vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/2024. I received reports of new hard inquiries from XXXX credit bureaus and subsequently applied for a Capital One credit card without my authorization, I never authorized these and submitted my credit report and related evidence ( including a police report ) for investigation as requested by customer service, I requested that the hard inquiries be removed from my record but capital one denied my request. However, my credit report shows that a Capital One account was added to my name on XX/XX/25 and then removed on XXXX, ostensibly they somehow acknowledged the problem and acted, however, they did not indicate this in their response letter. Hard queries are never removed. There seems to be something offensive about this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address this issue promptly.

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address this issue promptly.

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 2024-03-11 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: NC

Complaint narrative:
Transunion refuses to abide by 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i! They are purposely leaving erroneous inquiries on my credit report and called me a liar. Its easy to tell someone else what youre not going to do when a bad credit file doesnt impact them- the burden of proof was on me, I sent the info and it needs to be deleted - NOW. 

Their duty to provide maximum- accurate credit reports and they seem to take pride doing the opposite.

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 2024-03-11 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: FL

Complaint narrative:
I

n accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy. And it also states under 15 USC 1681 section 604 a section 2 that a consumer reporitng agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor can not treat a payment on a credit card account under an open end consumer credit as late. They have violated my person 's rights and I intend to sue if they do not update and delete accounts in question.

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 2024-03-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy. And it also states under 15 USC 1681 section 604 a section 2 that a consumer reporitng agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor can not treat a payment on a credit card account under an open end consumer credit as late.

They have violated my person 's rights and I intend to sue if they do not update and delete accounts in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy. And it also states under 15 USC 1681 section 604 a section 2 that a consumer reporitng agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor can not treat a payment on a credit card account under an open end consumer credit as late.

They have violated my person 's rights and I intend to sue if they do not update and delete accounts in question.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have these accounts reporting on my XXXX XXXX TRANSUNION CONSUMER 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have these accounts reporting on my XXXX EQUIFAX XXXX CONSUMER REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently encountered a distressing issue with Citi 's fraud detection system and customer service. Despite initiating a wire transfer to my own account, Citi flagged it as fraud and locked my account. The customer service said the only way is to wait for a letter to arrive at home address and use the reference number on it. It first happened on XX/XX/XXXX, and it has been 13 days since this occurred, and I'm still awaiting a letter to unlock my account. 
Despite numerous calls to Citi 's representatives, I've been met with unhelpful responses, including one with a bad attitude. While one representative suggested using my verified number, I did call with my phone number put on the account only to discover the number that I used for 10 years, isn't registered as 'verified. ' Leaving me no way but to wait for the letter. 
My personal banker couldn't offer any alternative solutions, said when it comes to fraud department they have no power. 
This experience is not only frustrating but also absurd- it is ok to do fraud protection but forcing customers to endure lengthy delays ignoring urgent financial needs is not good. What is one is traveling outside from home? Does it mean they are not able to use their money? We are leaving in 2024 where remote work is a reality. Fraud detection is important but shouldnt be the excuse for putting no thought into the designing the process and hurt customers. 
I've filed multiple complaints, yet there has been no response or action from Citi, like Citi is ignoring complaints and just let customer have what they have.

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following account is not my account and I have no knowledge of this account or the primary company they say to be collecting on behalf of. I have called and tried to verify the debt by phone and mail and have gone more than 30 days without a response. Please have XXXX XXXX XXXX XXXX removed and permanently deleted as I have no knowledge or responsibility for 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 non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-03-11 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: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX My XXXX & Last name are as follows : XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX After reviewing my credit report, I have found an inaccurate addresse that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and belowbe removed immediately as they are not accurate and untrue. 

My First & Last name are as follows : XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Thank You

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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my 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 non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my 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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Bridgecrest XXXX XXXX has been negatively impacting my credit by reporting late and other inaccuracies. per 15 usc 1611/15 usc 60802 part b/ 15 usc 1692 f # 6

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 2024-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Upon reviewing my credit report, I noticed accounts listed that I did not give permission. The collection agency has not provided sufficient proof of ownership or authority to collect the debt. 15 USC 1681e ( b ) of the Fair Credit Reporting Act, states If I didnt give written consent its considered identity theft. I did not give any reporting agency permission to report this inaccurate, unverifiable information to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
this is not validating proof you requested for vertification of proof and i am sending you my ID. Your company has violated the FDCPA By furnishing deceptive froms and compiling information to make it as it is mine. your company is also violationg the FCRA you are reporting this account on my credit inaccurat and incomplete. 


your company is causing damage to my reputation emotional distress anxiety and defamation to my characted Please delete this account, XXXX AND XXXX do not reflect it on my credit only treansunion and i will seek legal help if this is not remvoed because it is still showing on my report. 

account name XXXX XXXX  account - # XXXX ID ATTACHED - ACCOUTN ATTACHED.

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 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a business checking account with Bank Of America for 18 years and was never late or never missed a payment. They sent me a letter saying they were going to close my account with 30 days notice. I tried to get an extension to give me time to get another bank account open and they said nothing they could do. They really pulled the rug out from under me as i had a XXXX last week that left me unable to leave my house for about 1 week and i explained that to them, but they didnt care.

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 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to demand the immediate deletion of the following fraudulent accounts from my credit report. Their continued presence reflects negligence on your part and violates consumer rights. Rectify this immediately to ensure compliance with the law and restore the accuracy of my credit report. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-03-12 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: NJ

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc.
State: VT

Complaint narrative:
I verified that there are some debts in my name and also a lot of credit research carried out by me, however it was not me who did the research and I also did not do the debts, I am XXXX and during this period I was in XXXX, so it would be impossible for me to have done so. So, I can prove that I was not in the United States when these things were done. This is really damaging my credit, as I was possibly the victim of some fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I'm writing to discuss a problem I found on my credit report. It says condition is either closed or unknown. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof. If you can't, I need you to delete the account according to the law. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.

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 2024-03-12 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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

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