vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
It has to my attention that CAPITAL ONE is updating and verifying inaccurate account information that was disputed through the consumer reporting agencies. Specifically, XXXX. CAPITAL ONE has modified the account numerous times but did not correct the errors I have been disputing. 

The account with CAPITAL ONE is reporting from the CRAs inaccurately. These errors include misreported late payments that are formatted inaccurately in the payment history section of the account in my consumer report. 

I request an investigation into this matter per 15 USC 1681s-2 ( 8 ). There are late payments in this account that are the same and triplicated currently reported as 60-days late item notations subsequently. Another late payment reports as a 120 days late item notation and digresses to a 90 days late item notation. These are just some of the inaccuracies. There is also a payment that I made on this account that is not being reported. 

This account is both inaccurate and incomplete and the Fair Credit Reporting Act prohibits incomplete, inaccurate, and unverifiable information from being reported to consumer reporting agencies. 

Pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: PA

Complaint narrative:
its fruade they are not my accounts please help

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 2024-05-18 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/24 i went to a XXXX dealership to lease a new vehicle and i was surprised with XXXX different hard inquiries on my credit report from banks i never authorize to get a copy of my credit.

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 2024-05-18 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/24 i went to a XXXX dealership to lease a new vehicle and i was surprised with XXXX different hard inquiries on my credit report from banks i never authorize to get a copy of my credit.

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm writing to challenge the bankruptcy listed on my credit report. I have a letter from the court stating that this bankruptcy should not be reported. Also, the involvement of an unauthorized third party makes this situation even more ridiculous and worrying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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:
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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: 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. 

These Accounts include, ( XXXX XXXX partial account number # XXXX... 
balance of {$910.00}. 
Address ID : XXXX XXXX XXXX XXXX XXXX XXXX account number # XXXX Balance of {$200.00} accrued during XXXX. Paid off. Want removed. 

XXXXXXXX XXXX XXXX  XXXX Account Number # XXXX .... 
Balance of {$1900.00} Written Off. Balance Accumulated during XXXX. Being XXXX led to late payments and closure. 

XXXX XXXXXXXX XXXX Partial Account Number # XXXX .... 
This account is scheduled to continue until the year XXXX. Listed as closed and never late payment although there is a balance of {$2200.00} Would like for all or some above to be removed to better ensure the privacy of my information and credit ) which has has violated my rights. 

15 U.S.C. 1681 Section 502 A mentions 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 mentions no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes which antedates the report by seven years or more.

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! 

My criminal report started with the legal system wrongly framing me for a charge I did not commit in the county of XXXX XXXX XXXX XXXX which put me in the system where I later was in fact in trouble due to living situations after first initial charge. I will attach the hard inquires that have impacted my privacy and Credit as well that I would like condensed to one inquiry or removed as a whole.

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 2024-05-18 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: MO

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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX, XX/XX/XXXX, I received an email from XXXX stating that my XXXX XXXX membership was successful. I never subscribed to XXXX XXXX. With some research, I understand that Chase, my credit card bank, allowed this. From what I have read from a consumer advocate, apparently there is a deal between the two and its in the very fine print. 

The XXXX phone numbers out there are either no longer in service or they direct you to the XXXX site. The XXXX site directions are not mirrored on their web site, so they are useless. I did fill out a general comment box, and with some effort got this cancelled and my first monthly charge of {$9.00} credited. 

This was not a new card application, it was getting a new cc number for security purposes. Isnt it ironic that Chase gives me a new account number to protect myself and then in six months they take advantage of me by signing me up for a monthly service and allowing XXXX to charge my credit card without my consent. 

It shouldnt matter if the account is new or existinghow can it be that this is okay? Its certainly not ethical. Should be illegal. How many customers arent even aware this is happening to them?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MS

Complaint narrative:
After having a *verified* account for nearly a year, 3 minutes ( literally ) after adding cash from my debit card and buying ~ {$45.00} in XXXX, a restriction was placed on my account. Since XX/XX/XXXX, I've been unable to sell or withdraw my XXXX, despite their help section saying I can withdraw at any time. I message daily asking for them to release my XXXX and close the account, but they keep telling me to continue using Cash app, I need to verify my identity. # 1, My account has been verified since opening and # 2 I don't wish to continue using Cash app any longer. Last night I was told I didn't need to verify with my ID again, only link my bank. After getting an error while trying to link the bank and reaching out to " support '' I'm again told I need to verify my identity. So much hypocrisy here, they closed my mother 's account for " gambling '' despite being a devout XXXX who refuses to gamble. They allowed her to withdraw her XXXX and money without verification. I openly tell them I was gambling, but they refuse to treat me the same. Repeatedly requested a XXXX, but none have reached out to date. I just want my little XXXX back and they can close the account for good. But they refuse. Worst customer service ever, by far.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtis & Associates Debt Collection Agency has continued harassing me for the last year or so. I received letters to my address and old address, phone calls daily, and they now have affected my credit score and I have no knowledge of this company. Even if these accusations were true, debt has been paid in FULL. This company is relentless and ruthless. They might as well be knocking on my front door because they will not QUIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is for my Amazon Store Card. It is managed by Synchrony Bank. I have entered into a CONTRACT with Synchrony to pay a FIXED AMOUNT of {$27.00} per month until paid in full. Per the website and what I agreed to ... .. '' Your account is now enrolled in our Customer Assistance Plan. As a part of this payment plan, if your account is not already closed it will be permanently closed. Upon enrollment and for the duration of the payment plan, Synchrony Bank will reduce your APR to 0 %. '' I was erroneously and CONTRARY to this CONTRACT charged {$200.00} in interest on XX/XX/2024 and I was charged {$140.00} in interest on XX/XX/2024. I have asked via direct message on the website to correct this error. The response given said that I needed to call in. I will not call this company. To protect my rights I shall only deal in writing. This company has a penchant for saying one thing and doing another. This is yet another example.

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: WA

Complaint narrative:
Recently it has been brought to my attention that Discover is claiming that I owe them {$150.00}, an amount which is entirely made up of bogus fees, charges, and supposed interest on a balance that does not exist. They claim I have missed payments, when the reality is, it never occured to me that I would be making payments, since the balance on the account should be {$0.00}. 

Here are the facts, so far : On XX/XX/year> I opened a new credit account with XXXX XXXX XXXXXXXX, and included a balance transfer request as part of that application. My Discover balance at the time was {$5300.00}. XXXX would only accept a full dollar amount for the balance transfer request, so that would leave the Discover balance at XXXX cents. 

The balance transfer was processed by XXXX on XX/XX/year>. Pre-existing auto-payments to XXXX & XXXX XXXX XXXX Discover card added {$21.00} in new charges to that account, bringing the balance to {$21.00}. I applied a {$10.00} cashback to that balance, leaving a final balance of {$10.00}, which was paid off on XX/XX/year>. 

Instead, we have a case of Discover choosing not to process the balance transfer for several days after it cleared the XXXX  account, charging me a bogus late fee for " missing '' a payment that I didn't miss and then adding interest charge on a balance that no longer exists. Discover has no way to dispute this type of bogus charges on their website, and attempts to reach them by phone are ridiculous, as is the case with any corporate phone center system, unfortunately. I would like to believe this entire situation is a mere bookkeeping error on their part, as opposed to deliberate malfeasance, but of course the additional result of this nightmare is that my credit rating has dropped by over XXXX points in the course of a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am writing to express my serious concerns regarding the handling and distribution of my personal information by XXXX, XXXX, and XXXX, in conjunction with Wells Fargo and XXXX. My complaint is grounded in the obligations set forth by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( 4 ), which underscores the necessity for consumer reporting agencies to operate with fairness, impartiality, and a profound respect for consumer privacy. ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

It has come to my attention that my personal and financial data has been shared without my explicit consent, in direct violation of the principles outlined in 15 U.S.C. 6801. This section clearly states that financial institutions hold a continuous responsibility to uphold their customers privacy and the confidentiality of their nonpublic personal information. Given that Wells Fargo and XXXX operates as a financial institution within the interpretation of this statute, they, alongside the consumer reporting agencies, are required to adhere to these guidelines. 

Further to this, 15 U.S.C. 1681b sets forth the permissible circumstances under which my consumer report XXXX be furnished. It is explicitly stated that consumer reports can only be distributed in adherence to the written instructions of the consumer to whom it relates. I have not provided such permissionin written or any other formto XXXX, XXXX, XXXX, or Wells Fargo and XXXX. Accordingly, I hereby revoke any presumed consent for the distribution of my information, irrespective of its form. 

Additionally, 15 U.S.C. 1681a ( 5 ) forbids consumer reporting agencies from disclosing adverse information older than seven years, further ensuring the protection of consumer rights to privacy. My complaint also highlights a failure in complying with 15 U.S.C. 6802 ( b ) ( c ), which mandates that a financial institution must inform consumers of their right to opt out of nonpublic personal information disclosure. Wells Fargo and XXXX has notably failed to provide such information, denying me the opportunity to exercise my nondisclosure rights. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt-out of your reporting services effectively immediately. I insist on a prompt review and rectification of these issues, aligning with the stipulations and the spirit of the Fair Credit Reporting Act and related statutes concerning consumer rights and privacy.

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 2024-05-18 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: PA

Complaint narrative:
Hello recently Equifax updated 3 accounts on my credit report with incorrect information. The date of major delinquency was updated on tradelines for XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX as XX/XX/XXXX which caused my score to drop over XXXX points. The date of major delinquency on these accounts should reflect when those accounts were first charged off. Updating them to XX/XX/XXXX gives the impression I am delinquent once again which is not the case. I submitted a dispute with this information on XX/XX/XXXX in which it did not fix the issues. The case number with Equifax is XXXX. I spoke also to a supervisor explaining the issue in which he promised it would be investigated and corrected. This is a known issue with Equifax that is completely on their end that needs to be fixed. 

I am not asking to update the dates of first delinquency reported. I am asking to update the date of major delinquency which is reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: IL

Complaint narrative:
According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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:
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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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