vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing this to file a formal complaint regarding the closure of an account that was furnished on my consumer report without my written or oral consent. The closed account I am referring to is the Account Details : Creditor : XXXX XXXX  Account Number : XXXX Date Closed : XX/XX/XXXX Current Status : CLOSED Balance : {$0.00} Date ReportedXXXX I believe that this has been carried out in a manner that is unjust and without proper communication. I had reached out to these reporting agencies on XX/XX/XXXX of XXXX in regard to this closed account. The response i have obtained was that this account has came back verified and accurate but never sent out Documation on how they verified this information and who did they get this information from. They never did a proper investigation consumer report. The closure of that account has caused me significant inconvenience and disruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I am writing this to file a formal complaint regarding the closure of an account that was furnished on my consumer report without my written or oral consent. The closed account I am referring to is the Account Details : Creditor : XXXX XXXX  Account Number : XXXX Date Closed : XX/XX/XXXX Current Status : CLOSED Balance : {$0.00} Date ReportedXXXX I believe that this has been carried out in a manner that is unjust and without proper communication. I had reached out to these reporting agencies on XX/XX/XXXX of XXXX in regard to this closed account. The response i have obtained was that this account has came back verified and accurate but never sent out Documation on how they verified this information and who did they get this information from. They never did a proper investigation consumer report. The closure of that account has caused me significant inconvenience and disruption.

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Im here asking you for the love of God to help me solve this problem with the Bank of America ..... 

On XX/XX/2022 I contacted XXXX XXXX XXXXXXXX complaining about a fraud in my account... I saw them withdraw in a day almost {$1000.00}... when I went to take a look at my account to realize that XXXX was withdrawing money from my account for more than a year. I contacted the bank to open claim, they said they were going to investigate .... 

And they will ask me to contact XXXX ... .I contacted XXXX and XXXX will review my phone and saw that it was fraud ... I called the bank again and they will send I wait 45 days to investigate... well the 45 days have passed and they will not call me and did not send any letters and simply closed the case... 

I called the bank again, they simply said they closed the case for spending a lot of time I spoke to the attendant that XXXX spoke That it was fraud... they will tell me to go to the bank and sign a paper. I got there, there was no paper and the person who answered me called them And he explained everything again and the attendant asked me to go to the police station to open report I did everything they ask to me They will ask, I sent everything copie report And they will send I wait 30 days I waited I called again and they couldnt find the documents I sent and whenever I called I never found my case even with the claim number I asked about the fax I sent... I didnt have an answer and in the end the boy who answered me simply said that there is nothing else to be done .... Because I entered my account several times and because I didnt see the transactions .... So I explained why it is a Businesses account and that it entered several charges and entered money that my life is very busy because I have XXXX children .... Im single mother Bank of America will close the case Even though I said that XXXX said it was fraud For not speaking English Theyll think I wont run after my money Please help me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you need, Ill send you everything from each sheet of this Bank of America

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I had an authorized user on my account named XXXX XXXX. I sent a message using my NFCU online banking to let them know on XX/XX/XXXX that I wanted him taken off of my account as an authorized user. I have used this avenue to remove authorized users in the past with no issues. So at that time I assumed he was no longer on the account. Then, on XX/XX/XXXX XXXX XXXX XXXX initiated a {$100.00} cash advance from my account to his checking account. On XXXX when I realized this, I immediately messaged NFCU to find out why he was still on there as an authorized user. We went back and forth with them finally saying that the removal was never finalized because I had to respond to their response saying that I confirmed that I wanted him removed. I never had to respond before for that. Me giving them notice that I no longer wanted him to have access to the account was enough of a notification and he should have been removed. I want my {$100.00} back that he cash advanced because he should not have been on the account at that point in time. The following is their response to my inquiry about this issue, " XXXX XXXX, thank you for your follow up message. We did reply to your message on XX/XX/XXXX, acknowledging the request, however, we needed further confirmation from you in order to complete the request to remove the authorized user. XXXX XXXX has been deleted as an authorized user of your XXXX XXXX account. You continue to remain responsible for the entire balance, including any charges made by a deleted authorized user. Please allow 1-2 business days for the removal to reflect via Online/Mobile Banking . Your user 's removal will be updated with all major credit bureaus on or around the next statement closing date of XX/XX/XXXX. If we may be of further assistance, please let us know ; we always consider it a privilege to assist you. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

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 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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
This account XXXX XXXX XXXX is reporting to my credit report as Account charged off, written off. This is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so that I could file this as ordinary income. I haven't received the form. They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation. 

Also, I've ask that the original contract between me and this company be presented, I still haven't received that information. Credit bureau states they have verified the information to be accurate and true. I would like to see the information that was presented to verify this account. If this account can not be properly and accurately verified, then this account needs to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I am writing this notice to let it be known that i have reviewed my consumer report and realized that I have 6 fraudulent inquiries on my consumer report that's not attached to an open account, nor did I give Equifax written or oral consent to furnish anything on my consumer report. As a consumer reporting agency Equifax has to exercise their grave responsibilities with fairness, impartiality, and with the respect of my right to privacy as a consumer to have the inaccurate information removed when I was denied assistance and my consumer rights were violated. I do not recall that Equifax have sent out any type of communication in regard to an investigation consumer report. Since Equifax haven't verified the information stating how they came up with the conclusion that the information was accurate there's been numerous financial intuitions stating that I am not credit worthy as a consumer for an extension of credit due the fact that there is information on my consumer report that's negatively impacting my credit standing. Equifax unfair credit reporting methods undermine my confidence in its practices which is essential for me to extend my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This particular issue has not yet been brought to the attention of the Consumer Financial Protection Bureau ( CFPB ). Unlike my prior attempts, which were swiftly concluded with the inaccurate assertion that " The CFPB has dismissed this complaint due to its prior handling of your grievances regarding this matter, '' it's essential to clarify that this is an entirely novel concern necessitating resolution. It is evident that this issue is distinct from any previous problems and warrants a thorough and separate examination. Your prompt and accurate attention to this new matter is greatly appreciated. 

Capital One 's decision to close all four of my credit card accounts was based on the occurrence of returned payments on three out of the four accounts. I promptly rectified the situation on my own, addressing the issue without delay. It is important to emphasize that prior to this incident, I had maintained a flawless payment history and had never missed a payment. Despite these facts, I find it perplexing that Capital One has taken such drastic measures without providing any form of communication, whether through phone calls, emails, or notifications. 

In my interaction with a customer service representative, I was informed that there seemed to be no avenue for recourse in this matter. I was advised to direct my concerns to the general correspondence department, an action I have already taken. Regrettably, even after following the prescribed course of action, I have not received any acknowledgment or response from Capital One. 

Given these circumstances, I implore Capital One to reevaluate its stance on this issue. It is evident that my immediate correction of the returned payments demonstrates my commitment to responsible financial management. I am left feeling both perplexed and unsupported due to the lack of communication and avenues for resolution. I respectfully request a comprehensive review of this situation and a timely response to rectify this matter. Your prompt attention to this issue would greatly alleviate my concerns and help restore my confidence in Capital One 's customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I am writing this to file a formal complaint regarding the closure of an account that was furnished on my consumer report without my written or oral consent. The closed account I am referring to is the Account Details : Creditor : XXXX XXXX  Account Number : XXXX Date Closed : XX/XX/XXXX Current Status : CLOSED Balance : {$0.00} Date XXXX I believe that this has been carried out in a manner that is unjust and without proper communication. I had reached out to these reporting agencies on XX/XX/XXXX of XXXX in regard to this closed account. The response i have obtained was that this account has came back verified and accurate but never sent out Documation on how they verified this information and who did they get this information from. They never did a proper investigation consumer report. The closure of that account has caused me significant inconvenience and disruption.

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

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 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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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. 

1. Did not consent to unauthorized inquiry. XXXX Inquired on XXXX XXXX XXXX XXXX Please Remove It From My Credit Report. 2. Did not consent to unauthorized inquiry. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Remove It From My Credit Report. 3. Did not consent to unauthorized inquiry. XXXX Inquired on XXXX XXXX XXXX XXXX Please Remove It From My Credit Report. 4. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this accountXXXX Account Number XXXX XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurateXXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 6. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.XXXX XXXX Account NumbeXXXX XXXX XXXX Validate/inaccurate reported late payments. 8. I never filed a bankruptcy. It is not on XXXX Transunion XXXX XXXX XXXX XXXX XXXX was the furnisher of bankruptcy information for Transunion until XXXX XXXX XXXX XXXX XXXX discharged, filed XXXX Account Number : XXXX 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 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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023, we ( myself and my wife ) directed Bank of America by US Postal mail to CLOSE our credit card account. Bank of America has failed to do so or acknowledge our request in any way. They are obviously trying to do the reverse of their fraudulently opening accounts for unsuspecting people by failing to close accounts when directed.

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SECURITY FINANCE CORP
State: OH

Complaint narrative:
THESE COMPANIES WERE ON MY CREDIT REPORT WITHOUT MY AUTHORIZATION I NEVER AUTHORIZED THEM AT ALL THEY WERE PUT ON BY XXXX XXXX WHO WAS SINCED REMOVED FOR MY CREDIT REPORT ON THE SAME DAY XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation