vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have on my credit reports a XXXX XXXX, Ive never went by any other name than XXXX XXXX XXXX. I have been checking my credit reports and didnt know that i could have a false name removed off my account until now that i got woke. So for years this XXXX XXXX person has been on my account oblivious. To have it removed. I don't even know a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act of 1974 I the consumer have the right to privacy of my nonpublic information. My financial history with Capital One is not public information and therefore should be restricted from being available to XXXX. 

Per the Securities Exchange Act of 1934 once the securities are deposited and the certificate of indebtedness is given, any balance of XXXX or more should be credited to I the consumer pursuant to the XXXX and XXXX form submitted on behalf of Capital One with the SEC they agreed the trustee would carry out this duty. I have not received my check and this account can not be charged off when the balance due is owed to I the consumer. 

Per Capital One terms and conditions they agreed to not share my information with non-affiliates of their business. XXXX is not a known affiliate of Capital One. 

Furthermore, reporting this account as such could be considered securities fraud since my social security number was used when using this credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer I have a right to privacy. My financial history with Capital One should be private. 

Per the terms and conditions of Capital One it is noted they agreed not to share my information with non-affiliates. XXXX is not an affiliate of Capital One. 

Per the SEC filing of Capital One it is agreed upon they would not commit securities fraud when handling transaction of consumers. Any certificate of indebtedness with a balance of {$1.00} o more the balance is credited to the consumer. Reporting this account as a charge is a violation of the oath Capital One agreed to under the Securities Exchage Act of 1934. I have not received my check for the credit amount of this account. 

Capital One and XXXX or both in violation of the Fair Credit Reporting by knowingly furnishing this information as negative and reporting my financial history. 

Capital One is in violation of the Fair Debt Collection Practice Act as they continue to collect an amount not owed and Under the International Bill of Exchange and Promissory Act my signature created the promissory note that Capital One transfer agent securitized. To gain and not give fair exchange is a violation of my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: IL

Complaint narrative:
In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX , has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 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 168c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing and of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 U.S.C. 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: KS

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under several U.S. Codes 15 U.S.C 1681 Section 602 A. States I have the right to my privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions 31 U.S. Code 3123 - States I as an Original Creditor, and consumer don't owe debt, Payment of obligations and interest on the " public debt ''. The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under several U.S. Codes 15 U.S.C 1681 Section 602 A. States I have the right to my privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions 31 U.S. Code 3123 - States I as an Original Creditor, and consumer don't owe debt, Payment of obligations and interest on the " public debt ''. The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.

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 2023-06-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Reason : Account is closed I am writing to lodge a complaint regarding the deceptive reporting of a closed account by XXXX and Equifax on my credit report. The closed account in question is with XXXX XXXX, with the account number XXXX. 

It has come to my attention that both XXXX and Equifax are inaccurately reporting the closed account as open, which is adversely affecting my credit score and overall creditworthiness. This deceptive reporting misrepresents the true status of my account and poses significant challenges when seeking new credit or negotiating favorable terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: CO

Complaint narrative:
Chase Bank allowed a {$2100.00} levy against my savings account without any knowledge to me at all. I'm allowed 20 days to dispute it and allowed a court hearing. I also should have been exempt by law since my only income is state XXXX. Even after the agency that illegally took all my savings admitted they made a mistake I still never saw my XXXX dollars again. Chase said they couldn't recover the money because it's already in someone else 's account. That's a lie. They took it out of my Chase account and put it into someone else 's Chase account. Odd how they can take money from my account but they can't take it out of there account when we have the same bank. I totally feel absolutely discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB, I am writing to address the unresolved disputes on my consumer report and request a prompt resolution in accordance with the Fair Credit Reporting Act ( FCRA ). By the way, I'm in my bedroom on my laptop, writing this out, which is causing unnecessary time and effort to this issue. 

Despite providing all necessary documentation and following the proper procedures, Experian has failed to conduct a thorough investigation, provide a timely response, and remove the disputed items from my credit report. They did not conduct any investigation and no updates as has been made I sent certified mail on XX/XX/2023. Experian acknowledged receiving documents on XX/XX/2023. I have the tracking number ( XXXX ) and a copy of their signature from USPS Experian accepting the items in question, as well as personal information and supporting documents. 

I urge Experian to take immediate action to rectify this matter to avoid any court intervention. 

The FCRA mandates that credit bureaus conduct a reasonable investigation and provide a written resolution within 30 days of receiving a dispute. 

However, it has been well beyond the required timeframe, and I have not received any substantial response or resolution from Experian. This failure to comply with the FCRA 's guidelines not only undermines the integrity of the dispute resolution process but also negatively impacts my financial well-being. 

Given the credit bureau 's noncompliance with the FCRA and the extended period of time that has passed, I assert that the disputed items should be promptly removed from my credit report along with updated personal information. 

The absence of a timely response and resolution demonstrates a failure on the part of Experian to fulfill its obligations and protect my rights as a consumer. 

Thank you CFPB

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
I hold a co-branded credit card issued by First National Bank of Omaha through XXXX 's guest rewards program. At XXXX EST on XX/XX/2023, I received an e-mail from First National Bank of Omaha from the e-mail address " XXXX ''. This e-mail for a statement contained personally identifiable information about another FNBO cardholder, a XXXX XXXX XXXX. It also included details about XXXX XXXX account, and financial details including the current outstanding account balance, minimum payment amount, and required payment date. At approximately XXXX on XX/XX/2023, I called FNBO at the number on the back of my Credit Card and notified them of the security incident and was assured that my information was being passed to the banks security team and would investigated. While I waited on hold with FNBO, their Phone System played a per-recorded message that my privacy was their top priority. I guess the irony is lost on FNBO. At approximately XXXX on XX/XX/2023, I received another e-mail, again from " XXXX ''. This statement contained similar information for another FNBO cardholder, this time for a XXXX XXXX XXXX. Both statements also appeared to be for other cardholders which held XXXX guest rewards co-branded credit cards. I called FNBO once again, to report this second security incident. I requested to speak to a supervisor, and the supervisor again took down the details of the incident and stated that this information would be passed to the security team. The representative was unable to provide me with any internal case number or reference to check on the status of my request, nor would they provide me with any timeline for when someone from the bank would be able to follow up with me or provide me an answer regarding these two security incidents. You can find attached copies of these messages, including header information. These communications have since been deleted from my inbox and local copies removed in the interest of these individuals 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 explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX EQUIFAX XXXX, STILL BLOCK ME FROM REVIEWING MY CREDIT REPORT FROM FREE ANNUAL CREDIT REPORT. It never fails if I look at one report like XXXX I will not be allowed to access my credit report that the three credit agencies block me from such as XXXX AND EQUIFAX. I am having to pay for services to see whats falsely being reported. To know and find the organization to realize had I intentionally meant to be late I would not fight this as hard as I am. I am getting ready to turn the XXXX XXXXXXXX and fico over to my attorney XXXX man should not fight this hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this Complaint to bring to TransUnion 's immediate attention a serious discrepancy in the information that they have reported on my credit profile. It has come to my attention that TransUnion is currently reporting DELETED accounts and information from other credit bureaus. I must remind TransUnion that as per the Fair Credit Reporting Act ( FCRA ), it is paramount that the information TransUnion report is 100 % accurate. Therefore, I demand that TransUnion IMMEDIATELY REMOVE these account from my credit report as soon as possible : TRANSUNION : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1300.00}. It is evident that there has been a grave oversight on the part of TransUnion Credit Bureau. The fact that TransUnion are still reporting an accounts that has been deleted by other bureaus suggests a blatant violation of the FCRA regulations. I can not stress enough the importance of maintaining accurate and up-to-date credit information, as it directly affects my financial well-being. It is TransUnion 's legal obligation to ensure that the information TransUnion report is accurate, complete, and free from errors. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is TransUnion 's responsibility to conduct a thorough investigation into the matter at hand.

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 2023-06-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brennan & Clark, Ltd., LLC
State: FL

Complaint narrative:
This company has repeatedly contacted me for a debt that is the incorrect amount. I have repeatedly requested information from them and informed them that I have information proving the debt is not that amount they have used unprofessional, illegal tactics and emails one email in the very same day stated that I would have five days to pay. Once I stated that I was going to file a complaint for them not following the proper procedures. They sent me an email letting me know that I needed to pay immediately now, which is an intimidation, threats and very much illegal Never once did they request my information or my side for my records based on the reviews on their website and XXXX these are the same tactics that they use they try to identify themselves as a legal team in phone calls previously that Ive had with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Due to OR XXXX notice of statewide hack of personal information, first attempted credit freeze with XXXX, XXXX, XXXX on XX/XX/2023. All three reports showed an inquiry from Capital One on XX/XX/2023. After applying credit freeze, contacted XXXX which assured me it was " a 'soft inquiry ' that most likely, nothing would come of it ''. 
On Saturday XX/XX/2023 received a congratulatory letter from CapitalOne on a successful application, with a spending limit and ended with " Thanks for choosing Capital One ''. Upon opening that letter, called Capital One and explained I did NOT apply for the credit card ; the phone representative stated he could not help closing the account but that I would have to wait and call back on Monday, XX/XX/XXXX. 
Promptly called Monday morning and was met with two representatives, the second of whom was authorized to begin the fraud report. However, even though it was explained repeatedly that I DID NOT apply for the card nor did I want to keep the account open, XXXX began questioning, " oh, you didn't apply for this credit card? '' ( NO, I did NOT ) " Are you SURE you didn't apply for this card? '' ( YES I'm sure, I did NOT apply for this ) " Could anyone else you know (? ) have applied for this card FOR you? '' ( NO, there is not ) 'You don't want to keep this account? '' ( NO, I did NOT apply, nor do I WANT it ) Agent XXXX relented and initiated a fraud alert through CapitalOne Credit on account ending # XXXX on XX/XX/2023 at XXXX PT. According to XXXX, the fraud investigator might call with further questions and it would take 60-90 days to close the account. 
Later in the day, the card itself showed up in the mail; please see attached files. 
I have also followed up with the credit report companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: FL

Complaint narrative:
I recently disputed the accounts/ information listed below to XXXX and Transunion reporting agencies notifying that the information was inaccurate and violating my rights according to the Fair Credit Reporting Act. I have not been provided proof of debt for example a copy of a contract stating I have an obligation to these companies that are reporting my information without my consent. On XX/XX/2023 Transunion has responded stating the information was verified and XX/XX/2023 XXXX responded stating the information was verified. Verification was never in question, the validity of these debts/obligation/ alleged applications are in questionable. I have notified both companies that XXXX XXXX XXXX does not have any proof that I owe this alleged debt so I am demanding a description of XXXX 's and Transunion 's investigation procedures as well as the documentation used during the investigation according to FCRA 611 ( a ) ( 7 ). I have requested documentation from XXXX XXXX XXXX and was given a computer generated document. 15 U.S. 1681a ( 2 ) ( A ) ( ii ) states communication of that information among persons related by common ownership or affiliated by corporate control is excluded from my credit report. 
Also, XXXX XXXX, XXXX, and XXXX XXXX are reporting alleged hard inquiries and I have disputed these with Transunion and they are still reporting on my consumer report. I am requesting the documentation used to validate this information as well. Please be advise this is my final attempt to resolve this issue before entering a arbitration case against Transunion and XXXX to resolve this urgent matter. I have included a copy of XXXX XXXX XXXX response as well as Transunion 's response.

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 2023-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Porsche Financial Services, Inc.
State: PA

Complaint narrative:
I had a car threw Porsche Financial. I did a valuntary repossession with it>. The car was sold. It has been XXXX  yrs which makes the account go under statute of limitations. I went to Porsche and ask them could they remove this inquiry off my account and they told me that I have to go to the 3 credit bureau to get it. off. The bureaus told me I have to go to Porsche. So where do I go. Its been XXXX  yrs and this should be off my report. Mr resent credit update came back and its reading like Im still paying on the car and that I am in good standings. How can that be when I gave the car up XXXXyrs ago. Can you please take this item off of my credit report. First you are reporting that I am in good standings and then you are reporting that I am still paying on a car that I dont have. 

XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation