vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I recently ran XXXX XXXX to check on status of my information. It had status of " Hard Inquiry '' on the account with Capital One. 
When I looked at information I have not had any contact with Capital One CAPITAL ONE XXXX CAPITAL ONE XXXX, VA XXXX for years, at one time maybe 15 plus years ago I had a credit card with Capital One however since than it was added into my bankruptcy. This should not be still showing up on my credit. I tried calling the number for Capital One XXXX they had listed to talk to personell however they just kept asking for my credit card number and I have no credit card from them nor have for years. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have unknown account that needs to be removed from my credit report. Please refer to attachment for details. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
I got a update that my credit had changed due to some someone checking my credit resulting in multiple inquiries. These are not mine inquiries and I don't have any credit from these inquiries. Please remove these FRAUDULENT ACCOUNTS. I have reached out and mailed certified letters and proof to the listed credit reporting agencies multiple times. They have failed to provide me any PROOF or a wet signature that these transactions were mine. I have NO knowledge of any of these accounts. 

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I petition into CFPB to solve and to give for me to be fair before COURT I petition CFPB to give my complaint into FEDERAL COURT solve for me 1/ I paid into USPS by checking account and credit from the Bank OF AMERICA , but all my mail Certified Mail were theft to did not delivery serve service 2/ I contact into the Bank OF US for disputed all act theft from USPS and compensation for me But the Bank OF AMERICAN to did not Dear Sir/Madam People pay for USPS from the bank OF AMERICAN, and The Bank OF AMERICA to be my account, But I request disputed and compensation by act theft from USPS lead into my case at Supreme Court OF US denied , But The bank OF AMERICA did not solve disputed all for me include to did not solve compensation for me from USPS theft my mail certified before Supreme Court OF US and CONGRESS Follow law people to pay serve service for me direct from the Bank OF AMERICA, all company to should responsibility before the BANK OF AMERICA and the Bank OF AMERICA to should responsibility with me, because the bank OF AMERICA took my money from my checking account every money

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am attaching relevant information regarding the agency. This is NOT a duplicate report, as they gave a " canned '' answer to the last filing, saying they did not have specific information despite it being provided dozens of times. Trans Union continues to report a " XXXX XXXX '' account despite it clearly being fraudulent.

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 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: PA

Complaint narrative:
I closed my Keybank account on XX/XX/XXXX. To my surprise, my credit report through XXXX XXXX shows that the account remained opened until XX/XX/XXXX. The report shows that it was overdrawn 2 times on XX/XX/XXXX & XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SG and Associates
State: TN

Complaint narrative:
On XX/XX/2023, a female phoned me stating they were with a company name XXXX XXXX XXXX, phone number XXXX, where they confirming that a complaint was filed by me and I should have recieved a notice by mail I stated I do not know of mailing from such name company, at which time female talker insist that i provide personal information to verify my identiy. Thus I told her that this a scam and I am not willing to provide any information, as they have not provided to me what is the nature of this complaint in any details, thus I hung up phone, Later a close relative stated they were given a call asking about my whereabouts in order to obtain information, this person ask how does this involve me, their response was they were a reference, to which my relative response share they have no knowledge of, as well I do not have knowledge of giving information of them as a reference from a unidentified source

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 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I went to my bank 's USAA - ATM which is an off site ATM to make a deposit on XX/XX/2023 at XXXX TERM ID XXXX. The check amount was {$560.00}, coming from my wife 's bank account, which I have made in the past numerous times but NOT at that ATM location. The location address is XXXX XXXX XXXX XXXX, XXXX XXXX, TX. 
When I would make a deposit with the same check from same bank in the past but at my normal off site ATM off of XXXX and XXXX XXXX, the ATM system would made the funds available the same or next business day. This other ATM had in issue reading the amount of the check since it gave me a message " Unable to read the check amount, please enter the amount '', so I did on the key board. When it did not give me the funds available, online it showed funds being held 5 business days. Monday when i called my bank, rep said it deemed the check possible unpayable? My wife called her bank on Monday, they verified the check was cashed that day. Why is USAA holding on funds received and still waiting for this POSSIBLE UNPAYABLE check, when it already paid. I think the ATM program is off, since it could not read the amount on the check, and entered a code for a bad check in error. I needed the funds to pay for RX, and my livelihood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These creditors are in direct violation of my consumer rights and it's AFFECTING my character as I ambeing violated. Please remove these unknown items listed in this report ASAP or I will be force to pursueother options. According to 15 US Code 1681B I didn't give any permission to anyone or approval for mycredit to be assainated the way it's being attacked. This information isn't fair or accurate, in addition pleasedelete and remove permanently the address and inquires that is also in violation ADDRESS XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX. THISINFO IS ALSO INACCURATE & UNFAIR ACCORDING TO 15 US CODE 1681B. INQUIRY XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XXXX ) Credit Card Opened by the Thief Company or Organization : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, 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:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant 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 non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I closed my XXXX XXXX account on XX/XX/2023. My Early Warning report shows incorrect information for items that were returned. The amounts that were returned were trial deposits from an external bank. There are other inaccuracies as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX a scammer open a Bank of America account in my name. Said scammer then got for people to XXXX to that account. Lastly, scammer withdraw {$450.00} from a Bank of America ATM, within XXXX day. 

Bank of America did not verify the person 's identity, and allowed for the immediate withdrawal of the money from a Bank of America ATM.

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 monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
On XX/XX/2023, I applied in good faith for a 2023 XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. The vehicle is shown here XXXX XXXX XXXX. Despite my consumer report having no derogatory accounts, the dealership discriminated against me and consequently, so did ALLY FINANCIAL. On XX/XX/2023, XXXX XXXX XXXX, known also as XXXX XXXX Washington, submitted my application to ALLY FINANCIAL and stated that ALLY FINANCIAL 'S response was that of Adverse Action, despite my right to initiate the consumer credit transaction. On XX/XX/2023, I called ALLY FINANCIAL requesting why was I denied. According to the representative, " possibly '' due to my credit score. This is a violation of federal law and is congruent with the act of discrimination. There are no federal laws that states a credit score can influence the denial of my right to extend credit. 
I have reason to believe and do so believe that ALLY FINANCIAL may have discriminated against me. The dealership encouraged that I place a large down payment on the application to influence their decision, however, I'm well aware that pursuant to 15 USC 1605, a downpayment is unlawful and must be included within the finance charge.

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 2023-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WA

Complaint narrative:
As of XX/XX/XXXX, my student loans were completely paid off. During XX/XX/XXXX I was experiencing financial struggles so I decided to request a refund for all the payments I made on my student loan after XXXX a total of {$3100.00}. Upon this request that I made over the phone they told me since I've made all my payments through direct deposit I would get a refund within 3-5 business days to the same bank account. 5 months later XX/XX/XXXX I have not received a direct deposit nor a check in the mail. I have not been contacted by Ed Financials about this issue. I've called many times to resolve this situation. Three months ago I request that they cancel this refund, at this point, I no longer need this money. Since the first day of my request, a balance of {$3100.00} has been shown in my account. Student repayment begins in XXXX and if this issue is not resolved by then I am focused to pay new interest on my balance. This situation is very frustrating because this loan provider never gave me any documentation about this transaction, no confirmation, and no detail on the timeline. I'm left with a lot of unanswered questions and a new debt to clear without warning. If I had known that there would be possibly any issues with requesting my refund I would have never made the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, 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:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

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 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
A Chase credit card was opened in my name fraudulently on XX/XX/2023. I received a bill in the mail for {$95.00}. I thought this card was an existing Chase account as I have several and paid the annual fee sometime in XX/XX/2023 I believe. Upon paying the bill, the following day I went in to check an existing account and noticed over {$1000.00} in charges were made to the card. I called chase to tell them I did not make these purchases and the issue with paying the annual fee. 

I have gone through XXXX thorough investigations, both resulting in Chase telling me I am responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
These creditors are in direct violation of my consumer rights and it's AFFECTING my character as I ambeing violated. Please remove these unknown items listed in this report ASAP or I will be force to pursueother options. According to 15 US Code 1681B I didn't give any permission to anyone or approval for mycredit to be assainated the way it's being attacked. This information isn't fair or accurate, in addition pleasedelete and remove permanently the address and inquires that is also in violation ADDRESS XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. THISINFO IS ALSO INACCURATE & UNFAIR ACCORDING TO 15 US CODE 1681B. INQUIRY XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : 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