vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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: DE

Complaint narrative:
I received a letter about applying for a Capital One credit card. It asked for more information.

I did not start this process.

I called Capital One and gave them the application Id and my name and asked them to stop the process.

They would not help me until I gave them my date of birth and last 4 of social security number. 

Since I do not want to do business with Capital One, I do not want to provide them with my personal information.

They would not help me at all without my personal information. This seems to be very wrong.

I spoke with a supervisor, who reiterated that without my date of birth and last 4 of social security number they could do nothing. 

Since I did not start this application, how could I know what data the person who did supplied. And if what I supplied did not match, then they would not help me. 

I have the letter they sent to my house, with my name and their application ID, how is that not sufficient for them to stop the process? 

Supplying them with my personal data would seem to open me up to more fraud - not less.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TX

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-03-20 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: OH

Complaint narrative:
Please remove Late payment! ( Account info down below ) TransUnion Report! 
Account # / XXXX Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX/ {$5000.00} Payment status / 30 days late By law info must be reported 100 % accurate across all 3 Bureaus. All Information should be 100 % accurate across ALL 3 BUREAUS or is legally supposed to be removed. I demand late payment status on TransUnion to be removed and reported as paid on time. Account has inaccuracies, across ALL 3 BUREAUS. Including Transunion has the late payment, and XXXX and XXXX shows Paid On Time. Which is inaccurate, Status should say Paid On Time across all 3 bureaus. And TransUnion it doesnt, so please update TransUnion status to Paid On Time and remove late payment status. I demand the late payment to be removed immediately, and Update XXXX To Paid On XXXX. Thanks Ive attached documents Filing a complaint with XXXX XXXX XXXXXXXX XXXX XXXX ) as well.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-03-20 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: MI

Complaint narrative:
I am writing to formally dispute an inquiry that appears on my credit report, which I believe is unauthorized. I have no recollection of authorizing this inquiry or engaging in any business or financial transactions with those listed creditors. Those inquiry is inaccurate and is negatively impacting my credit score.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Ally financial sent my account to a third party to collect. I settled with the third party and made my payments. I reached out to Ally financial to update the amount shown on credit report to reflect negative balance. They refuse to talk to me and send me to third party. The third party said they have sent them the information to show I paid but they refuse to update the information on the 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 2024-03-20 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: CORELOGIC INC
State: GA

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.

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 2024-03-20 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: WI

Complaint narrative:
I am writing to follow up on my previous complaint regarding the disputed inquiries on my credit report. Despite clearly stating in my initial complaint that this inquiry is unverified and unauthorized, I am disappointed to note that it still persists on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting this creditor has violated my rights under 15us1681 section 602 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: IL

Complaint narrative:
I opened a debit account with Albert on XX/XX/XXXX. I never deposited any money to the account, they provided me a debit card. I subsequently found out they charge {$14.00} monthly and wanted to close my account. I requested to close the account multiple times on XX/XX/XXXX. The company is refusing to close my account. They keep telling me to withdraw funds, however I never deposited any funds. I repeatedly explained this, spoke to an account specialist and they are still refusing to close my account. They are telling me to withdraw my funds and repay my balance to close the account. They are refusing to close this account and continually are telling me to withdraw funds. I never deposited funds, so I really need this account closed and they arent resolving my issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I am receiving e-mail payment reminders and all my notifications are off, I do not want a payment reminder notification going to e-mail.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX collections for {$90.00} and a another one for {$390.00} no full account number no original creditor 15 U.S.C, 1681section 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 an 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 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 2024-03-20 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: MS

Complaint narrative:
The following inquiries were not authorized by me : 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. I have no knowledge of these inquiries. Someone has stolen my identity Accounts Affected by the Crime Fraudulent Auto Loan or Lease Company or Organization : There are multiple inquiries on my credit report XX/XX/XXXX XX/XX/XXXX {$0.00} Date fraud began : Date that I discovered it : Total fraudulent amount : Fraudulent Information on Credit Reports Credit Inquiries XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: MS

Complaint narrative:
The following inquiries were not authorized by me 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. I have no knowledge of these inquiries. Someone has stolen my identity Accounts Affected by the Crime Fraudulent Auto Loan or Lease Company or Organization : There are multiple inquiries on my credit report XX/XX/XXXX XX/XX/XXXX {$0.00} Date fraud began : Date that I discovered it : Total fraudulent amount : Fraudulent Information on Credit Reports Credit Inquiries XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2024-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/year> I mailed a Distribution Form to close out XXXX IRA account to American Express National Bank in XXXX XXXX XXXX, Ut. On XX/XX/year> resubmitted form to this bank as a request request with no resolve. Last week called and spoke to customer service rep and she indicated this would be handled in 2-3 days with no results. I feel company has had ample enough time to get this process with no expediting. This should have been resolve within a 2 week period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: IL

Complaint narrative:
FCRA 605B stipulates the necessity of removing any incorrect accounts from my credit report. Could you please double-check the documents? Some of the listed accounts exhibit inaccuracies in their reporting.

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 2024-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase, decided to close my account due to fraud. I have money in my savings about XXXX and XXXX dollars in my checking. They decided to keep the money for disputes and not send me my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: Chime Financial Inc
State: GA

Complaint narrative:
These are all fraud and I did not authorize any transactions by this company ; whom I never disclosed my information and voice call to. I shall not be responsible for paying debt listed as this is error. Per FCRA all unverified and Fraudulent removedCHIMEFIN/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX XXXX XXXX Monthly XXXX Date of Last Reported Update Balance Amount Amountt Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of XXXXt Delinquency Date of Last Activity Date XXXX XXXX. XXXX Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXX {$24.00} XX/XX/XXXX {$160.00} XX/XX/XXXX Status - Pays As Agreed ; Type of Account - Open ; Type of Loan - Secured Credit Card ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Secured Credit Card ; Fixed Rat

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TX

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: CA

Complaint narrative:
hello, I called Transunion multiple times, and I filed a complaint through CFPB but unfortunately not all the issues have been resolved. there were multiple names under my account, and I told them they should just leave my name and still shows another person names on my account. There were multiple Hard inquires on my account, which none of them belong to me and they should remove all the hard inquires on my account for last 24 months. there were multiple credit cards were opened, which none of them belongs to me and I did not open any new credit cards. Theres also car payment under my name which doesnt belong to me and they did not remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am urgently appealing for the removal of this mistaken late payment from my account. My consistent track record of timely payments contradicts this entry, which is causing me unnecessary worry and distress.

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 2024-03-20 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Charge-Off Information on Credit Report Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to ensure the information in my credit file is fair, accurate, and complete.

Upon reviewing my credit report, I discovered an item indicating a charge-off by XXXX XXXX XXXX XXXX on XX/XX/XXXX The specific details of this entry are as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount of Charge-Off : {$39000.00} Account Status : Charged-Off I believe this information is inaccurate for the following reasons : 1. I have no knowledge of the account.

I request that you conduct a thorough investigation into this matter, as the FCRA requires. During this investigation, please verify the accuracy of the reported charge-off and provide me with any documentation supporting its validity.

Furthermore, if you can not verify the accuracy of this information, I demand that you promptly remove the charge-off from my credit report per the FCRA. 

Please notify me of the results of your investigation in writing within 30 days, as stipulated by law. 

Enclosed are copies of relevant documents supporting my dispute, including [ list any supporting documents you are including, such as payment records or correspondence with the creditor ]. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the resolution of my dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XX/XX/year>, Transunion deleted my XXXX XXXX account information from my credit report and refuses to put it back on. Transunion is in violation of fair credit reporting act. I request that Transunion reports my XXXX XXXX account that was deleted in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief