vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 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: NC

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations.

It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 
Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect.

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance otherwise every single item even each or all of the relatedregulations, mentioned or that if any or each item being reported is challenged for its legal reportability.I request verifiable physical evidence to prove the existence and permissible usage of the account. If this evidence is not provided, I expect the account to be removed from the report. You have my authorization to send me physical documentation of your actions and an updated 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 2024-05-28 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: PR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: PR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Kovo
State: NY

Complaint narrative:
The reason for my complaint against Kovo Credit is due to their negligent customer service, which has resulted in the reporting of late payments on my credit report and has ultimately affected my ability to qualify for new lines of credit. I needed to update my billing information on file and attempted to log into my online account without success. Despite requesting password reset instructions multiple times, I never received an email with the instructions. 

I reached out to Kovo via email on XX/XX/XXXX, requesting assistance and did not receive a response until XX/XX/XXXX, six days later, informing me to contact them directly. However, whenever I attempted to reach out, I could never get a hold of anyone. The lack of timely communication from Kovo caused my payments to be processed late, as I was unable to access my online account and did not receive any assistance from their customer service team for account access. 

As a result, I am now suffering from multiple late payments on my credit report, which has damaged my credit score and hindered my ability to qualify for credit. This situation is extremely frustrating and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-28 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account XXXX XXXX XXXX XXXX that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments /ve attached a copy of my report to this complaint on the following dates XX/XX/2019 and XX/XX/2019 im now requesting you investigate this account and update these payments to paid on time immediately. I was in forbearance and spoke with XXXX loans and they said no late payments should be reported to my account because of covid 19 at the time as well. Thank you for your understanding and prompt action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank , N.A . : After repeated attempts to verify my identity with customer service representatives in XXXX, Citibank has failed to send multiple wire transfers within one business day. ( Repeated offense. ) This is illegal under the Expedited Funds Availability Act ( EFAA ) of 1987.

Before you bank with Citi : Citibank, even after verifying identity, will never lift their daily maximum wire transfer or external bank transfer limit. If you open a Citi savings account, you can deposit up to {$250000.00} immediately, but you WILL NOT be able to get that money back out in any reasonable timeframe. ( Max {$50000.00} / day wire transfer and max {$10000.00} / day external transfer. Other banks will temporarily lift this restriction when you are buying a house. ) This has delayed me from closing on a house.

I have spoken to more than a dozen customer service representatives in XXXX ( including requesting the manager ) in regards to this matter and 1 ) I have answered the same identity questions at least 5 times, 2 ) wire transfers more than 1 business day old still have not been sent, 3 ) they have locked me out of external transfers to my checking account for which I have again answered the same identity questions multiple times and waited 2 days to get transfers unlocked. 

If you do not live within a distance of a Citibank branch that you can visit in person, do not hold any of your money in any Citi account. A person living anywhere in the nation may bank online with Citi. The nearest branch to me is a 7 hour drive, limiting my assistance to XXXX call centers.

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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hello. I have a personal Chase Credit Card. When I logged in to my Chase Credit Card account this weekend, there was a checking account there - that I do not own. I clicked on it to see what it was, and I recognized it as being related to a former employer from over 6 years ago. I know Chase did the XXXX XXXX XXXX this weekend. I used to be on many of my former employer 's accounts with XXXX XXXX, Goldman, and JP Morgan. When I left the company I made sure to talk to all of our concierge bankers and remove myself and all my contact info from any of their accounts. Then this weekend I logged in and had full access to one of their bank accounts and I shouldn't have. I tried calling the bank, but nothing seemed to work. I did alert my old employer and gave them the last 4 digits of the account number, but I find it hard to believe that these people are the only ones having this problem. I suspect many XXXX XXXX account holders aren't aware that their full banking access may be given to someone they do not want to have it or should not have it. This is a big deal and should be taken seriously. These banking systems are sitting on old tech that keeps getting reverted back to old systems. They need to stop giving out money to execs and shareholders and invest in the protection of their clients!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: IL

Complaint narrative:
I am writing to you regarding discrepancies on my credit report that I believe are the result of unauthorized use of my social security number and card. Upon reviewing my credit report, I have identified several inquiries and accounts that I did not authorize, nor do they pertain to any activity that I have engaged in. I am unaware of any such activity associated with my name. 

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. 

Please consider this letter as my third attempt to resolve this matter. I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly.

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 2024-05-28 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-28 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-28 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: IN

Complaint narrative:
Sent certified letter via mail, I have waited over 30 days for a method of verification, accounting information.

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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I opened a new checking account online with Huntington Bank on XX/XX/year>. There was ( and still is ) a public offer for a {$400.00} bonus if I set up direct deposit and had at lease one {$1000.00} direct deposit made within 90 days. I had direct deposits of {$1000.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The terms of the agreement say that the bonus will be paid within 14 days of the 90 day mark. 104 days was XX/XX/XXXX. No bonus was paid. 

I called on XX/XX/year> and was told that I had not signed up for the bonus. This was incorrect, as I kept a screen shot of the application page clearly showing the bonus terms and clearly showing that the promo cade had been applied to my application. I was told that they would look into it and I should call back in a week. 

After one week, ( today, XX/XX/XXXX ), the bank has still refused to pay my bonus and is still claiming, despite my hard evidence that I did not apply the promo code. 

This is fraud. I applied using a publicly available link. I met all the required terms and am due the bonus. I have hard evidence that I followed the link and applied the code.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX, I made a payment in the amount of {$75.00} And had available credit of {$48.00} and had rewards points {$13.00} that as of XX/XX/year> have disappeared and have made {$1000.00} in payments this month and have been overcharged in interest my {$75.00} not added to my available credit and {$48.00} available credit is gone and rewards. 

Payment was made XX/XX/XXXX bot XX/XX/XXXX and my funds have not been applied before the billing cycle which should have gone toward my available balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: NC

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: NC

Complaint narrative:
I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/year>, NOTIFYING THEM OF THE FRAUDULENT INQUIRIES. I SPOKE WITH REPRESENTATIVES IN THE FRAUD DEPARTMENT THAT ASSURED ME THIS WOULD BE RESOLVED. I ALSO CONTACTED EACH CREDIT BUREAU VIA CERTIFIED MAIL. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES THAT I HAVE NOT AUTHORIZED ARE STILL REPORTING. THESE INQUIRIES HAVE IMPACTED MY CREDIT. 

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681.

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS

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 2024-05-28 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: NC

Complaint narrative:
I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/2024, NOTIFYING THEM OF THE FRAUDULENT INQUIRIES. I SPOKE WITH REPRESENTATIVES IN THE FRAUD DEPARTMENT THAT ASSURED ME THIS WOULD BE RESOLVED. I ALSO CONTACTED EACH CREDIT BUREAU VIA CERTIFIED MAIL. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES THAT I HAVE NOT AUTHORIZED ARE STILL REPORTING. THESE INQUIRIES HAVE IMPACTED MY CREDIT. 

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681.

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: MN

Complaint narrative:
My information was compromised from the Data Breach that happened with this company and I am a victim of identity theft so I question the accuracy of anything on my report. In particular the Hard Inquires which I don't even have credit cards for, these are unauthorized and according to the FCRA, legally these unverifed and unauthorized items must be removed I have filed police reports was recently in litigation with XXXX for identity theft and have also filed multiple different FTC reports on this issue but to no avail. I will attach documents to support my claim the hard inquires are as follows [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: Self Financial Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I did not open these accounts that are in collections, and bureaus are refusing to remove false information.

Company response to consumer: Closed with explanation