vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear Capital One I am writing regarding my account, which was recently closed. I believed I had paid the account in full, but I noticed a missed payment has been reported on my credit report as of today. Ive since paid the account balance and respectfully request that you consider updating the account status to " Paid as Agreed '' as a gesture of good faith. I have always aimed to maintain a positve payment history, and any adjustment you could make would be greatly appreciated. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> I received an automated email from USAA saying my contact information had successfully been changed. Since I did not make any changes I immediately logged into my account and realized both my mailing address and email address had been changed. I also noticed that I had been approved for a new credit card that I did not request. I immediately called USAA to report that fraud had occurred and my account information had been changed and a credit card opened without my consent. I was told they would refer my incident to the fraud department and not to cancel the credit card as that would occur during the fraud review. That same day I placed fraud alerts with the credit bureaus. From XX/XX/XXXX until XX/XX/year> I had no contact from USAA on the credit card account. Neither emails nor mail regarding the credit card were sent to me. On XX/XX/XXXX, I received an automated message stating my account was past due. I immediately called USAA to understand what happened. I was told the fraud department had concluded that no fraud occurred and my account remained open. The past due charges were related to an unpaid annual fee. USAA also confirmed they had never mailed me the credit card nor sent any email or mailed statements to me, so I would have had no way of knowing the account was still open. They also let me know that I am not able to speak with the fraud department and my only option would be to request another review through the fraud department. I was also advised to not pay the past due fee because that would signal that I took ownership of the credit card. In a 90 minute conversation I which I expressed grave concern that this past due account would be reported to the credit agencies and cause significant negative impact on my credit score, I was still given no options to resolve this opened account. Not only that, but I was told no one would reach out to me to let me know the outcome of the fraud review and it was my responsibility to continually call USAA until a determination was made by the fraud department and I would be told when I called. I learned on XX/XX/XXXX that my past due account was reported the credit bureaus and my FICO score dropped XXXX points.

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 2024-10-26 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: GA

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 2024-10-26 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: WI

Complaint narrative:
I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and XXXX  stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.

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 2024-10-26 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: WI

Complaint narrative:
I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress  as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.

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 2024-10-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: NE

Complaint narrative:
I have a prepaid card through USBank and have contacted them numerous times about closing the account, but it is still open. I do not want to be charged anymore fees and the balance is {$0.00}. Every time I call it is a nightmare dealing with the company about ANYTHING! You never get a straight answer. So annoying and frustrating, not to mention a waist of time.

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 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was previously a victim of ID Theft and upon periodically viewing my credit report I noticed bankruptcies being reported in my public records. I contacted the bankruptcy court and was informed that after their investigation, it found be fraudulent and was removed from their records. I am enclosing a correspondence from them stated that. 


-case # XXXX disposition date : XX/XX/XXXX -case # XXXX disposition date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Aqua Finance, Inc.
State: VA

Complaint narrative:
I am writing in reference to recent conversation with the company on XX/XX/XXXX. According to our calculations, there is a significant discrepancy in the amount of money we owe. I was told over the phone of a {$2.00} a day fee I knew nothing about. I never would have agreed to those terms. I have repeatedly requested a copy of the contract that outlines the terms and conditions of our agreement. To date, they have failed to provide any such documentation. 

In order for me to fulfill any payment obligation, a legally binding agreement must exist, clearly detailing the services to be rendered, the agreed-upon terms, and the associated costs. Without a copy of the signed contract, I have no basis to verify the legitimacy of their claim or assess whether the services provided align with the agreed terms. 

I believe this to be a predatory company who is taking advantage of consumers. They have continued to attempt to withdrawal from my bank despite the fact that I asked them not to. until this issue was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, someone fraudulently tried to open accounts at 4 different financial institutions using my stolen identity. I found out about this when one of the institutions, XXXX XXXX XXXX XXXX, sent me a notice of adverse action dated XX/XX/XXXX. I froze my credit with all 3 bureaus as well as with ChexSystems and requested my reports from each bureau. My ChexSystems report showed the XXXX XXXX XXXX XXXX XXXX as well as 3 others from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

I contacted all 4 financial institutions to report the attempts to open accounts in my name as fraudulent. All 4 assured me no account had been opened. 

I submitted a police report with my local law enforcement agency, the XXXX Police Department ( XXXX ), on XXXX. XXXX has a self-submission tool for these reports, after which a copy of the case report is sent to the submitter. I have included a copy of the report as an attachment to this complaint. 

I then disputed the 4 inquiries with ChexSystems on XX/XX/XXXX, as they are the result of fraudulent activity related to identity theft. I uploaded a copy of the police report as part of that dispute. 

ChexSystems sent me a communication on XX/XX/XXXX stating that my police report would not be considered a valid document because it was not signed by a law enforcement officer. Note that my local law enforcement agency, XXXX, does not sign these self-submitted reports. 

ChexSystems sent me another communication on XX/XX/XXXX stating that they had completed the investigation of the inquiry with XXXX XXXX XXXX XXXX XXXX XXXX, and had not removed that inquiry from my report. They noted that " In order for ChexSystems to pursue a claim of identity theft, in accordance with the FCRA, please provide the following documentation that clearly supports your claim of identity theft or fraud related to the disputed information : an identity theft report signed by a law enforcement officer, or a police report filed with a law enforcement agency ''. I had provided a police report filed with a law enforcement agency - that's what they rejected in the XX/XX/XXXX communication. Note that there is no mention of the latter requiring a signature.

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 2024-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My identity was stolen recently. By reviewing my credit reports, I noticed there were credit inquiries from PNC bank ; I called PNC bank on XX/XX/year> to report the possible fraud activities. PNC bank confirmed that someone opened accounts in my name but unable to provide details information. I was given a case # XXXX and was told PNC bank will get in touch with me. But I have not heard back from PNC bank since then. 

By reviewing the consumer report from XXXX XXXX XXXX, I found the following accounts opened without my consent : Bank Name : PNC NEW JERSEY Bank Routing # : XXXX Account # : XXXX Bank Name : PNC NEW JERSEY Bank Routing # : XXXX Account # : XXXX Bank Name : PNC NEW JERSEY Bank Routing # : XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I purchased a fixed rate CD in XX/XX/year> from PNC Bank in XXXX XXXX. Florida. The CD was for 7 months at an annual rate of 4.97 %. I was to.d if I did nothing at maturity it would renew automatically. I was NOT told that the interest rate would NOT be the same. I allowed the CD to roll over. At the second maturity period, received a statement that showed an interest rate of .03 % for the CD. The CD was for {$100000.00}. I was in total shock as I was not told initially that this would be the case, nor did the maturity statement give me a new interest rate. 

I called the bank when I received the maturity statement showing that I made {$8.00} for 6 months on my {$100000.00} CD. I was furious. The bank employee told me that I was required to come to the bank in person and request the new CD rate PRIOR to the maturity date. Again this was pertinent information that was not shared personally or writing ( maturity statement ). I found this practice to be not only misleading, but also fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUSSRQ Holdings, LLC
State: VA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

account # 46 original creditor XXXX Moreover, your compliance with the XXXX XXXX format and FCRA guidelines appears to be nothing more than an empty promise. My rights to have my credit report reflect nothing but accuracy have been recklessly disregarded. I am protected by 15 U.S.C. 1681, and yet, this safeguard has crumbled under the weight of your errors. 
Let me be clear : I am demanding an immediate and thorough investigation into these accounts. Correct the inaccuracies on my credit report, remove the false information, and provide me with written confirmation that you have done so. I will accept no less than full compliance with the law, and I remind you that the FCRA mandates a timely resolution. Should you fail to uphold your responsibilities

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX ) XXXX Subject : Request for Removal of Closed, Paid-Off Account from Credit Report Dear Capital One Credit Department , I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX * Last 4 Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX * Account Closed : XX/XX/XXXX, XX/XX/XXXXXXXX  Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I keep receiving notification from radius global solutions regarding an old XXXX XXXX XXXX account with incorrect amount dues. The amount requested is {$2300.00} for account number XXXX which is incorrect. According, to 15 US Code 1692c ( c ) " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication ''.

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