vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Ive expressed my frustration with capital one regarding my late payment thats reporting. Capital one is furnishing an inaccurate and incorrect reporting. 

No, The reporting of such an accurate information has caused severe damage to my character my reputation my way of living my abilities, obtain credit for personal house purposes this has severely damaged my livelihood. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

My TRANSACTIONS is my payment history And my experience is the amount of credit im using that was extended to me. 

So the law clearly stats that my credit report should NOT include TRANSACTIONS AND EXPERIENCES which it currently does which would be against what the law mentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: GA

Complaint narrative:
Experian, XXXX, and XXXX are reporting a late payment when they shouldnt be PER 15 USC 1666b ( a ) Time to make payments 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 2024-03-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to follow up on my previous communication regarding unauthorized inquiries on my credit report. As of my last correspondence dated [ date of previous letter ], I have not received a satisfactory resolution to this matter, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I believe that the failure to address these unauthorized inquiries promptly may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the removal of inaccurate or unauthorized information from their credit reports in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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:
I am writing to follow up on my previous dispute regarding the inclusion of the charge off account my credit report. Despite my previous communications dated XX/XX/year>, I am disappointed to note that this matter remains unresolved, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, it has come to my attention that the continued inclusion of this disputed account on my credit report may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the timely removal of inaccurate or disputed information from their credit reports. 

I am deeply concerned that despite my efforts to dispute this inaccurate information and provide evidence supporting my claim, you have failed to take appropriate action to investigate and resolve this matter. This failure to comply with the FCRA 's requirements may expose them to legal liability and penalties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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:
XXXX is reporting a late payment on my account in error. I have never been late and this is affecting me negatively as well as all attached authorized users. 

I believe the misunderstanding is from XXXX payments that were made in XXXX. XXXX payment cleared and XXXX payment was returned. However, the payment that cleared was the first payment made. Therefore, no payment was late. 

According to the statement, no payment was made. However, I also attached a print out of transactions which clearly shows a payment made for {$73.00}. ( see attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The company advertise the promotion to open a business checking account. The requirement is deposit XXXX and maintain 60 days. I meet all the requirment but didn't receive anything. I have called them 5 times but nobody can help me. I also went to their branch, the agent also called them and didn't get any help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-29 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: GA

Complaint narrative:
This account was charged off on the following date XXXX. Since then the account nas repeatediv been uodated as charded off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect nas violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: CA

Complaint narrative:
To whom it may concern, I am writing to file a formal complaint against TransUnion regarding their failure to delete a disputed debt from my credit report. The debt in question stems from identity theft, and despite my repeated attempts to dispute its validity, TransUnion has failed to take appropriate action. 

According to the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a debt to be sold or transferred without the debtor 's consent. As this debt is a result of identity theft, it is imperative that TransUnion follows the necessary procedures outlined in the FDCPA to rectify this issue promptly. 

I have provided all necessary documentation and evidence to support my claim of identity theft, yet TransUnion has neglected to uphold their obligations under the law. If the correct actions are not taken this time to rectify the situation and delete the disputed debt from my credit report, I will have no choice but to pursue litigation to ensure my rights are upheld and the matter is resolved appropriately. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against XXXX for their failure to comply with the FDCPA. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2024-03-29 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
On XX/XX/XXXX of 2023 I was notified of hard inquiries on my credit report from a company by the name of XXXX, they had put hard inquiries from Ally financial XXXX, Consumer, XXXX. And XXXX XXXX XXXX XXXX. On XX/XX/2023. I have never dealt with the company XXXX, they did a 60 day investigation and they sent me a letter on XX/XX/XXXX of 2023 showing identity theft was proven and that they would have the hard inquiries off of my Credit report.. I was told that I would have to go back to the company 's of Ally and XXXX and a fraud or identity theft report which was all that was already done And sent to carmax auto finance. They asked me if carmax auto finance was off my report and I said yes, it was, but they put other hard inquiries on my report which was not me. Proven by the identity theft report that was sent by the investigation done by XXXX. I got a letter today on XX/XX/XXXX, from ally financial stating that I would have to get in contact with XXXX because they are the ones that put the hard inquiry request to Ally financial, so it's gone in a circle back-and-forth. All I ask is for XXXX to remove the XXXX inquiries from XXXX of Ally financial and XXXX XXXX XXXX XXXX On XX/XX/2023 and the XXXX. Report of XXXX, XXXX auto finance on XX/XX/XXXX XXXX XXXX XXXXhank you. I also did a XXXX XXXX XXXX complaint of XXXX.Ally financial, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
My bank XXXX XXXX made 2 payments to a vender on XXXX for {$150.00} & {$200.00} on XX/XX/XXXX. Electronic payment. The vender checked their accounts and they didn't receive the payments. The banks system only lets me enter a mailing address and not account information for an electronic payment. The bank will only say that they sent the payment to my vender XXXX. No account information of where it was sent. They say they can't refund the account since they have no way to get the electronic payment back. 
They know where they sent the payment and should have a record of it to track it down and get the payment back. They are refusing to do anything about it. Does this mean bank bill payment is a fraud and not safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, the company called me to resolve a late payment. I was confused with the situation because I had already set up automatic payment from my personal checking account but remembered I updated my checking account since I was a victim of fraud on the checking account they had on file. I explained the situation to the representative on the phone and provided the up-to-date information. The representative said she would take care of the payment and update the account number for future payments. The representative apparently made a payment of XXXX instead of XXXX which was the full amount of the payment. On XX/XX/XXXX, I received another phone call from the company stating that another payment was needed. I again explained the situation to the representative and she apologized and mentioned something about there being a phone issue. Apparently due to the late payment which was an issue created by the representative my XXXX percent promo rate was taken away and the company is trying to get me to pay the deferred interest. I made a full payment to my balance because I was unhappy with the service provided and errors that were made to my account. When the XXXX statement came in the mail it reflected the deferred Interest of XXXX. What the company did was deceptive and unfair to me because I provided the updated checking account and explained the situation of fraud on my checking account. I do not think I should be penalized for the company 's mistake. I emailed the company but have not received a call back or reply email on this situation and that is why I am filing a complaint. I do not want this to affect my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I viewed my Credit report and there are Inquiries From Experian that are not mines. I filed an identity theft report because they were not authorized by me. There are inquiries from XXXX XXXX and XXXX XXXX XXXX that were not submitted by me. My only address should be the address that is submitted on my Identification. I have attached a copy of my state ID for identification and address validation. There should not be any other addresses on 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 2024-03-29 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:
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 # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX Account # XXXX XXXX Account name : XXXX 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: IL

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 # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX Account # XXXX XXXX Account name : XXXX 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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:
On the evening XX/XX/XXXX I called Equifax and spoke to a rep to cancel disputes and remove dispute remarks on any and all accounts that had disputes on there. 
On the morning of XX/XX/XXXX I noticed that there were two accounts still showing dispute remarks, one account was XXXX XXXX, and the other was XXXX XXXX. 
I called back Equifax in the early afternoon on XX/XX/XXXX, to explain to the rep XXXX XXXX  and XXXX XXXX still had dispute remarks showing, the rep assured me that he went and deleted the remarks to those two accounts. 
Then later on the evening of XX/XX/XXXX around XXXX, I received an alert that XXXX XXXX  was removed completely from my credit file, THIS ACCOUNT SHOULD HAV NEVER BEEN REMOVED, just a dispute comment should of be removed. This XXXX XXXX  has been on my credit file since XX/XX/XXXX, will a payment 100 % on time its still an OPEN ACCOUNT. With Equifax making this error and deleting XXXX Mortgage, caused my credit score to go down at least XXXX points. The portfolio recovery account was updated correctly. 
On XX/XX/XXXX I called Equifax to let them know what exactly happened and they said they would not be able to add that account back to my credit profile!! I asked to speak to a XXXX, they kept putting me on hold every 3-5 mins I was on hold for an hour and XXXX minutes, for them to tell me the XXXX shift was over and they would have to put me in que for a different XXXX, and that the hold could be just as long or even longer cause there were XXXX other customers in front of me. So I hung up and started this complaint with the CFPB, please help!

Company response to consumer: Closed with explanation