vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX In accordance to the Fair Credit Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 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. 

Accounts XXXX XXXX /XXXX/XXXX - # XXXX Has several late payments. 
It as well should not have any late payments attached to a charge off account because charge accounts are late by default. 

XXXX XXXX XXXX XXXX # XXXX It states I made a payment in XX/XX/2022 but states in the history you closed the account .. and only after 60 days of being late XXXX  XXXX XXXX This charge off again is illegally reporting late payments against an already charged off account that is late by default. In total it has close to 79 late payments attached to it and continues although the account has been charged off.. 


I want this late payments updated to pays as agrees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: AL

Complaint narrative:
On XX/XX/23 I wrote Experian to investigate hard inquiries on my credit report I do not recognize. I never gave the company checked my credit report permission to do that in any type of way! I never heard back from Experian and the companies are still reporting on my credit report without my authorization or consent. I called the companies on my credit report with you all and they said I needed to fix it with you, that they don't have any power over this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Around XX/XX/2023 I RECIEVED AN EMAIL FROM TRANSUNION WHICH IS A CREDIT REPORTING AGENCY OFFERING ME A CAR PURCHASE THROUGH XXXX XXXX XXXX ( A SCREENSHOT IS ATTACHED TO THIS COMPLAINT ) IT WAS A GAURANTEED CAR PURCHASE. I THOUGHT IT WAS BAD ETHICS FOR A CREDIT REPORTING AGENCY TO BE OFFERING A CAR LOAN SINCE THEY ALREADY KNOW THAT I HAVE BEEN TRYING TO PURCHASE A VEHICHLE FOR ABOUT A YEAR NOW SO I CAN WORK. I HAVE NOT BEEN ABLE TO PURCHASE A VEHICHLE BECAUSE ALL THREE CREDIT REPORTING AGENCIES HAVE BEEN REPORTING NEGATIVE ITEMS THAT IS NOT MINE. FOR A YEAR NOW THEY HAVE BEEN REPORTING AND I'VE BEEN TRYING TO DISPUTE THESE ITEMS OFF. BUT ANYWAY TRANSUNION WAS THE INSTITUTION THAT SENT ME THE EMAIL THAT GARANTEED A CAR LOAN SO I GUESS THEY ARE THE ONE TO COMPLAIN ABOUT. I TRIED FOR THE LOAN BUT WAS NOT ABLE TO GET IT!

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 2023-12-11 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased a total of 4 items on XX/XX/2022, from XXXX. The items were delivered on XX/XX/2022. Upon opening the box, I noticed something strange from the start. I noticed the seal of various boxes to be tampered with. The seal being broken was the first red flag. The second red flag was the condition in which the boxes were in. The boxes were clearly mishandled because they were damaged. This is the reason why I am requesting a full refund of {$1300.00}. 
Processors The two processors I purchased were the XXXX XXXX and the XXXX XXXX. The XXXX turned out to be a XXXX XXXX XXXX and this was one of the items with a broken seal. The XXXX XXXX was correct, but the pins were bent and it was also one of the items with a broken seal. Upon realizing what was wrong, I immediately went to XXXX in XXXX, CA to try and fix the problem. When I got to the store, the manager in charge refused to replace the items stating, Its my word versus your word. I went home and tried to talk to customer service over the phone but they kept insisting I visit a different store and try my luck there. 
Motherboards I purchased two motherboards in this same purchase. I purchased an XXXX XXXX XXXX and a XXXX XXXX XXXX. The XXXX XXXX motherboard was misboxed and I received a random blue motherboard made by XXXX. This was not at all what I ordered. The XXXX XXXX tomahawk was the only correct item. It worked as intended, but after dealing with all these other defective products, I just wanted my money back and did not want to deal with XXXX anymore. 
Second Attempt I made a second attempt to return the products. On XX/XX/2022, I visited the XXXX location in XXXX, California. I explained my situation, and the employees seemed to understand where I was coming from, but unfortunately, they did not go through with the return. Instead, they gave me a customer support number to call and try to get the return approved that way. I was unsuccessful in having them provide me with the means to return the merchandise in the same condition I received it. 
Final Thoughts My experience with purchasing items from XXXX was a complete disaster. Not only were the items delivered in a mishandled condition with broken seals and damaged boxes, but the items themselves were defective and incorrect. Despite my attempts to rectify the situation by visiting XXXX different XXXX locations and contacting customer support, I was met with resistance and unhelpful responses. I am left with no choice but to request a full refund of {$1300.00} for the XXXX items I purchased. This experience has left me extremely dissatisfied with XXXX and I do not recommend anyone to purchase items from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: AL

Complaint narrative:
On XX/XX/23 I wrote TransUnion to investigate and remove hard inquiries on my credit report I do not recognize. I never gave the companies ANY type of permission to check my credit score. There was absolutely no authorization for this on my end and that's why I asked TransUnion to investigate this issue. I never heard back from them. I ask that they please remove those hard inquiries appearing on my credit report. I did contact the companies and they said I needed to contact the credit bureaus so that is what I did.

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 2023-12-11 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: CA

Complaint narrative:
value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested record is settled. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}

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 2023-12-11 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX  I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. 

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, 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 2023-12-11 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:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX MA XXXX CT XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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 2023-12-11 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX MA XXXX CT XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XXXX, XXXX, XXXX are all reporting inquiries on my consumer reports hard and soft inquiries. When declined to remove they will make note of Permissible thats the reason however based on the law as follows : 15 U.S Code 1681b- any consumer reporting agency may furnish a consumer report under the following circumstances and no OTHER : Court, written instructions of consumer, credit transaction, extension of credit, employment purposes, insurance underwriting, license, child support. 

NONE of the inquiries EXCEPT the ones I have direct accounts should be on my consumer report AT ALL! Please fix I will charge for each one that is reporting fraudulently!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: GA

Complaint narrative:
XXXX, Experian, XXXX, XXXX are all reporting inquiries on my consumer reports hard and soft inquiries. When declined to remove they will make note of Permissible thats the reason however based on the law as follows : 15 U.S Code 1681b- any consumer reporting agency may furnish a consumer report under the following circumstances and no OTHER : Court, written instructions of consumer, credit transaction, extension of credit, employment purposes, insurance underwriting, license, child support. 

NONE of the inquiries EXCEPT the ones I have direct accounts should be on my consumer report AT ALL! Please fix I will charge for each one that is reporting fraudulently!

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 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Who can claim compensation? Anyone who has a Bank of America consumer checking and/or savings account and incurred repeated fees as described on the class action settlement website can claim part of the settlement funds, provided that the transactions occurred between XX/XX/XXXX and XX/XX/XXXX. 

I am a member of the class action suit where I did have an account during the identified period. Thus, fraudulent activity conducted by Bank of America was perpetrated on me with regards to the account listed below. 

I paid Bank of America all the fees and restitutions that were requested of me back in XX/XX/XXXX before knowing that Bank of America had fraudulently charged me fees on my account. 

I am simply requesting that this account be removed from XXXX XXXX and XXXX XXXX XXXX as soon as possible. I am a victim of fraud at the hands of Bank of America and also a victim of the XXXX XXXX XXXX. This is causing me harm and preventing me from opening another bank account. 

Bank of America claims my account had " FRAUD ACTIVITY '' just as " FRAUD ACTIVITY '' by Bank of America on me. Change account status to " CLOSE '' with no fraud or remove the data from XXXX XXXX XXXX and XXXX XXXX. 

Account ending in 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 2023-12-11 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: NJ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX 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 2023-12-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  NJ, XXXX Dear XXXX I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. 

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter.

Thank you for your cooperation. 

Sincerely, 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 2023-12-11 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: NY

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must get rid of the following accounts from my file. 

DPT EDXXXX 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 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: NY

Complaint narrative:
Fraudulent account open up without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion alleges that " credit collections '' belongs to me and is " accurate ''. I never had any business with this company a day in my life, Please update my credit report with this company remove asap.

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 2023-12-11 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: IN

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report 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

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 2023-12-11 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: IN

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : 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

Company response to consumer: Closed with non-monetary relief