vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I previously had an account with Capital One several years ago. Those accounts were closed years ago. I ended up becoming a victim of identity theft several years back, and then again during the pandemic. I decided to open a savings account with Capital One recently ( applied a few weeks ago ) and I was ultimately denied due to not being able to verify my identity. I was told that I would need to travel to California and visit a branch in order to verify my identity. After that I happened to find out that I still had a freeze in place which I had lifted and then I decided to try to apply again for a checking account with Capital One 2 days ago. I spoke with several people. I ended up talking to a case management type department. I was told that there are several flags on my social security number. I was told that it appears that my social security number was breached. I was told that someone else may have been using my social security number. When I asked how can I find out for sure they stated that they cant provide me with that information. I said if someone else has ever used my social security number with capital one then that is information that I need to know. I asked can you provide me with if there is any differing address or contact info on file that would be different from mine. They stated that they cant provide me with that information. I said are you kidding me? You are telling me that my social may or may not have been breached, that someone else may or may not have used my social security number with capital one .. and you are telling me that you can provide me with no information for me to know for sure they said yes thats correct. They said that I will need to travel to California, provide all my forms of ID along with myself, and then they can provide me with further information. I told them I am going to seek out legal assistance and they just said ok. They seemed to be just fine not providing me any type of information at all about my own social security number. I very very recently filed bankruptcy and was discharged, so I am also going to contact my bankruptcy attorney on it. All I wanted to know is if someone else ever used my social security number with Capital One and they have been refusing to provide me that information. I am not going to travel all the way to California just to find out that information. Its beyond ridiculous and disgusting to put customers through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I Have Been A Victim Of Identity Theft. My Whole XXXX Account Is Not Reporting ..... However, I was not late on XXXX XXXX payment update this account to pay on time never late for inaccuracies in false reporting : Trans Union Open Date. XXXXXXXX XXXX Open Date. XXXXXXXX XXXX XXXX Date.

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 2024-09-17 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: MO

Complaint narrative:
I Have Been A Victim Of Identity Theft. My Whole XXXX Account Is Not Reporting ..... However, I was not late on XXXX XXXX payment update this account to pay on time never late for inaccuracies in false reporting : XXXX XXXX Open Date. XXXX Experian Open Date. XXXX XXXX Open Date.

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 2024-09-17 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: MN

Complaint narrative:
Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX Bank on XX/XX/XXXX under the account number ( XXXX ), XXXX Card on XX/XX/XXXX under the account number ( XXXX ), XXXX on XX/XX/XXXX under the account number ( XXXX ), and an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.

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 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Date : XX/XX/year> XXXX PM MST : An unauthorized transaction occurred, with {$1000.00} withdrawn from our checking account. 

XXXX PM MST : Fraudulent charges were made at XXXX, involving multiple purchases of items under {$1.00} each, with {$100.00} cash back received at the register. 

XXXX PM MST : Additional fraudulent transactions were recorded at XXXX XXXX, similar to the XXXX activitypurchases under {$1.00} each and {$100.00} cash back received. 

Total Amount of Fraudulent Transactions : {$3700.00} We reported these unauthorized charges to Chase immediately upon discovering them in the evening of XX/XX/year>, and filed claims for the fraudulent transactions. Despite following up over the course of five business days, Chase has denied our claims. The denial was based on the assertion that the transactions were authorized due to possession of our PIN. Chase representatives also claimed that a physical card was used during these transactions, despite both debit cards being in our possession. We were informed that Chase requires us to prove that the transactions were not made by us. Additionally, a Chase representative stated that it is not possible to create a physical card using a skimmer device or obtain our PIN through such means. 

We have filed a police report with our local police department and a report with the Federal Trade Commission. Chase has refused to review the security footage from the ATM where the initial fraudulent activity took place, stating that access to the footage would require a subpoena.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have been dealing with equifax for almost 4 years now and they are not fixing the issue. Issue being, I am unable to create an account with them. When I enter information, it says call customer support and mention error code XXXX. I have send mail of my drivers license, social security number, and they said they never received it. I have called about XXXX times ( not exaggerating ). I have done lots of research online with people who have had the same issues, I have tried many solutions and nothing is working. I will mention again, its been 4 years of this. Last complaint, they responded with we cant find a credit line, send in your drivers license and social security number. Which is what I did already. And they never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XXXX XXXX XXXX XXXX I sent validation letters requesting that the improper information be verified that is on my credit report. I got a letter back on all 3 attempts to get this corrected stating that the information had been verified. I asked by who and it was stated the courts. 

I then sent a letter that came from the court stating that the courts do not verify Bankruptcy information. 

PLEASE DELETE THIS ITEM FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: TN

Complaint narrative:
On XXXX XXXX XXXX XXXX I sent validation letters requesting that the improper information be verified that is on my credit report. I got a letter back on all 3 attempts to get this corrected stating that the information had been verified. I asked by who and it was stated the courts. 

I then sent a letter that came from the court stating that the courts do not verify Bankruptcy information. 

PLEASE DELETE THIS ITEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: DISCOVER BANK
State: AZ

Complaint narrative:
I noticed unauthorized inquires on my credit report, I sent emails and certified mail to the credit bureaus and the creditors. It has been more than 30 days and they have failed to respond and or remove the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I noticed unauthorized inquires on my credit report, I sent emails and certified mail to the credit bureaus and the creditors. It has been more than 30 days and they have failed to respond and or remove the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am a XXXX  XXXX and I try to do XXXX  XXXX  on the side a person disguised as a mother who wanted a commission for her son. A few days in, she emailed a check for me to deposit ( I did know not to do that at the time ) and a day later, I have a at the time {$1300.00}, now {$940.00} overdraft fee Ive tried to dispute the claims with no success

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION
State: OR

Complaint narrative:
That is inaccurate 1st advantage said only certain States I must have scope limited of what can be shown, which is false that is illegal only federal charges can be exposed, State charges can not be exposed in the international data base because separate Powers by the states, because each state have its own Constitution, felonies are only to be exposed for 7 years, that's the United States Constitution. They gave me an email to file dispute, then when I contact them on the email, they gave me another a phone number to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive tried contacting this company several times through mail and CFPB and nothing is ever rectified. They say they have done a fool investigation and put the same numbers back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: TX

Complaint narrative:
I have made multiple attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. The presence of these erroneous items has had a severe impact on my life, causing considerable distress. I want to emphasize that I never authorized or consented to this information being associated with my identity, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-09-17 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: U.S. BANCORP
State: FL

Complaint narrative:
I received a hard inquiry from a company who I never heard of and never made any inquiries. Received a letter in the mail and looked up the phone number to see its a common scam 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
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: FC HoldCo LLC
State: FL

Complaint narrative:
INFORMATION is showing on my credit report and i did not business with the company

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
INFORMATION is showing on my credit report and i did not business with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried contacting this company several times through mail and CFPB and nothing gets rectified. They say theyve done a full investigation and change some numbers and put them back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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