vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: TN

Complaint narrative:
I have not received disclosures of opting out of reporting to the agencies and it is negative impacting my opportunities. I requested to opt out a over a month ago and the transactional history with XXXX XXXX is still reporting to the agencies. They indicated they are not affiliated with them and they have been reporting my nonpublic personal information to a third party.

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 2024-03-25 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: NY

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX of XXXX my account with Capitalone was frozen then closed. From calls I was able to ascertain that this happened because of a wire that was sent to me from XXXX XXXX. My company XXXX XXXX XXXX had been purchasing for the for some years, however in XXXX I allowed the company to become dissolved due to a dispute with a partner. As a result I no longer had access to the business account of XXXX XXXX XXXX but I continued to work with XXXX. They sent their wires in my personal name to my personal account, but for some reason in that transaction in XXXX they attached the old name of my business as well. 

Capitalone then froze the account and despite my calls to them would not speak about the matter citing their investigation into the matter. After several months of waiting, I finally managed to get some information and reference number for the case. They claimed they were waiting for a response from XXXX 's bank. XXXX denied any contact from their bank about this transaction. At this point on XX/XX/XXXX, I sent an email to the investigation unit of Capitalone, providing them documentation that I had formed the XXXX XXXX XXXX XXXX, as they said they were unable to find any evidence that I was affiliated with that business. I never received a response to my email but when I called back 2 weeks later I was informed that they had determined that they would return the funds to that sender. According to their records the money had been returned to the sender as of XX/XX/XXXX. 

To this day XX/XX/XXXX, XXXX has not had that payment returned to them. The amount of money, {$22000.00} is not insubstantial, and I had to take loans to keep my business commitments. But unless this money is released to myself or XXXX, this represents a significant loss that my business can not sustain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
What Happened? 
This complaint is regarding Aldridge Pite Haan , LLP. Hereafter referred to as APH, LLP. APH, LLP is attempting to collect a debt. In which they say I, XXXX XXXX XXXX XXXX XXXX owe APH, LLP and XXXX XXXX XXXX a total amount of {$5200.00}. On XX/XX/2024 I, XXXX XXXX XXXX wrote a letter, sent via certified mail in response to the notice received via mail to my home address from APH, LLP on XX/XX/2024 requesting me to validate the debt thats owed and to provide them with a response by XX/XX/2024, and I did. I, XXXX XXXX XXXX requested APH, LLP to provide me with competent evidence bearing my wet signature, showing that I, XXXX XXXX XXXX have or ever had a contractual agreement with APH, LLP, and their client XXXX XXXX XXXX as an obligation to pay their client. This is not sufficient and compliant of federal laws under the Fair Credit Reporting Act in the corresponding local state laws. I never received a response as of today XX/XX/2024. 
On XX/XX/2024, APH, LLP and their Client XXXX XXXXXXXX XXXX violated my consumers rights FDCPA ( Section 807-8 ), FCRA ( Section 623-b ), Negligent Enablement of Identity Fraud, Defamation of Character and my 14th Amendment Rights violating the Due Process Clause which provides that no state may deprive any person of life, liberty, or property, without due process of law. The 14th Amendments Due Process Clause guarantees procedural due process, meaning that government actors must follow certain procedures before they may deprive a person of a protected life, liberty, or property interest. APH, LLP and their client XXXX XXXX XXXX utilized unfair deceptive illegally practices by garnishing my XXXX XXXX XXXX XXXX Accounts without any formal or legal notice prior to their requested response deadline, XX/XX/XXXX to disputes these allegations in which I did via certified letter. 
Furthermore, I, XXXX XXXX XXXX never XXXXeceived a response to the certified letter I sent which they received on XX/XX/2024 nor a notice from the XXXX XXXX XXXX or Law Firm prior to XX/XX/XXXX. APH, LLP and their client XXXX XXXX XXXX filed a lawsuit against me with the XXXX XXXX XXXX XXXX XXXX : XXXX ) via e-Filing a misleading Affidavit for Financial Garnishment on XX/XX/2024. 
Once again, my rights were violated. I, XXXX XXXX XXXX was made aware of this information ( the Lawsuit-Case ) while routinely checking my bank account on XX/XX/2024 and noticed that my current balance in my accts were at a XXXX balance. I then called customer service to inquire about why my accounts are showing a XXXX balance and the representative shared that a judgement of wage garnishment was issued on my account from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-25 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: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
AMERICAN EXPRESS HAS VIOLATED MY RIGHTS YET AGAIN AS I WAS TOLD TO RE-APPLY FOR THE CARDS THAT I CHOSE TO BE ISSUED. I ASKED TO SPEAK WITH THE RECONSIDERATION LINE NUMEROUS TIME AND TO NO AVAIL. WHEN I SPOKE TO A " MANAGER '' AND TOLD THEM HOW AND WHEN MY RIGHTS WERE VIOLATED IN THE APPLICATION PROCES AS I AM THE ONE LENDING CREDIT AND I COME WITH CLEAN HANDS AND IN GOOD FAITH. ANY CONSUMER TRANSACTION CAN NOT BE DENIED DUE TO CREDIT SCORE, INCOME, OR CREDIT HISTORY PURSUANT TO 15 USC 1691 & 12 CFR 1002.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Regional Management Corporation
State: MO

Complaint narrative:
I spoke with a customer service representative and asked could they delete the late payment reporting status if I paid the account in full. The customer service representative said yes. I paid the account in full. Regional finance is still reporting the account in late status on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

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 2024-03-25 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: SC

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Someone opened a Capital One credit card in my name without my consent, billing address was to somewhere out of state, the purchases made were blatant suspicious activity. Capital One won't provide requested documentation to dispute fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE UPDATE LATE PAYMENT TO PAID ON TIME OR AS AGREED 

15 USC 1666B see attached document

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE UPDATE LATE PAYMENT TO PAID ON TIME OR AS AGREED 

15 USC 1666B see attached document

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Around XX/XX/year>, myself along with XXXX other people who also banked with Wellsfargo gave a XXXX deposit to XXXX XXXX XXXX XXXX for a group trip to XXXX. In the contract it stated that deposits were non-refundable not non transferable nowhere in the contract. Due to non foreseen circumstances I was unable to go on the trip and contacted the travel representative to see if I could use the deposit towards another trip with the same travel agency. I re-read the contract and nowhere in the contract did it state that deposits were non transferable. The representative 's supervisor wrote back in an email stating that as per the terms and conditions the deposit is non refundable and non transferable. The contract never stated non transferable anywhere, only non refundable which made the contract void and null. I contacted Wellsfargo and and filed a dispute to get my deposit back, and so did the other XXXX people who were going on the trip. They all got their money back permanently due to the contract not stating that the deposit was non transferable, and they all banked with Wellsfargo. Provisionally Wellsfargo returned the XXXX deposit, and then a few weeks later took it back stating that services were rendered in which they were not. The deposit was given early XXXX and the trip got cancelled in XXXX, the trip was scheduled for XX/XX/year> in which more than enough due notice was given. I provided them with the proof and they still refused to return my money, when I called they were rude, unprofessional, and belligerent. Yet, the XXXX other people who banked with Wellsfargo was able to get their money returned based on the same evidence I provided. Wellsfargo has a reputation of being unethical and discriminatory, and I am requesting a resolution to this issue as it is unfair and makes no sense. I have contacted Wellsfargo numerous times and it's still the unprofessional belligerent responses. I am hoping that this will get the matter resolved. I provided ample evidence proving that non transferable was never in the contract and that the representative emailed the part about deposits being non refundable and non transferable making the contract null and void.

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 2024-03-25 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: CA

Complaint narrative:
In XXXX XXXX XXXX there was a fraudulent XXXX XXXX account opened without authorization. The identity thief had access to my personal information, mail and banking information. They opened up several accounts in my name while I was working and traveling abroad. Unbeknownst to me these accounts were open and active for well over a year. 

When I contacted XXXX XXXX to let them know these accounts were not authorized by me and that I was a victim of identity theft that scoffed at the notion and refused to remove the accounts. I have spoken with their fraud department on several occasions including in XXXX XXXX XXXX. Yet despite police reports on my credit profile and a police report I sent directly to XXXX XXXX they refuse to delete the account.

Currently because of the fraudulent account I can not conduct business nor obtain a new home because the account is severely damaging my credit standing. I ask that the account be deleted and my credit corrected expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX XXXX XXXX there was a fraudulent XXXX XXXX account opened without authorization. The identity thief had access to my personal information, mail and banking information. They opened up several accounts in my name while I was working and traveling abroad. Unbeknownst to me these accounts were open and active for well over a year.

When I contacted XXXX XXXX to let them know these accounts were not authorized by me and that I was a victim of identity theft that scoffed at the notion and refused to remove the accounts. I have spoken with their fraud department on several occasions including in XXXX XXXX XXXX. Yet despite police reports on my credit profile and a police report I sent directly to XXXX XXXX they refuse to delete the account.

Currently because of the fraudulent account I can not conduct business nor obtain a new home because the account is severely damaging my credit standing. I ask that the account be deleted and my credit corrected expeditiously.

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