vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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:
To Whom It May Concern, I am reaching out to report multiple inaccuracies on my credit report that the credit bureaus have failed to correct. These errors include addresses where I have never lived, outdated employment information, and name variations that do not accurately represent me. Furthermore, several inquiries appear on my report without my consent or knowledge. These inaccuracies are not only misleading but also violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verified information. I have contacted the credit bureaus to rectify these issues, but no action has been taken. I am requesting the CFPB 's assistance in enforcing a thorough review to ensure these items are corrected, as they are affecting my credit reputation and potentially my ability to obtain necessary credit and employment. 
Thank you for your assistance in this urgent matter.NQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXX NQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX  XXXXXXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX XXXX XXXX - XXXX INQUIRY - EQUIFAXXXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  - XXXX INQUIRY - EQUIFAX MTG - XXXX INQUIRY - XXXX  XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXXXXXX XXXX - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX  XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: VA

Complaint narrative:
To Whom It May Concern, I am reaching out to report multiple inaccuracies on my credit report that the credit bureaus have failed to correct. These errors include addresses where I have never lived, outdated employment information, and name variations that do not accurately represent me. Furthermore, several inquiries appear on my report without my consent or knowledge. These inaccuracies are not only misleading but also violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verified information. I have contacted the credit bureaus to rectify these issues, but no action has been taken. I am requesting the CFPB 's assistance in enforcing a thorough review to ensure these items are corrected, as they are affecting my credit reputation and potentially my ability to obtain necessary credit and employment. 
Thank you for your assistance in this urgent matter.NQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  - XXXX NQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX  XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX XXXX XXXX - XXXX INQUIRY - XXXX  XXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX XXXX XXXX XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  XXXX - XXXX INQUIRY - XXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One froze my account last year for about XXXX  months. I sign tax papers for my transcript to be review per Capital One Savor credit card. I called customer service and stated if my card was not reactivated I was going to report them to XXXX  and make a post on social media about the poor service and how my account was suspended for XXXX months without probable cause, the same day my account was reactivated. Now, about XXXX months later Capital One Closed my Savor account and decreased my credit limit on my business credit cards from {$6000.00} to {$2000.00} which was/is a GREAT INCONVIENCE DUE TO MY CREDIT TAKING A BIG HIT WITH CLOSED ACCOUNTS AND THE DECREASE IN CREDIT LIMIT FOR ACCOUNTS THAT WERE NEVER LATE OR OVER THE LIMIT. This has cause a great amount of stress on my daily life causing anxiety and not being able to sleep. I respect my credit and also need my credit to aid with making certain purchases for my son to aid his XXXX XXXX which has not been good at all for the last XXXX years due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: LEXISNEXIS
State: TX

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 2024-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I made my first car payment on XX/XX/year> in the amount of {$640.00}. I was charged {$140.00} in interest. This car payment was due on XX/XX/year> and I paid it early on XX/XX/year>. The second payment I made was on XX/XX/year> in the amount of {$640.00}. I was charged {$300.00} in interest. This car payment was due on XX/XX/year> and I paid it on XX/XX/year>. I paid the third car payment on XX/XX/year> in the amount is {$640.00}. The interest taken out of this payment was {$620.00}. This payment was due on XX/XX/year> but was paid XX/XX/year>. However, this XX/XX/year> payment was reversed to interest only because I called after seeing they were charging me interest after seeing I was paying XXXX days early. I spoke with a manager who told me I could not pay early and avoid interest. Per my contract agreement, if I pay early, I can pay less in interest, or avoid it all together if they have not earned the interest. This is an ongoing issue because they had me showing I had made a car payment but only showing it towards principal leaving my car payment still due. I have since called and asked for a correction to the misapplied payments, but they continue advising they will still charge me interest on payments made XXXX  days or more. This is a violation of the contract agreement and I need your help to correct this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I credit card in my name was open at Capital One. I have never set up an account at Capital One either. Charges in the XXXX and XXXX have been made and it came in my email. Over the last week ( XXXX ). I have tried to contact Capital One but I sit in a wait room for awhile and no I can not speak to a person representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I never authorized this account to be open in my name

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
there are hard inquiries on my credit report i did not authorize..sent out dispute letters to all XXXX credit bureaus no thing is being done about it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
XXXX XXXX account # XXXX is inaccurately on my personal XXXX credit bureaus, This is a business Credit Card account and needs to be deleted my personal credit bureaus

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
As a result of a XXXX XXXX, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
As a result of a XXXX XXXX  my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$1700.00} Late Payment XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$510.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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 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 XXXX party. They in fact did not come from a XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 non-monetary relief
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 2024-11-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I am a victim of identity theft and have been struggling for the past XXXX years to remove fraudulent information from my credit reports. While I was outside the U.S., a USAA Savings Bank credit account was fraudulently opened in my name without my authorization. I previously filed a complaint ( No. XXXX ) regarding this issue, which Ive attached for reference. 

USAA Bank assured me that the fraudulent account would be removed from XXXX within XXXX  days, but that deadline is nearly up, and the account is still visible on my report. 

On XX/XX/XXXX, I attempted to dispute this account with XXXX directly, but the dispute was declined. Over the past XXXX years, Ive made multiple phone calls to USAA Bank in XXXX, XXXX, and XXXX. Each time, I was told the account had been removed and that I needed to wait XXXX  days for XXXX to reflect the change. Unfortunately, this has not occurred. 

To provide further context, Ive attached a screenshot of my XXXX report showing the account is still active. 

From my initial call in XXXX until now, I have been waiting not just XXXX  days but over XXXX days for resolution. 

Please address this issue urgently, as it has caused me significant hardship.

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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MI

Complaint narrative:
See below please. 

I want to have my charge card opened up so I can use it if I decide and thats all to continue my payments not based on the credit score now that was XXXX less and letting the other small cards go without payment to keep this Discover afloat. 

Thats what I want.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
It saddens me to say that my rights under federal law are being violated and not respected. The law isn't being respected either, this company has been hindering information on my credit file for quite some time. Congress clearly created the Fair credit reporting act to ensure consumers were being treated equally and fair. The law states under 15U.S.C.1681 section 602A I have the right to privacy. The law also states under 15U.S.C.1681 section 604 ( a ) 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer of to whom it relates. I have never gave any consumer reporting agency permission to furnish anything on my report. I have been a victim of identity theft and in the fair credit reporting act the law clearly states under 15U.S.C. 1681 section 605Ba consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. SEE ATTACHMENTS BELOW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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:
I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX, i listed this address as fraud every account connect to this address should be removed and including debt collector the company XXXXXXXX XXXX XXXXXXXX, all of these claim are part of fraud transactions on my credit report please remove immediately thank you

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 2024-11-19 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:
I have been a loyal Capital One customer for approximately XXXX  years, maintaining several credit cards, a checking account, and a savings account with the institution. Recently, I encountered several issues that have significantly impacted my financial standing and my relationship with Capital One. 

Without my knowledge or consent, Capital One changed the membership of XXXX of my credit cards to a different type. I later discovered that this change was made because Capital One brokers business with XXXX. Concerned about this alteration, I contacted Capital One to request that my card be changed to the XXXX XXXX card. During this conversation, I was informed that in order to obtain the XXXX XXXX card, I would need to reapply. 

Upon reviewing my account, I noticed that I was pre-approved for the XXXX XXXX card and had received hundreds of invitation letters by mail encouraging me to apply. Believing this was an opportunity, I proceeded with the application. However, this application was processed as a hard inquiry, which caused my credit score to decrease from a previously perfect score of XXXX. This drop occurred despite my long-standing positive credit history with Capital One. 

Unfortunately, my application for the XXXX XXXX card was denied. I reached out to Capital One to request a review of this denial, but my request was declined. Seeking further assistance, I asked to be transferred to a manager. During this transfer, the call was unexpectedly disconnected. I called again and was connected to XXXX XXXX. I requested to file a formal complaint, but XXXX informed me that it was not possible to proceed with a complaint and again denied the review of my application denial. 

The application number associated with this issue is XXXX. I am dissatisfied with how Capital One has handled my request to change my credit card, the unauthorized change to my account membership, the negative impact on my credit score due to a forced application, and the lack of support and resolution provided after my application was denied. I seek assistance in resolving these matters and restoring my credit standing. 

XXXX XXXX : XXXX

Company response to consumer: Closed with explanation