vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 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: FL

Complaint narrative:
I reached out to the Credit Reporting Agencies and informed them of the issue at hand. I requested an investigation of the matter, but the results of their investigation were inaccurate. I then reached out to my Creditor directly and they then informed and provided me with documents illustrating the correction of the information and informed me that the Credit Reporting Agencies are reporting information inaccurately on my credit report. The 3 major CRA 's continue to report inaccurate information on my credit report despite the knowledge that the information they are reporting are inaccurate. Due to XXXX, XXXX and TransUnion 's negligence, my livelihood has been negatively impacted and the reporting of such negative/incorrect information has wrongfully impacted my ability to obtain credit and has resulted in my denial for credit when applied for. Furthermore XXXX, XXXX and TransUnion are all reporting the same inaccurate information differently on their credit report system and all differs from that of my original Creditor 's. This is a clear violation of my rights, and they are in violation of the law.

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 2023-08-18 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: FL

Complaint narrative:
I reached out to the Credit Reporting Agencies and informed them of the issue at hand. I requested an investigation of the matter, but the results of their investigation were inaccurate. I then reached out to my Creditor directly and they then informed and provided me with documents illustrating the correction of the information and informed me that the Credit Reporting Agencies are reporting information inaccurately on my credit report. The 3 major CRA 's continue to report inaccurate information on my credit report despite the knowledge that the information they are reporting are inaccurate. Due to XXXX, Equifax and XXXX 's negligence, my livelihood has been negatively impacted and the reporting of such negative/incorrect information has wrongfully impacted my ability to obtain credit and has resulted in my denial for credit when applied for. Furthermore XXXX, Equifax and XXXX are all reporting the same inaccurate information differently on their credit report system and all differs from that of my original Creditor 's. This is a clear violation of my rights, and they are in violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I was financially struggling but remaining in communication with Capital 1 in regards to my Capital 1 credit card. I paid off my credit card this summer under the advice of their staff that stated that I would be able to have use of my card after I paid. 

When I paid and called back to have the restriction removed the first person I spoke with said that the account was not closed -Staff name is XXXX XXXX 

The second person I spoke with XXXX ( XXXX ), stated that there was a permanent restriction on my account and that I could reapply for another card. This goes against everything I had been told previously and I feel I was mislead intentionally so that they would get their money back. 

The third person I spoke with ( XXXX XXXX XXXX stated that the account was not closed but restricted. Again I was not sure what this meant given the card could not be used and that reapplying would mean a new injury on my credit which I wanted to avoid. She stated that she would document my compliant but when I asked for a confirmation of the complainant being filed she stated that she was a manager and unable to transfer the call any higher and that there is no formal compliant process which I also asked to be documented that I was upset about she directed me to write a letter to Capital 1 if I wanted to file the compliant with response. she stated that there was a letter which I never received. 

I was financially struggling but still choose to pay back the card company as I am really trying to work on my credit I feel I am being punished for trying to do the right thing. There were times I choose not to buy fruit and vegetables because I wanted to pay back my card company and another time I choose to pay back Capital 1 instead of paying lights. I was dedicated to building my credit and having access to a credit card again as it is the only one I have. I would not have made these extreme sacrifices during my time of need if I had been informed that I would not have access to that card in the future. I was fully under the impression I would be able to use my card again in its full capacity once I paid my restricted account and not one representative that I spoke to while my account was still owed corrected this for me even after conversation with them about using the card responsibility in the future. This is misleading and I was purposely not informed about the account restrictions. 

What I really dislike about this is that they made money off of me being in hardship. I believe I paid more in interest and late fees than I ever spent on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: NY

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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: CA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-18 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: NC

Complaint narrative:
XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like my personal information protected 15 USC Code. 2a Consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged, identityTheft, Not Later than 4 business days after the date receipt. It has been 30 days and they are violation of the law because I am a victim of identityTheft!! PLEASE Delete These item

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 2023-08-18 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: Experian Information Solutions Inc.
State: FL

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 confidentially under 15 U.S.C 1681. I told Experian. XXXX and XXXX to reinvestigate this accounts : Account name : Bankruptcy XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXt # XXXX XXXX However they stated everything was complete and accurate. But how is that possible if the address and dates of last activity and much more is incorrect. According to 15 USC 1681 ( i ) they are suppose to modify account that isn't reporting correctly. 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 instruction. 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 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. I ask them to provide proof the only thing they sent was that all accounts was accurate and updated and verified but never showed or told me how they verified the 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 explanation
Consumer complaint received 2023-08-18 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: NV

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: MO

Complaint narrative:
On this day XXXX XXXX XXXX applications pursuant to an extension of credit in the sums said {$170000.00}, {$130000.00} was submitted to XXXX XXXX XXXX XXXX and denied. We proceeded to ask the finance manager why we were denied, he then replied telling us due to whats in the report showing that we have not had a previous loan in the sums said that compares to what has been applied for and that our income is too low, and we dont have any down payment also could have led us to a denial. We then told him that we are being discriminated against, and that they are violating our consumer right to credit. And that they blatantly ignored all consumer laws that theyre governed by, which are : Equal credit opportunity act was violated, ( TILA ), Federal Reserve Act sec.16 1 & 2 saying that the application w/contract is the collateral security and legal tender, Bill of Exchange Act. Finance manager did not offer to speak with underwriting at anytime on our behalf about the consumer credit transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-08-18 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: NY

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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: FL

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-08-18 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
There were few hard Inquires reported on my credit without my consent, So reporting them to please remove from my file. Thanks.

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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PA

Complaint narrative:
There was a coulple credit cards that were taken out in my name that I did not authorize, I am filing this report to compley with a police report. I have disputed the transactions and was inform by a police officer to get a report is nesscessary. I was told by the officer in the investigation that I need to complete this. I am not certain of all the excat times and dates of transactions but I am aware that I believe that the person who is stealing my identity is my son XXXX XXXX XXXX. Recently checks were also stolen by him and I took measures with the banks to fix that. I have a XXXX XXXX card that was taken out in my name, with a XXXX credit limit. I have not once received the actual card or receive the statements. There is a current balance of XXXX pass due. And also there is a discover credit card that was taken out in my name that I did not authorize. I have put a freeze on my 3 credit departments. Please let me know what else is needed from me. I want to ensure that this does not occur again. I can be contacted by phone at XXXX. 

Thank you. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency
State: LA

Complaint narrative:
Im completely unaware and have NO KNOWLEDGE of all hard inquiries and collections accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: CA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This collection agency is trying to collect on a debt that is not mine. I've asked for documents verifying that in fact this is mine and they have not given me the documents I asked for. I have disputed this with the credit bureaus multiple times but the account still remains on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/23 I opened a checking account with Chase bank. I deposited a check of XXXX and XXXX that was written to myself and my roommate XXXX XXXX. 
The teller took the check had me endorse it and deposited it. A week later I received a letter stating my account was frozen due to a check error and they needed to verify XXXX XXXX, we went to the branch but her ID and social were not accepted as verification. They wanted to verify her number which they could not do in their system. We let chase know she has an account with them with the same phone number and that was not acceptable either. 
With that being said chase closed my account and refuse to cancel or void the check. 
The issuers of the check ( a chase check ) also called the bank to ask them to cancel or void the check since they wrote it and can re issue me one with my name only. 
They also declined the check issuer the right to cancel it as they claim its cashed so it will sit in holding with chase until she is verified endefinitely. Myself or check writer are provided no information where this cashed check is sitting since I no longer hold an account they said with chase. 
Additionally they will not confirm who the teller is who cashed a the check. If the check was not endorsed correctly it should not have to been cashed by them to begin with. 
They cashed an improper endorses check and because they cant verify XXXX XXXX they refuse to cancel, void, or give back the check to the issuer who is XXXX and XXXX XXXX XXXX in XXXX XXXX XXXX owned by XXXX. They are holding thr cashed check to themselves with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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:
According to 15 U.S. Code 1681 ( b ) 2 this is my statement that all of the account inquiries have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These account inquiries are not related to any transactions made by me, the consumer. 

Please remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation