vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX bill XXXX XXXX sent full account to Experian XXXX refused do boosts on credit XXXX faked addresses and more does not listen written documentation or by phone sending tons redo this or type this not your ideas and your idiotic perspective on my credit data. Tons of it. Even sent full list employment with dates addresses nonstop. Department of education loved deleted all credits data schools and dictated what they think opinion of colleges. Not facts, received XXXX fraud transcripts then dictated colleges are inefficient to all and incompetent to all. XXXX XXXX XXXX, XXXX Iowa XXXX Iowa, Iowa XXXX XXXX so much more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I received an offer in the mail for and XXXX XXXX XXXX. I applied online with the promo code and was offered a card through Bank of America. On the same day that I got the card in the mail I also got a " suspicious activity '' letter in the mail that I found out later was just an intentionally misleading letter used to get me to call in and answer a series of security questions that were supposedly meant to confirm my identity. When I became suspicious that this could be a phishing scam I started to ask a lot of questions. They did nothing to ease my discomfort and ultimately urged me to go into a Bank of America branch to get help. After doing some research I called them back and attempted answer their questions so I could get the hold cleared so that I could use that card. After answering ALL of the questions ( which included both personal information as well as a series of " public record '' questions ) I was told I had to go to a branch to provide 2 forms of ID again! THERE ARE NO BANK OF AMERICA BRANCHES IN XXXX! They knew this fact but they would not work with me at all. I felt like I was being treated like a suspicious criminal the entire time and was never able to get the card activated. So here I am... I am basically in limbo with this card.. waiting until they close the account which is going to negatively impact my credit score. I have been working to build my credit score for 8 YEARS and this has got me extremely angry and frustrated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
First, I was approved for this card that at the time I didnt even have a job ( Covid ) and did not have the credit or even really the means to pay, so I should of NEVER been approved. 
Then, I was charged a higher amount by the provider of service than what someone paying cash or regular card would be ( to cover their fees for using care credit- my understanding is that this goes against the contract ) I was also not allowed to choose the promotion, but was told the promotion would be no interest if paid in the period of time- my monthly payments were set and paid, but not set ( by care credit ) to pay the full amount off in the promotional period ( VERY MISLEADING )- I was then charged almost DOUBLE the initial transaction in interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I called Bank of America to have them place a temporary hold on my account so a creditor could not debit money from my bank account. First I talked with XXXX ( XXXX ) who transferred me to the Fraud Department. I spoke with XXXX, who said that BoA does not do temporary holds. I explained to her that XXXX does it ( I know other banks also do this ). She said she worked at BoA and knows a lot about its procedures. She said she can place a " balance hold '' on the account so any attempt to debit the account would result in an XXXX. I told her I don't want to be charged a XXXX  fee by the creditor and the bank, she was not empathetic or understanding. So I asked for a supervisor and she placed me on hold for longer than 5 minutes, so I hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
How can Equifax say this " We have received your request. However, we are unable to locate a credit file for you for one of the following reasons : You have not applied for credit recently You have not actively used your credit in the last ten years, or You have not lived in the United States or have not been issued a United States Social Security number '' I have a credit score for Equifax! There are fraudulent inquiries reporting on Equifax. They should remove them immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One has closed my 2 credit card accounts due to a payment being returned. This payment was returned because only because I made a payment of {$200.00} weeks prior which didn't reflected in my available balance yet it was withdrawn from my bank account and shown as posted, this was for almost an entire month these funds were withheld and they refused to give me a reason even though they let me make payments in the meantime, one of which was returned. 

I called on XX/XX/XXXX at XXXX CST and spoke with a fraud specialist manager who told me that if I made a payment of {$110.00} within 10 days and then called 5 business days after the payment that they would reopen my accounts. I did just that, I made a payment of {$120.00} within the 10 days and called today XX/XX/XXXX to have the accounts reopened and they told me I didn't meet their criteria to reopen the accounts. I mentioned that I spoke with a women and that she took notes and in addition there's a recorded call, but yet the gentlemen I spoke with today said he saw that I called on XX/XX/XXXX but that there was no notes and said that I didn't speak with a manager. I said I did and that if they listen to the recording they can hear exactly what I was told. He indicated that they don't have access to the recordings, which is a lie because after a few minutes of back and forth he said the recordings are kept with quality control. Fine, but then he refused further steps of finding said recording and said I could try calling back. 

This is outrageous. The fraud specialist even said it's possible someone was posing as a manger to get me off the call. The recording exist. This is the 3rd time I've called Capital One with issues, mostly being about not updating my available credit after I make payments. When the payments don't reflect it looks to me like I didn't make it and so I make another payment not knowing it's coming out of my bank account twice and causing the payment to be returned due to insufficient funds. This is the fault of Capital One 's system and due to there refusal to assist me further I feel this is in retaliation or a way to discriminate me based on my age, gender and XXXX  and I will be making this a very public nuisance if Capital One doesn't resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX have violated my rights.

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: January Technologies, Inc
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: SD

Complaint narrative:
So the picture below will show that XXXX tried to collect on the account after they had closed the account and written it off. Also after I sent them a cease and desist letter they they sold it to the new creditor. How can they collect on a closed account that they sold isnt that fraudulent for double collecting especially an account they no longer own. So the XXXX account was closed XXXX of XXXX and they tried to collect payment on XX/XX/2022. They sold it XXXX XXXX years after the account was closed. After I had sent them a cease and desist letter on XX/XX/2022. Not only that but the origial loan was for XXXX dollars and I am trying to be collected for almost XXXX that is completely incorrect. The original owner of the account did not honor their warranty either on this mattress that I had purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX took over my loan from XXXX and reported late payments when the payments was sent to XXXX. they then charged off my accout as bad debt which has negatively impacted my score. i need the accout deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax reinserted delinquent ( fraudulent ) payment history XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX without notifying me or giving me notice. 

Furthermore, Equiifax being the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted on your account and provide contact information for the company that furnished the information. 


I have attached screenshots of XXXX account to indicate there were no delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Between XX/XX/XXXX and XX/XX/2023 I withdrew money from my XXXX account to huntington in increments of XXXX - XXXX in order to take advantage of a promotion huntington offered. The total amount transferred was XXXX. I was on vacation XX/XX/2023 in XXXX and tried to sign in to my huntington account online and was unable to so I contacted customer service. They said they would put a ticket in to have this fixed by the next day. then the next day it still didn't work so I called and discovered they closed my account without reason. They said I had to go to the bank in person or wait and they will send a check to my address. I had to wait until my vacation in XXXX was over to go to the bank. Just this Monday when I went they told me they sent out a check so they were unable to give me my money. I called customer service and they told me they didn't send my check and my account was under investigation and I could not get my money back. I asked when the investigation will be over and they gave me no time and said they didn't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I previously filed a complaint about inaccurate credit report on my XXXX report. The account should show included in bankruptcy and balance should be XXXX. Thats not how its reported on report. XXXX XXXX and XXXX has it correct. Please fix or I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Saddleback Acceptance Corporation
State: CA

Complaint narrative:
I did not give written permission to have this account furnished on my records as per USC 1681a2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or else wise indubitable in or of its validity unequivocally as disclosed, as indicated!

I have been looking over my Credit file and discovered several inaccurate accounts from on credit profile. I have requested validation from the accounts listed below 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

Please delete the following unverified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief