vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 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:
Inquiries are being mis-reported on my credit. There are numerous inquiries that I did not give permission to the bureaus to report on the days that were given. I feel taken advantage of, as the agencies did not do their job to make sure that the information they were reporting to each company was verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I received an email from Capital One Credit card company on XX/XX/XXXX stating that I could check my approval for XXXX of their credit cards with no impact to my credit score.

I have been working really hard to improve my credit score, I pay higher home and auto insurance due to a poor credit score rating. I am unable to be approved to a HELOC loan due to my credit score.

Therefore, I do not allow any company to do a credit check on me because I can not afford to have any Hard inquiries because it will result in my credit score dropping. 

The email dated XX/XX/XXXX has big bold letters stating " See what card offers you might be pre approved for with no impact to your credit score ''.

I was lead to believe by Capital One 's email that there would be no impact to my credit score if I checked my pre approval. Once I gave approval, my credit score dropped by XXXX points. This drop affected my credit rating, my credit went from good back to poor. 

Capital One states in the letter received on XX/XX/XXXX, that there are XXXX types of credit inquiries. No where in the first email dated XX/XX/XXXX does it state that they ( Capital One ) would be doing a hard inquiry. 
Doing a hard inquiry is put in small print somewhere in the disclosure. 

I believe that this practice is 'Deceptive ''. The fact that a hard inquiry which will affect my credit rating should be upfront and big and bold as " Check your pre approval with no impact to your credit ''.

If Capital One is going to do a hard inquiry, that information should be in large print.

I should not have to go searching the email for disclosures that would cause a negative impact to my credit rating.

This deceptive practice should be illegal and Capital One should be held responsible.

Capital One is praying on vulnerable people such as myself.

My pursuit to getting a good credit rating has been sabotaged by Capital One. 
I need my XXXX points back, or I would like to be compensated financially. 

Capital One knows that a hard inquiry has to be conducted to approval someone for a credit card, I don't! Again, that should be stated big and bold in the same email and just as large print as " with no impact to your credit score ''. 


I need my XXXX points back or I should be compensated finically.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: TX

Complaint narrative:
Inquiries are being mis-reported on my credit. There are numerous inquiries that I did not give permission to the bureaus to report on the days that were given. I feel taken advantage of, as the agencies did not do their job to make sure that the information they were reporting to each company was verified.

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 2024-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I checked my credit report and saw personal information that has been reported that I do not recognize.

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 2024-02-05 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: NC

Complaint narrative:
I checked my credit report and saw personal information that has been reported that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
A couple months ago, I transferred 75 % of my net worth to XXXX to take advantage of high interest cash savings and 1 % bonus for bringing equities over from XXXX. 

More than XXXX of my account is in CASH. I do not day-trade, I am a buy and hold investor. Part of my strategy is dollar cost averaging XXXX and withdrawing to self custody. 

On XX/XX/XXXX, I purchased XXXX and began a transfer. The amount was less than the daily withdrawal limit, of which I am very much aware. 

At the time of this incident, I had approximately XXXX in available cash, around XXXX in stock and just shy of {$5000.00} in XXXX 

Now my entire account is restricted. I am unable to withdraw my cash, which I need to be able to access as emergency funds. 

All of my information has been verified. DOB, photo ID, SSN, etc. All of my money is the result of hard work and I have Tax Returns and Bank Account Statements to PROVE IT. 

This is theft, plain and simple. Its an unethical game that they are playing to reduce a clients liquidity and prevent them from withdrawing from their platform. It should be Illegal to hold money hostage without any sort of due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: GA

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2024-02-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C. 1681 section 604 A I t also states a consumer reporting agency can not furnish an account without my written instructions..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NE

Complaint narrative:
I have attempted to reach out to Westlake Financial numerous times but every time that I call they demand another payment. This is after I have sent them two personal checks that they have not applied to the account and Im just about to send out the payoff for the whole account but theyre still saying that they havent received two checks which is complete baloney. Theyve also called me over 12 times in the last week. Theyve called me before from autodialers so I dont even answer the phone if its a number thats not in my contacts. A lot of times theyll double call me too. This is getting beyond ridiculous. I have numerous calls recorded from these autodialers and the numbers they use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management is reporting this account on all credit reports stating the following.

1. In good standing 2. Every other XXXX  the add XXXX XXXX  and state the account is late to report negatively on the reports. 
3. Every other XXXX  they would add XXXX XXXX  and state the account is paid and in good standing. 

And they are also reporting the account in collections owing {$8900.00} opened as of XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was on XXXX got the card started using the card. Next thing you know notice that my money was disappearing I was getting you know never let the the car was letting me know that stuff is going on but I'll call the bank and told them that I wasn't spending any money. At that point I had to freeze my account. Because they wouldn't us XXXX  would not then from there they said they can identify me. My phone got stolen so a lot of things happen but now they now the bank has closed my account but now they can identify me I'm asking for help they tell me to call XXXX XXXX  won't pick up the phone. I need help

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 2024-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
on XX/XX/XXXX, an amount of {$16000.00} was taken from my XXXX  account for a debt that was previously paid for with the help of my attorney with proof of paying a XXXX XXXX XXXX with a settled amount. throughout the years i would get call demanding i pay this debt ( which was paid ) my Attorney followed up every time with proof of payment!!! 

Now years later a XXXX for the collection took place without my knowledge finally to get information after my money was taken that its ifs for another purchase made the same day and is still unsatisfied my attorney sent all documentation and dmv records showing ownership of only 1 motorcycle the collector then said this is fraud. 

Please i am a father to XXXX children and a wife that has taken a emotionally and physical hardship due to this the was one point where our accounts where negative {$230000.00} due to the levy and the state laws my family actually went hungry!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: TX

Complaint narrative:
I been a victim of identity theft this has been a big impact on my credit .... please remove fraudulent 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 non-monetary relief
Consumer complaint received 2024-02-05 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: TX

Complaint narrative:
I been a victim of identity theft this has been a big impact on my credit .... please remove fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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:
Still lying instead of still working on the issue in more like it they are doing nothing AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-05 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: OH

Complaint narrative:
Apon reviewing my consumer report from Equifax consumer reporting agency I noticed there was a Inquiry from a unknown & uwarranted company... I didn't recognize nor request for the C.R.A to place this inquiry on my consumer report. Equifax was not given permission written or verbally from me to place this derogatory Inquiry on consumer report. This inquiry is not attached to any open account and should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: GA

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2024-02-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2024-02-05 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: GA

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile 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 non-monetary relief
Consumer complaint received 2024-02-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.

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 2024-02-05 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: GA

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CVB FINANCIAL CORP.
State: CA

Complaint narrative:
I trust this communication finds you well. I appreciate your prompt response ; however, I noticed that the specific inquiry articulated in my previous correspondence remains unaddressed. 
To reiterate, my initial request sought additional information, particularly elucidation on the legal framework and pertinent regulations supporting the decision to preclude the utilization of my self-created promissory note as legal tender for both the intended loan application and the concurrent establishment of a new account. 
I must insist on a more direct response to the following query : Could you kindly specify the laws and/or regulations underpinning the denial of my request to employ my promissory note as a means of collateral for the loan application and the associated account opening? 
I have presented legal provisions that directly align with the sanctioned use of such instruments, detailing the entities authorized to seek advancements and the corresponding obligations secured by the deposit of the United States for the aforementioned promissory note. 
Therefore, I respectfully request a comprehensive elucidation delineating the legal rationale for the denial of my proposal. Your cooperation in providing the specific laws and regulations invoked in this decision-making process will be instrumental in facilitating a thorough understanding of the basis for such denial. 
Thank you for your attention to this matter. I anticipate a timely and detailed response to ensure an informed discourse on this issue. '' Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: CT

Complaint narrative:
I submitted a dispute to Equifax under the Fair Credit Reporting Act ( FCRA ) due to discrepancies in the reporting of account details. Specifically, I highlighted concerns regarding inconsistent information such as varying last activity dates, payment history, and account status across different credit agencies. Despite Equifax responding to the dispute, my primary concern regarding the accuracy and consistency of reported account details among different credit agencies remains unaddressed. Despite the company verifying a debt from XXXX XXXX, this verification alone falls short of resolving the discrepancies. This lack of resolution contradicts the obligations placed on consumer reporting agencies under Section 611 of the FCRA, which mandates a thorough reinvestigation to ensure both completeness and accuracy in consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
The vehicle was voluntarily repo 'd - They sold the vehicle and they are trying to sue me for what they are saying is still owed. My issue is I was the Co-Signer on the loan. Why is the borrow not listed on the suit as well? The CFPB is already in suit with this particular company for their mishandling of information. Just seems like a fraudulent claim if everyone on the loan isn't being sued.

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 2024-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inquiries are being mis-reported on my credit. There are numerous inquiries that I did not give permission to the bureaus to report on the days that were given. I feel taken advantage of, as the agencies did not do their job to make sure that the information they were reporting to each company was verified.

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