vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I recently pulled my annual credit report to review after applying for new products issued by my bank. 

I discovered that my credit was pulled XXXX different times on XX/XX/ 2023, which resulted in XXXX hard inquiries showing on my report. 

To the best of my knowledge, there was never meant to be that a hard pull taken place while i was exploring the products. I was concerned to learn my report is showing my credit was pulled without my consent. The companies are listed in XXXX as capital one bank USA, XXXX XXXX XXXX, and in XXXX capital one ( bank ), and XXXX  XXXX XXXX ( bank ). They pulled my score under false pretenses using deceptive practices, which is a violation of my rights, as outlined in title 15 of the US Code, chapter 41, subchapter v, 1692e.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I recently pulled my annual credit report to review after applying for new products issued by my bank. 

I discovered that my credit was pulled XXXX different times on XX/XX/2023, which resulted in XXXX hard inquiries showing on my report. 

To the best of my knowledge, there was never meant to be that a hard pull taken place while i was exploring the products. I was concerned to learn my report is showing my credit was pulled without my consent. The companies are listed in XXXX as XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX  ). They pulled my score under false pretenses using deceptive practices, which is a violation of my rights, as outlined in title 15 of the US Code, chapter XXXX, subchapter v, 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 2024-03-27 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: 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 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 2024-03-27 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: OH

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 XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting XXXX XXXX  accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Im begging you plese remove this to 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 2024-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems has been constantly contacting me about a rental debt in the amount of approximately XXXX. I was unaware that that I lost my drivers license, upon the notification of the debt by another application for an apartment I got a replacement drivers license and contacted the police to file a report. I have contacted all credit bureaus involved. I have also come to realize that they are not licensed and bonded in the state of XXXX which is where this has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I recently pulled my annual credit report to review after applying for new products issued by my bank. 

I discovered that my credit was pulled XXXX different times on XX/XX/2023, which resulted in XXXX hard inquiries showing on my report. 

To the best of my knowledge, there was never meant to be that a hard pull taken place while i was exploring the products. I was concerned to learn my report is showing my credit was pulled without my consent. The companies are listed in XXXX as XXXX XXXX XXXX XXXX wf crd svc, and in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). They pulled my score under false pretenses using deceptive practices, which is a violation of my rights, as outlined in title 15 of the US Code, chapter XXXX, subchapter v, 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 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I continue to make payments on all my accounts and had only a few XXXX XXXX XXXX  charges, However with the XXXX raising Rates my Finance Charges sky rocketed to 29 %! I am filing this complaint to seek some relief or I must stop Payments I can no longer afford! It appears that Finance Charges are being included as 'Purchases ', which increases my payment. XXXX and American Express are the main XXXX and refuse to provide any assistance ; American Express " XXXX : XXXX XXXX XXXXXXXX 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 2024-03-27 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: AL

Complaint narrative:
In accordance with the Fair Credit Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 1681 Section 604 and 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 a open end consumer credit plan as a late for any reasons.

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 2024-03-27 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: MA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I purchased a couch from XXXX XXXX XXXX using a store credit card that was approved on the same day in the store, backed by TD Bank. The agreement included a 3-year payment plan with no interest. However, less than a year after I made the purchase, TD Bank ceased doing business with XXXXXXXX XXXXXXXX XXXX, leading to the closure of my credit card account. Despite this, I still have a significant balance with them, and they continue to collect payments. However, due to the closure of my account, I now have an outstanding balance without any available credit. As a result, my credit utilization has increased, negatively impacting my credit score. I believe it would be fair for the account to be frozen rather than closed until the balance is completely paid off, especially considering the circumstances were beyond my control. Why should the customer be affected by the situation between the two companies? 

I seek assistance in resolving this matter and restoring my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
My consumer report has inaccurate information that was not authorized by me to be reported. This is both a breach of my privacy and not 100 % accurate, which is a violation of my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-27 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:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent Inquiries on my report. 
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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-03-27 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: NY

Complaint narrative:
I am writing to follow up on my previous dispute regarding the negative items that persist on my credit report. It is concerning that despite my efforts to challenge these unauthorized negative entries, they continue to adversely impact my credit file.

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 2024-03-27 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: MD

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Coinbase has literally halted all activities on my account and I can not sell or withdraw any of my crypto or sell my coins. I've had a Coinbase account since 2018 and all of my information has been verified/gone through XXXX. 

On XX/XX/XXXX- I made two cash deposits via ACH from my bank. I immediately purchased some cryptos with the cash. Both transaction has been settled and confirmed since XX/XX/XXXX. However, I am getting the below message when I try to sell or withdraw ANY amount : " No coins to sell. You currently don't own any. Try buying some to get started. '' Every time I try to chat with a live agent through the App- they keep disconnecting and claiming I am not there to respond. Previous support ref # : XXXX Order ID XXXX Order ID XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
In XXXX of 2023 I purchased a XXXX XXXX XXXX new and used TD Auto Finance as my lender. The lender and XXXX handled the process on the backend to ensure everything was set up properly. I was approved, paid my down deposit, and was good to go. I set up automatic recurring payments to my bank account to make sure I wouldn't miss a payment and created an account with TD Auto Finance to alert me if anything was amiss. In XXXX of 2023, one of my car payments bounced back. I was never alerted or contacted by TD Auto of this missed payment. No email, no phone calls, and no letters. In XXXX of 2023, I got an alert that my credit report was hit with a delinquent report with TD Auto. I immediately contacted TD Auto and was told that I had missed a payment and they tried to call me but got no answer. I immediately paid in full the amount that I owed. As it turns out, they had the XXXX number for XXXX on my file. I asked if they emailed or sent mail to me which they replied " we took every effort to contact you. '' When I checked my email, they never sent me a single email or letter even though both of those were correct on my file. I contacted their financial department to dispute this case. I included all of the above information and I got a reply from them 30 days later saying that they found nothing wrong and we're not going to change their decision. This is an outrageous abuse of my credit history and TD Auto Finance should do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX uses FICO XXXX  score. Neither XXXX, Transunion, XXXX, nor MyFICO will provide a FICO XXXX  Score. The bank refuses to give me copy of the FICO XXXX score saying it is illegal for them to provide me a copy of this report showing this score. Decisions are being made about my access to credit, while simultaneously being denied access to this very information. Most customer service personnel at this bank or at ANY of the credit bureaus DO NOT even know or understand what " FICO XXXX  '' is.

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