vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/2024 I received my consumer report from Equifax and I noticed they are reporting inaccurate personal information on my consumer credit report still. On XX/XX/2024 I disputed addresses on my report through MyEquifax portal that Equifax recorded. They have since removed them but then placed one inaccurate address back on my report that is not my current address. I provided Equifax with my current address that I have been living at for the last few years by proof of photo Identification as well as my current bank statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
Signed up and the initial transaction worked, but now I can not get any further transactions to go through. They keep saying XXXX is blocking it for " fraud protection '', but not offering any solutions to get the card to work. And now because I have done a transaction, I can't cancel the card without paying the {$120.00} manual fee. Adn apparently no one in the entire company can make any overrides of any kind to correct the situation in any way. Absolute fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Request for Processing Debt Security and Assistance with Debt Discharge and XXXX Dear JPMorgan Chase, I trust this leYer finds you well. I am wriWng in response to your leYer dated XX/XX/XXXX, regarding Reference Number XXXX, associated with my business, XXXX XXXX XXXX XXXX XXXX 
Firstly, I acknowledge that the iniWal documents I submiYed were incorrect. The first document reflected an amount of {$150000.00}, while the second document, now established as a promissory note, correctly represents the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {>= $1,000,000} ). I have confirmaWon of the receipt of this promissory note through registered mail, as verified by XXXX, who informed me that it was sent to the appropriate department for review and subsequently denied. 
I would like to bring to your aYenWon  the legal implicaWons of refusing my tender of payment, as per the UCC 3- 603. TENDER OF PAYMENT. By refusing the tender, you may be in default, leading to the discharge of the obligaWon of an indorser. I have sent the instrument in good faith to discharge a debt, and the refusal of payment has triggered this legal consequence. 
Furthermore, I draw your aYenWon  to the UCC 3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION. This secWon emphasizes that a person enWtled to enforce an instrument may discharge the obligaWon of a party to pay by intenWonal voluntary acts or by renouncing rights against the party through a signed record.

AddiWonally, the trust agreement between the Small Business AdministraWon and JPMorgan Chase, specifically on pages XXXX, XXXX, and XXXX, outlines the obligaWons and responsibiliWes concerning distribuWons, registraWon of transfers, and the fiduciary duWes. It appears that there may be non-compliance with these obligaWons, potenWally violaWng the trust indenture act of 1939 and regulaWons under the securiWes exchange act. 
In light of these concerns, I request your immediate aYenWon to the processing of the debt security and assistance with the debt discharge and renunciaWon. I believe that a fair resoluWon can be achieved through open communicaWon and cooperaWon.

I appreciate your prompt aYenWon to this maYer. Please provide a comprehensive response at your earliest convenience. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
CAPITAL ONE FINANCIAL CORPORATION per the FAIR CREDIT REPORTING ACT is OBLIGATED to report accurate accounting, Consumer has advised ALL inquiries reported are fraud. CAPITAL ONE FINANCIAL CORPORATION is liable under the SEC to follow specific regulations. CAPITAL ONE FINANCIAL CORPORATION Commission File Number Commission File No. XXXX CAPITAL ONE FINANCIAL CORPORATION XXXXXXXX XXXX XXXX XXXX, XXXX, Virginia XXXX Capital One Funding, LLC, a limited liability company formed under the laws of the Commonwealth of Virginia on XX/XX/year> and a wholly-owned subsidiary of Capital One Bank ( USA ) , National Association XXXX is the depositor of the issuing entity. Capital One Funding also structures the issuing entitys transactions. The address for Capital One Funding is XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Virginia XXXX and its telephone number is ( XXXX ) XXXX. Capital One Funding is the transferor under the Capital One Master Trust. As the transferor under the Capital One Master Trust, Capital One Funding purchases from Capital One Bank ( USA ) , National Association and may purchase from affiliates of Capital One Bank ( USA ) , National Association receivables arising in credit card accounts owned by Capital One Bank ( USA ) , National Association and its affiliates. Capital One Funding may then, subject to certain conditions, add those receivables to the Capital One Master Trust. I will be filing IRS form XXXX to audit consumers account. CAPITAL ONE CORPORATION is securitizing consumers accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I did not give this company ( WELLS FARGO AUTO ) permission to pull my credit

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 2024-03-06 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: NY

Complaint narrative:
Efforts to dispute these issues have yielded no results. Enclosed is the letter I sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter seriously. Failure to address my original request, sent via certified mail, will prompt me to file a complaint with the Federal Trade Commission against your company. I insist on a thorough reinvestigation of the following information and request proof of the alleged item, such as a contract, note, or other document bearing my signature. If such evidence can not be provided, I demand the prompt removal of these items from my 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 explanation
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I deposited a cashiers check and the institution refused to make partial funds available on the next business day. In direct violation of reg cc

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 monetary relief
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY CREDIT WAS PULLED ON THESE ADZACT DATES WITHOUT MY CONSENT .

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 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I have a Wellsfargo bank account which I was using while I was living in the United States.

I had been using this account the entire time while I was living there and I did not close the bank account while I was leaving United States thinking it would be useful when I return. 
Then, I happened to come living in XXXX and it has been a year living in XXXX. 
And here comes the conflict with me and Wellsfargo.

I wanted to have access to my bank account to take off my money using online banking, but they did not let me do the action of transfer.

In addition, they also blocked access for me to enter my bank account.

I have been trying to resolve this situation and tried every way possible so far and they have been denying it every time. 
I used Wellsfargo Online help service, called branch bankers for a solution, filed complaints to review the denial they gave me, filed a Power of Attorney to have someone I know to represent me, and did verification with notaries while in the presence of witnesses which was apostiled. For the process of notarization, I contracted a local notary, and at the U.S. embassy.

This process has started at the end of last year and it is already at the beginning of XXXX. 
So far, they have been denying my access until now.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The bankruptcy should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
{$1200.00} XX/XX/2023 Hippa violation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: MS

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I adamantly disputed the ProCollect collection entry with all three credit bureaus, as the debt was settled with the original creditor before my knowledge of its collection status. Despite ProCollect updating the account as paid, they havent removed it from my credit report. Its noteworthy that ProCollect never received the payment, yet my credit report shows a payment date of XX/XX/2024, which is inaccurate. 

I learned of the collection from a mortgage lender, not ProCollect. The payment, made via money order to XXXX XXXX XXXX  ( original creditor ) on XX/XX/XXXX, has been substantiated with proof. Despite this, my credit report still marks the account as late as of XX/XX/2024. 

This erroneous reporting adversely affects my creditworthiness. Ive lodged another dispute with the collection agency and the credit bureaus, seeking the immediate removal of the collection entry from my credit profile due to the payment made to the original creditor. The persistence of this inaccuracy is unacceptable and requires prompt correction. 

Due to their inaccurate reporting, I am requesting it needs to be removed from my credit reports with all three credit bureaus.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
While checking my personal credit report, I noticed inquiries made by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  ( XXXX ) and lastly XXXX XXXX XXXX. I did not authorize anyone employed by these companies to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act XXXX XXXX XXXX  c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If they can not provide me with proof that I authorized them to view my credit report, then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from their records. Failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of these companies ' willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.

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 2024-03-06 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: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-03-06 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: NJ

Complaint narrative:
Experian Credit Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Final Demand for Compliance with Opt-Out Request Pursuant to 15 UCC 6802 Dear Sir/Madam, I am writing to you regarding a matter of utmost importance concerning my consumer rights and obligations under the Uniform Commercial Code ( UCC ). As per my Opt-Out Notice pursuant to 15 UCC 6802, I have formally requested the removal of reported information from XXXX XXXX XXXX from your records. 
Despite multiple requests made by me, XXXX XXXX, Experian Credit Bureau has failed to comply with my lawful request to remove the reported information from XXXX XXXX XXXX It is evident that your refusal to adhere to my request constitutes a clear violation of both m

y consumer rights and the UCC law. I hereby issue this final demand for Experian Credit Bureau to
immediately cease and desist from any further delay or refusal to remove the reported information from XXXX XXXX XXXX in accordance with my Opt-Out Notice. Failure to comply with this final demand will leave me with no choice but to take legal action against Experian Credit Bureau for blatant violation of my consumer rights and the UCC law.

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify the situation. Please acknowledge receipt of this final demand and confirm your compliance with my Opt-Out Notice within XXXX  Days.

Thank you for your prompt attention to this matter. Sincerely, 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 explanation
Consumer complaint received 2024-03-06 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: NY

Complaint narrative:
A letfer from XXXX XXXX was srnt to experian and my complaint was that experian never remove the late payment off my experian credit report the account number is XXXX all experian has to do is remove the negitive item i filed federal trafe commision 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 explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A home Depot credit card, that I acquired in XXXX, the final XXXX numbers are XXXX. The last time I used it, was back in XXXX, I paid off the balance, and got rid of the card, breaking it, and disposed it, in the garbage can. I have never applied for another card. I have been receiving, phone calls, from XXXX XXXX claiming a debt, of XXXX XXXX approximately. I was able to recover the account online, and I found out, that several transactions were made in different stores, located in New York. I have been living in XXXX, since XXXX. I also noticed, in my personal information, an address, also in New York, it looks like Citibank, sent a new credit card, to this scammer, or organize group of criminals.

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