vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My credit has been frozen for around XXXX years with all XXXX  bureaus. On XX/XX/year> I was notified that a student loan had been opened utilizing my information. This loan was not for me. They had not done an inquiry on my credit. I disputed the loan with the school that opened it ( XXXX XXXX  ) and XXXX XXXX XXXX ( XXXX ). I filed a police report. I filed with the IRS and SSA, I placed a security fraud notification on my frozen credit files. In early XX/XX/year> I received a notification from XXXX that I had been included in a breach that matched the timeframe that this identity theft activity had begun. That same day, the XXXX loan posted to my credit report. I disputed it with Experian and followed up with XXXX, who asserted that they had closed the loan, there was a XXXX balance due, and that it would drop off my report. Then I received a letter from them stating that it would remain on my credit report as part of an FCRA decision, and Experian closed the dispute based on the FCRA decision, leaving it on my report. I have re-disputed, but the decision to leave it was based on " demographic match ''. Of course it matched. It was identity theft. They used MY identity to open it, so it really should match, right? I'm trying to recover from this as well as other recent credit card transactions that aren't mine, etc., and I would really like this to be removed from my credit report, as the parties involved have all agreed it was identity theft.

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 2024-11-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
XXXX  : I purchased a phone through XXXX about XXXX years ago from XXXX and got the additional insurance on the phone. I traveled to XXXX and got robbed. I went to the XXXX store in XXXX, XXXX to get a new phone and instead of giving me a new phone, I had to pay FULL purchase price on the phone and NEVER had my claim processed by XXXX. XXXX refused to pay my claim and XXXX never helped me. They just kept taking money from me. I have never missed a payment or even had a late payment on anything, you can check my credit. I promise, swear, or whatever. This debt isn't mine and it anythingXXXX XXXX and XXXX  owe me a new phone. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: MS

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have been taking care of my mother 's finances for over 2 years now. As directed by her attorney we opened a high interest savings account at Capital One together as joint owners. The attorney had advised doing this in case of my mother 's passing I would still be able to direct the financial affairs and work her estate. 

My mother passed away XX/XX/year>. I am working on her closing financial matters and wanted to transfer some funds to checking to pay her bills and other financial matters. I did a transfer and was notified after the transfer ( pending ) that it was cancelled and her account restricted ( locked ). 

I called Capital One on XX/XX/year>, and after about XXXX minutes put on constant hold and directed to four different people that even though I am a joint account holder they would not remove the lock. I had to open a case file in which someone would reach out to get proof of death. No one has reached out. I also filed a complaint, and no one has reached out. They refused to let me talk to management. 

They are putting undue stress on me and the family especially when it is tough enough to deal with the death. As a joint owner we should not be going through this hassle! 

We are now scrambling to get funds available to help close my mother 's final obligations. According to the attorney we should have been all set with the planning done in advance ( advance health care directive, will, POA, joint account ownership ). Capital One feels otherwise and is purposely putting undue stress on the family at the time of her death.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
UNKNOWN INQUIRY HUNTINGTON N XX/XX/year> XXXX *FRAUDULENT CREDIT INQUIRY* DISPUTE FORM ATTACHED/SIGNED AFFIDAVIT OF FRAUDULENT REPORTING CERTIFICATE OF FCRA FINE FAIR CREDIT REPORTING ACT VIOLATION DIRECT DEPOSIT FORM ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Brett M. Borland, P.C.
State: AR

Complaint narrative:
Company called my close friends phone after normal hours to discuss an unknown debt. 

I also never received written notification about the debt in the mail proving that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been disputing the same items with this agency but they are not complying with the FCRA

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 2024-11-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I reported the inaccurate information to the company in question. They mailed me a letter instructing me to complete this form.

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 2024-11-02 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had a fraudulent account on my credit report. Please remove this account from my credit report, it is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

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 2024-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: OR

Complaint narrative:
I bank with XXXX XXXX XXXX XXXX in Oregon, the closest XXXX to me is over 40 minutes away, so I went to the local US Bank in XXXX, Oregon to make a withdrawal. ( On XX/XX/XXXX ) The US Bank teller did not think she would be able to make a withdrawal from my XXXX account, but she made an attempt, and said it will work after all. 
As she is finalizing the transaction, she was having a hard time reading my debit card number, after looking for a while, she decided the number was illegible because my card has some wear around the debit card number. She made the decision to cancel the transaction. 

As I attempt to make a withdrawal at another bank, I was declined because I now have a pending charge of {$1700.00} from US bank in XXXX, leaving me with lower available balance. 
I went back to the US bank branch, and the teller said that she reversed the charge, this was after they closed at XXXX on XX/XX/XXXX. 
On XXXX at XXXX, the pending charge is still on my account, holding {$1700.00} from my available balance. 
On XXXX I called the US Bank customer service phone number and they said they are unable to do anything, and that I have to wait 3-5 days for the transaction to clear. 

I find this to be extremely unreasonable that a bank can withhold {$1700.00} from my bank account, simply because they were in the process of withdrawing money for me, but then decided not to. I know my {$1700.00} is in the possession of US Bank, where I am certain that money is added to their net balance, and is likely making US bank a return in the market. 
I trade in the market myself, where money can be multiplied by 10x in a day in some cases when trading derivatives.. so in my eyes, I am potentially out of a lot more money than {$1700.00}. 
This is an inconvenience that US bank should be compensating me for. 
I thank you in advance for any help provided with this dispute.

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 2024-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
in XXXX I recently from XXXX to XXXX I have recently seen and automobile on my Credit Karma. I have seen a personal loan for school on my Credit Karma. Also I have seen a purchase from mattress firm that I have never Used before on my Credit Karma and as well I have seen mortgage from my house that I have no idea Ive never had mortgage. I dont know anything about mortgage. Ive never had a house on my own. I havent had a car in probably XXXX years so I dont know how this is happening Ive tried to reach out to Credit Karma many times. They have not taken anything off of my credit so it was fraud. I ended up freezing my account because of the situation and it still hasnt been taken off. It went into investigation twice the investigation went through, but they did nothing about taking anything off of my credit so someone clearly used my Social Security number or whatever it was on these behalfs.

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 2024-11-02 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:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

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 2024-11-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Ive disputed these same items with this agency before but they are not complying with the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: IL

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

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 2024-11-02 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: IL

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

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 2024-11-02 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:
Ive disputed these same items with this agency before but they are not complying with the FCRA

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 2024-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Spirit Airlines keeps sending me letters saying I am denied for their credit card. These inquires are not mine. I called and wrote asking for them to stop listing me as an inquiry for their credit card. I also asked for the application for evidence.

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 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX Separate fraudulent charges to XXXX XXXX XXXX made using correct phone number and shipping address, but invalid email addresses ( different, incrementing email addresses on each purchase ). The items were delivered to our house, then immediately stolen from our door upon delivery. I filed a police report and the detective suggested that this is a common scam lately, and to file a claim with the credit card company, which I've done on XX/XX/year>, providing them with the police report number. 

Citi responded with letters showing the transaction details and claiming that the charges were valid based on History of purchases with the vendor ( we've never purchased from this vendor ), valid IP address ( charges were made via mobile phone in our same city ), and valid phone number and address ( information available publicly or commonly leaked along with credit card info ). 

I then responded in writing, again providing the police report number and detective 's name, pointing out the incrementing, different email addresses, and that this was a common scam. 

I have received no further communications from Citi except seeing in their online portal that the credits were reversed with no fraud credit being issued. I contacted them by phone on XX/XX/year>, XX/XX/year>, XXXX, and XX/XX/year> to inquire about the status, and each time have been told that these are still being investigated with no further information being provided to me. I've requested these be escalated, to speak with a supervisor, etc. and have gotten XXXX response other than that these are being investigated. Currently in their online portal, 2 of the disputes show as resolved with no credit issued and one shows that a security credit has been issued even though the representative has told me that all XXXX are still under investigation. 

These charges are absolutely fraudulent, and we've offered to provide doorbell camera footage to the police. 

Charge dates and amounts : XX/XX/year> - {$450.00} XX/XX/year> - {$450.00} XX/XX/year> - {$450.00} XXXX, TX Police Report Number : XXXX I have attached my 3 separate dispute responses back to Citi which contain the police report number, and my notation about the invalid, incrementing email addresses ( both of which seem to have been ignored ).

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 2024-11-02 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: NC

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

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 2024-11-02 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: NC

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

Company response to consumer: Closed with explanation