vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
i can not gain access to my report. i can log in and see my account scores, however it will not allow me to see report. i need this access due to being a new XXXX XXXX XXXX. i have vendors that are checking my credit. plus equifax has charged me 5xs during the last 30 days and i can not see product. Equifax keeps trying to help me log on site.I DO NOT NEED HELP WITH LOGGING INTO ACCOUNT. i need help actually seeing my report. i have been a monthly member with equifax for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts 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. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX XXXX Equifax 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 this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please remove XXXX XXXX XXXX from all credit bureus. This was placed on my credit reports incorrectly. THE ACCOUNT DOES NOT BELONG TO ME.

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 2023-11-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
This is not my debt. Belongs to a family member

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 an account without my written instruction

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 2023-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
I entered into a consumer credit transaction with American Honda Finance Corporation on XX/XX/19. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, American Honda Finance Corporation took cash as shown in the attached documents. The finance charge also includes insurance, but i was made to purchase my own separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Solar Mosaic LLC
State: ID

Complaint narrative:
This is not my account, I did not authorize it and XXXX says they certify its mine after Mosaic closed it and sent confirmation it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX Last 4 SSN : XXXX To Whom It May Concern : I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate. 

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XX/XX/XXXX Please remove any other dates or years you have listed. 

Please REMOVE ALL EMPLOYERS that you have listed as they are inaccurate. 

Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Date of Birth : XX/XX/XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX Enclosed : Photo ID, Proof of XXXX, Proof of Address

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 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Date : XX/XX/XXXX - transferred XXXX out of checking to supposed to be for sons child support per decree Date : XXXX  - when I pulled up the person I always pay via XXXX- it populated online I sent the money Date : XX/XX/XXXX - 2 digits were incorrect on the phone - but it populated correct recipient name Date : XX/XX/XXXX - I am only human and made all honest effort to verify info before sending money Date : XX/XX/XXXX - XXXX was sent to XXXX XXXX ( someone I do not know ) Date : XX/XX/XXXX - I immediately called and spoke to a Cap one claim rep who opened a claim for me told me up to 10 days to process and happens all the time. He was in the Cap One XXXX XXXX call center. 

Date : XX/XX/XXXX - not 10 days yet - called XXXX on XX/XX/XXXX, Monday at XXXX XXXX XXXX Cap one VRU system transferred me to claims. " XXXX '' with Cap one claims verified me and stated my claim was " denied ''. I asked for a supervisor and he put me on an endless loop hold. 

I attempted to call XXXX - their system automatically states I have to have used the app exclusively and not through my bank account to even qualify to discuss anything with them. 

When you open up this case and investigate - you will see that I have clear, concise notes on the memo section which reflects my true intentions and there is no game-playing here. I have been with Cap One a very long time and they need to " do the right thing '' and credit my account for the XXXX that was intended for XXXX XXXX XXXX XXXX XXXX XXXX child support. Her cell is XXXX and in Capital One 's online banking system, the minute I put in the name, XXXX XXXX XXXX  cell populated ( I don't know this person ) and my son 's child support money was sent to him by accident. 

Can I be the only person this has happened to? Is this how banks and XXXX are going to handle this? 

How would you feel if this happened to you? 

Justice needs to be served. Fair is fair. I had only honest intentions of sending money to my son 's mother for support. Instead, large conglomerate Capital One could careless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2023, I applied for an auto loan expecting to receive the lowest advertised rate. Bank of America has failed to provide the exact reason they did not honor their advertised rate. 

I feel this is false advertising and an act of fraud. Class action may be needed to require Bank of America to properly state in their advertising that most consumers will not receive the lowest advertising rate. This way consumers can just apply with different banks and lower their score by applying for multiple loans.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Good morning : Approx. In XX/XX/2023, I sent a dispute requesting to remove bankruptcy from my report for inaccurate information. XXXX XXXX states that the U.S Bankruptcy Court reported to them that I have a bankruptcy and that it was accurate information. Therefore, they will not be able to remove this information. I have received a letter from you from the United States Bankruptcy Court stating that they DO NOT report any information to ANY consumer reporting agencies. This is a fraudulent act of using my information illegally and a right to consumer privacy. Please be so kind as to see 15 USC 1681a ( 4 ) and 15 USC 1681 I ( 7 ). Therefore, there is a willful non-compliance 15 USC 1681n with the consumer agencies Experian and XXXX because there is a refusal to remove the inaccurate information from my account. Please see 18 USC 242. Secondly, XXXX is reporting personal auto policy information such as my driver 's information, address, car information, and family members without my knowledge. I am requesting that these consumer agencies delete the information in this complaint immediately from their reports. 

Thank you for your help in this matter. 


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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I see this account has charge-off status and yet there is a past-due balance on your report. This account also is being reported with different payment history days between XXXX, Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase is refusing to acknowldge the identity theft and holding me liable for fraudulent transcations inspite of repeated explanations I am writing to you to document an issue with identity theft that I have complained to chase about previously. 

To sum up, On XX/XX/, my phone number was hacked. My provider is XXXX XXXX which uses an e-SIM service. The e-SIM was ported out to a different device. Once the hacker got hold of my phone number, he utilized phone based authorization and OTP services to get into my credit card accounts including Chase. 
He opened a new credit line with Chase under number # XXXX now ending XXXX If they check the date of the transaction they will find that this account was opened on the same day - XX/XX/XXXX. Before the physical card was dispatched, the hacker added the virtual card to XXXX XXXX ; and was able to utilize it for two transactions at XXXX totalling {$370.00}. 

Without phone access, I had to go in person to the branch multiple times to explain the situation and request the account be stopped. 
At the same time, the hacker also opened multiple credit lines with other companies. 

I have been a Chase customer for over 5 years and my account has always been well maintained. I have explained this situation multiple times in person ; and providing the same detail via this email as well. 
I want to emphasize my profound frustration and disappointment in the way this matter has been handled so far. I have consistently provided all necessary information, with a detailed chronological account of events from the day it occurred. I have visited my local branch multiple times over the past four weeks, made countless phone calls to your fraud department, and yet, I still find myself in a situation where the investigation officer 's demeanor has been less than accommodating. I have been met with rudeness and disbelief, with inquiries as to why I am reporting this after 60 days of the incident. 

I would like to request that you close this account and waive the charges on this account - while ensuring that this does not affect my credit score and record. 
My credit has also been frozen with all the credit agencies and if you check with them, they can verify the same I have provided them screenshots as documentation of the activities around that time period ; complaint that was provided to XXXX XXXX ; as well as the email that was sent to the Police department in XXXX XXXX XXXXXXXX with the appropriate complaint number already provided them I kindly request that you conduct a thorough investigation into this matter, provide me with updates on the progress, and work with me to resolve this issue promptly. I look forward to a swift and satisfactory resolution, as I believe it is in the best interest of both myself and Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: Greenberg, Grant & Richards Inc.
State: TN

Complaint narrative:
On XX/XX/ I noticed a hard inquiry on my credit report that I did not recognize nor did I give anyone permission to pull my credit report. I then called the company XXXX Greenberg , Grant & Richards ) and was told that XXXX XXXX the person I needed to speak with just went to a meeting and it would be XXXX hours before he could contact me. XXXX hour later XXXX called I then ask why his company Greenberg , Grant & Richards was pulling my credit report and he could not give me an reasonable explanation he kept saying his client sent my information to him. He kept saying it was a commercial matter I then ask why he was pulling my PERSONAL credit for a commercial matter. I do not own a business license. I ask him to send me documents with my signature in the mail and he said he could not do that. I want this hard inquiry removed off my credit report as this company Greenberg , Grant & Richards did not have my signature or my permission to pull my credit report! Also at no time during the conversation did XXXX request conformation of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have a SYNCB/XXXX  account on my credit report that I did not open and have no knowledge of the account. I also have never received a credit card from Synchrony BankXXXX card in the mail. This account also shows a payment history and Ive never made a payment to this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Consumer bureau are reporting inaccuracies and refusing to remove the inaccuracies. They are causing harm and interfering with commerce and my ability to trade. Since gold and silver was taken from the people and we do not have any other way to trade except with credit. This has caused severe harm. All companies are conspiring against the people and is violation of 39 U.S. Code 3001 These mailings, which resemble bills or invoices, are, in fact, solicitations for the order of goods or services, as clarified by 39 U.S. Code 3001. 
According to 39 U.S. Code 3001, matter that is in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due, but actually constitutes a solicitation for the order of goods or services, is considered nonmailable. The law requires that such solicitations must bear a clear notice indicating that the mailing is a solicitation and not a bill, invoice, or statement of account due. This notice should be in conspicuous and legible type, in contrast with the other printing on the face of the mailing. As a recipient, I strongly advocate for adherence to the laws and regulations that ensure the protection of consumers and maintain the integrity of the postal system.

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 2023-11-06 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: MD

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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