vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: AR

Complaint narrative:
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 Account Number or other information to identify account : XXXX Dates associated with item being disputed : XXXX XXXX  Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number or other information to identify account : XXXX Dates associated with item being disputed : XXXX XXXX  Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number or other information to identify account : XXXX, XXXX, Dates associated with item being disputed : XXXX XXXX Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX Account Number or other information to identify account : XXXX Dates associated with the item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number or other information to identify account : XXXX Dates associated with item being disputed : XXXX XXXX Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) I have attached a copy of my report with the accounts in question circled. 
Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NC

Complaint narrative:
The caller is not giving any info on who they are. The caller keeps stating they are trying to serve me legal documents and gives an exact time/date that they will be coming to my home to serve me. The caller states if I'm not at home they will show up to my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy federal took money in the middle of the night out of my savings account and paid it towards an unpaid balance for car loan. They have reverted the payments before but now that my car is not in my possession they say they cant and its in the policy. I did not see it on the policy and they could not prove that. We was on a recorded line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I was denied for a new credit card due to " existing or previous '' late payment on a Citi account per my XXXX credit report. I immediately pulled my credit and there are no late payments at all. I never had the card they claim. Citi will not give me a case number or a way to follow up. They verified the fraudulent card is under my social security number but they just keep saying it's under investigation. In the mean time, I was rejected for credit and am concerned about the security of my data. Citi will not help me even though I am not at fault. I can't get a phone number to directly speak to anyone to follow up.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Re : Request for Removal of Closed Account from Credit Report Account Number : XXXX Dear Sir/Madam, I am writing to formally request the removal of a closed account from my credit report. The account in question is with first premier bank and has been listed as closed, but I believe it is being reported inaccurately or unfairly. The details of the account are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Account Closed : XX/XX/XXXX This account was closed on XX/XX/XXXX and, since then, I have had no further activity or outstanding balance associated with it. Under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ), I believe this account should no longer be reported on my credit report as it no longer reflects my current credit status. 

I respectfully request that you review this information and remove the account from my credit report. Enclosed are copies of relevant documentation, such as a statement from first premier bank confirming the closure of the account, for your reference. 

I understand that under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they report. I trust that upon review, you will find that this account should no longer appear on my credit file and will take the appropriate steps to have it removed. 

Please notify me in writing once this matter has been resolved. 

Thank you for your prompt attention to this request. 

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 explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Applied for a credit card with capital one on XX/XX/XXXX. 

Capital one asked for documents to be uploaded to portal. Documents were uploaded on XX/XX/XXXX and XX/XX/XXXX. 

Capital one sent XXXX emails saying " thank you for uploading your documents '' I received no other correspondence from capital one after this until I placed a phone call on XXXX. The online portal for uploads was closed so I faxed my document per the customer service representative. They said there was an issue but it they couldn't tell me what it was. I received confirmation from capital one they received my document. No other correspondence was sent. 

On XX/XX/XXXX I called again, and was again told there was issues with XXXX document but they could not tell me what it was. I again faxed the document and received confirmation from capital one it was received. 

Later that day I received an adverse action letter stating my application was denied due to it being incomplete or unable to be verified. 

I provided all documentation that capital one asked for, and waited nearly 2 months with no correspondence except for communication I started. 


I attempted to resolve this with capital one but was told it was illegal for them to tell me what was wrong with my documents, and against policy to provide me with countless numbers of alleged correspondence they sent over the course of this application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: Credit Karma, LLC
State: FL

Complaint narrative:
I had contacted equifax myself! And I also have logged into my XXXX account. I only have XXXX account with the credit bureau. It Is XXXX credit card. Credit karma Is reporting their own information that does not belong to me. They are violating my rights and breaking laws. 

15 Us code 1681 Please have credit karma remove all accounts from my XXXX except XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: VA

Complaint narrative:
Date : XX/XX/2024, " XXXX XXXX services '' pulled my credit via Transunion and XX/XX/2024, XXXX XXXX XXXX XXXX pulled my credit as well via XXXX. These are both either fraudulent, but more-so unauthorized.

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 2024-11-22 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: VA

Complaint narrative:
Date : XX/XX/year>, " XXXX XXXX services '' pulled my credit via XXXX and XX/XX/year>, XXXX XXXX XXXX XXXX pulled my credit as well via Equifax. These are both either fraudulent, but more-so unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
on XX/XX/year> settled debt for {$370.00} for deletion upon payment

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 2024-11-22 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
on XX/XX/year> I settled to pay {$330.00} for pay & delete ... and still have a remaining of {$120.00}

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 2024-11-22 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-11-22 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: NC

Complaint narrative:
I recently checked my credit reports and found late payments that are inaccurate names that are not mine, addresses where I never lived, and accounts that have insufficient data on them. These accounts are 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

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-22 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: AL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX  Date of Inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
after a fraudulent debit card charge was reported XX/XX/XXXX, a new debit card was delivered and activated XX/XX/XXXX. An ATM withdrawal of {$60.00} was made by me at a local bank branch ( XXXX XXXX XXXX ). XX/XX/XXXX my online credentials were not working. 

When I called the XXXX # I was transferred to another department that would NOT disclose the issue with my account. I was informed that a letter was sent to me with a REFERENCE #. Nothing about my account could be discussed without that reference number. 

I followed up by going to the local branch at XXXX XXXX XXXX to see if they could determine the issue- they could not. I was advised the letter could take XXXX business days. After nothing arrived in the mail, I called the XXXX # again, requested to speak with a supervisor who told me it could take XXXX ( XXXX ) business days to receive the letter. 

XX/XX/XXXX I scheduled an appointment at XXXX XXXX XXXX. The branch representative called the XXXX # in my presence, gave his bank I.D . and branch I.D . The person could not dislose the issue. When the phone was handed to me I was told another letter would be mailed to me- but no confirmation that it would be sent by close of business XX/XX/XXXX and that it could take XXXX business days. 

My account has now been frozen for XXXX  days. I have NO correspondence, no email, no documentation as to WHY my account is under review. The branch rep printed recent transactions which were all legitimate. The funds are in my account. Payroll from XXXX separate agencies for whom I work freelance were deposited. My mortgage payment was REJECTED. My AMEX payment was rejected. I had to use a joint account at another bank to pay these obligations. 

NO ONE IS HELPING 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 2024-11-22 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

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 XXXX 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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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.

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX submitted an credit application for auto loan in my name XXXX XXXX XXXX. XXXX pulled my credit and two inquires where made from them dates are XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX inquire date is XX/XX/XXXX as well. I reached out to both of the companies. XXXX sent me a letter stating that the received the application from XXXX XXXX. So I reached out to XXXX XXXX who than put me in touch with their lawyers, so did an investigation. They mailed me a letter stating they could not find a credit application online or in person or via phone with my information. They said i can submit this letter to all credit bureaus and I did. Equifax is the only company refusing to remove this. stating I have to file police reports and go to court ect. I'm attaching letters from everyone. I have a credit to file to remove inaccurate information off my credit report

Company response to consumer: Closed with explanation