vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: Mobiloans, LLC
State: TX

Complaint narrative:
The adverse rating on my account is a source of considerable alarm. I'm gravely concerned about its detrimental effects on my credit standing. This negative mark has already led to the rejection of a recent loan application and escalated interest rates on my current credit accounts. The financial hardship and emotional toll this unfavorable rating has inflicted, and will continue to impose until resolved, can not be overstated.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ive had my quicksilver one credit card with Capital one for approximately XXXX yrs. Ive never been late with any payments to date. According to my XXXX, XXXX and XXXX credit reports as of XX/XX/XXXX, Capital one has reported that I have XXXX late payment dating back to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: IL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated : XXXX XXXX XXXX XXXX. The inaccuracies are highly injurious to my credit score. 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. Please send me an updated copy of my credit report after your re-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 2024-07-15 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and this is not a third party I am filing this complaint myself. Attached you will find several Fraudulent & Inaccurate accounts being reported on my consumer report. I am disputing the accuracy of those mentioned accounts as well as the Incompleteness of the rest. And the other accounts are Fraudulent. Please see 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 2024-07-15 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and this is not a third party I am filing this complaint myself. Attached you will find several Fraudulent & Inaccurate accounts being reported on my consumer report. I am disputing the accuracy of those mentioned accounts as well as the Incompleteness of the rest. And the other accounts are Fraudulent. Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-15 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:
Please help me, I have attached supporting documents

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 2024-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: NC

Complaint narrative:
I have XXXX XXXX accounts with Optum financial. The first was through XXXX HR/payroll management company on behalf of my employer. My company changed payroll providers to company XXXX, resulting in me receiving a XXXX XXXX XXXX account. I wanted to invest the excess funds in my XXXX XX/XX/XXXXas I had been doing in my XXXX XX/XX/XXXX. I attempted to do this in XXXX, but the XXXX website said that my XXXX XXXX was not eligible for investments. No one at company XXXX or XXXX has been able to explain to me why this is the case ; both parties say that there is no reason the account should not be eligible. As a result, I am unable to take advantage of XXXX of the primary benefits of the XXXX structure. 

On approximately XX/XX/XXXX, I contacted XXXX support and was told they would look into the matter. I was given a reference number : XXXX. After about 10 days, I contacted them again on XX/XX/XXXX asking for an update. I was told that I needed to liquidate all investment funds in the first XXXX and close my XXXX account, as I could only be enrolled in XXXX investment account. The reference number was XXXX. I asked for clarification on what a XXXX account was and received no explanation, only a contradictory statement saying that " As long as there are available funds to invest to then you can invest your XXXX funds to them. '' The reference for this statement is XXXX. 

Despite the lack of clarity in these instructions, I liquidated all investments in my old account, moving them back to the savings portion of the XXXX. This did not resolve the issue and on XX/XX/XXXX, I asked again for their help in determining why. They told me to wait XXXX business days. Reference XXXX. 

On XX/XX/XXXX, I requested an update and was told to wait XXXX business days. XXXX. 

On XX/XX/XXXX, I called the assistance number provided in the emails, and when I spoke with a representative and explained the situation again, they stated that the problem was on their end but provided no additional information. When I requested a status update on the previous reference numbers, they stated that there was no report of/about those reference numbers. Based on that information, I am not confident that anyone will work on resolving this without outside pressure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-15 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: FL

Complaint narrative:
Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX Social Security XXXX XXXX REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. 
Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX11-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( " FCRA '' ) Account Name : XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX XXXX XXXX XXXX Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXXXXXX XXXX  Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX  XXXX XXXX Date Filed : XXXX XXXX, XXXX Reason : Unverified Account Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX XXXX XXXX XXXX Date Filed : Inquiry : XX/XX/XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX : unverified account Account Name : XXXX XXXX XXXX Date Filed : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : unverified account Account Name : XXXX XXXX Date Filed : Inquiry : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX Date Filed : Inquiry : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX XXXX XXXXXXXX Date Filed : Inquiry : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX Date Filed : Inquiry : XX/XX/XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX XXXX Filed : XXXX : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX. 
XXXX, GA XXXX ( XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Date Filed : XXXX : XXXX. XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Reason : unverified 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX Social Security XXXX XXXX REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. 
Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( " FCRA '' ) Account Name : XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX  XXXX XXXX Date Filed : XXXX XXXX, XXXX Reason : Unverified Account Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX XXXX XXXX XXXX Date Filed : Inquiry : XX/XX/XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX : unverified account Account Name : XXXX XXXX XXXX Date Filed : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : unverified account Account Name : XXXX XXXX Date Filed : Inquiry : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX Date Filed : Inquiry : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : Capital XXXX Auto finance Date Filed : Inquiry : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX Date Filed : Inquiry : XX/XX/XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX XXXX Filed : XXXX : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX. 
XXXX, GA XXXX ( XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Date Filed : XXXX : XXXX. XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Reason : unverified account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have an unresolved problem with my bill pay. It involves a payment that was sent twice, an overdraft, and a couple of letters from a company called XXXX. Here are the events in date order : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Credit-Returned XXXX # XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Credit-Returned XXXX # XXXX XXXX XX/XX/XXXX Letter from XXXX stating I owe them XXXX - Received XX/XX/XXXX XX/XX/XXXX Letter from XXXX stating my person pay service has been suspended -Received XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( this was never done- see comments below ) XX/XX/XXXX Received call from XXXX, they received a XXXX  check ( dated XX/XX/XXXX ) from my bank. My bill was already paid. XXXX mailed me back the XXXX  check. 
XX/XX/XXXX Called customer service multiple times and was told I owe nothing. No one will provide a letter state my balance with XXXX is XXXX. 
XX/XX/XXXX Went to branch and made formal complaint. Stopped payment on XXXX  check # XXXX XX/XX/XXXX Received letter from XXXX XXXX once again trying to explain what happened but not stating I owe nothing. 
XX/XX/XXXX Called XXXX XXXX who AGAIN wanted to tell me what happened, but I just need evidence that I owe XXXX nothing. I finally agreed to call XXXX with her and as I suspected it was a disastrous call. The person we reached could not help us at all. 

I need to be clear here, I do NOT care what happened. I do NOT do business with XXXX, I do business with Region 's bank. In fact, the letters I received from XXXX do not even mention Regions bank. This acutally could have been a scam. 

After all this, I have a letter stating that I owe XXXX {$400.00}, and someone did, IN FACT, mail XXXX checks to XXXX while only debiting my account once. It appears that SOMEONE owes XXXX {$400.00} and it is NOT me. So, I MUST have a letter or statement showing in no uncertain terms that I owe XXXX and Regions Bank Nothing for this payment to 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 2024-07-15 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX is willfully disregarding federal laws by not complying with the FCRA, which establishes boundaries, rules, and regulations. They have assumed the authority to collect and report information about me without obtaining my written or verbal consent. XXXX did not met simple points of XXXX XXXX compliance or simple rules of the FCRA. 15 U.S.C. 1681i mandates specific procedures for consumer reporting agencies to follow when a consumer disputes the accuracy or completeness of information in their credit report. XXXX failed to provide an exhaustive itemized timeline breakdown of their alleged investigation and reinvestigations. Which leads me to believe they simply used e-oscar automated systems and failed to make contact with anyone because they wouldve clearly seen all of the discrepancies. 15 U.S.C. 1681e ( b ) - Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Its impossible to ensure maximum possible accuracy when basic data fields are missing. Recent payment, Monthly payment, Original balance, Highest balance are missing along with random ND ( no data ) remarks in between months that have data, very noticeable inconsistent contradictory payment histories. Thats automatically a contradiction. Please update the information for these basic data fields or remove these accounts from my consumer report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I looked at my credit report in XX/XX/2024 and Saw that there were A few accounts that I did not recognize because they were not mine. These accounts violated my rights To privacy And I want them off my credit report immediately. The first account is XXXX XXXX for {$21000.00} and XXXX  for {$18000.00} four times they have put this accounts on my credit report an I want it off my report. Also all the inquirys I did not authorized anyone to do as well.

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 2024-07-15 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: TX

Complaint narrative:
My persistent efforts to correct the fraudulent, erroneous, and misleading information on my consumer report have been unsuccessful. These false entries have significantly disrupted my life, leading to substantial stress and anxiety. As a victim of identity theft, I must emphasize that I never gave permission for this information to be linked to my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: CA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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