vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collection. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: CT

Complaint narrative:
I received a copy of my credit report and noticed some Hard Inquireies that I dont recognize. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: CT

Complaint narrative:
I received a copy of my credit report and noticed some Hard Inquireies that I dont recognize. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I opened a business checking account with Huntington Bank on XX/XX/XXXX. The account was fully opened and all disclosures/ paperwork were signed. I went to make an opening deposit in branch on XX/XX/XXXXXXXX  and was told they could not deposit the funds. They said the account was in the process of closing and gave no further details. The branch manager called the back office and they could not provide information to him either. I opened under a promotion and I qualify according to the fine print. I feel this bank is discriminating as to who they open accounts to and who they don't. Just because they don't want to pay out promotions. Don't run the promos if you don't want people to sign up. Legally I don't think they can deny people for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On Tuesday, XX/XX/, I received an email notification from Experian informing me that my XXXX credit score had been lowered from exceptional to very good. This change was unexpected and concerning, as there have been no recent changes in my financial behavior that would justify such a decrease. I have not taken out new credit, nor have I made any late payments. My credit reports are consistently frozen across all three credit reporting agencies, including Experian, as a precautionary measure. 

In an attempt to understand the reason behind this sudden drop in my score, I contacted Experian 's customer service. Unfortunately, my experience was extremely frustrating and unproductive. The automated phone system put me through a redundant loop of voice prompts, none of which addressed my concerns or led to a live representative. When the prompt asked if I wanted to remove the freeze on my credit file, I declined, as my query was unrelated to the security freeze. Despite repeated attempts to speak with a human representative by saying " representative, '' the system failed to provide any assistance, giving the impression of a deliberately broken system designed to avoid customer interaction. 

This experience has not only caused me undue stress but also raises serious concerns about Experian 's accountability and commitment to customer service. The lack of transparency and inability to contact a representative for an issue as critical as a credit score change is unacceptable.

I am requesting a thorough investigation into the reason behind the decrease in my credit score and an improvement in Experian 's customer service, particularly in providing accessible and efficient support to consumers. Please acknowledge receipt of this complaint and inform me of the steps being taken to address these issues. 

Experian Membership ID # 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 explanation
Consumer complaint received 2024-01-09 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: CA

Complaint narrative:
the following inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: FL

Complaint narrative:
Multiple calls in a row from Hunter Warfield. They also called my job and references from my lease application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-09 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: NJ

Complaint narrative:
Im begging you plese remove this to the 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 explanation
Consumer complaint received 2024-01-09 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: GA

Complaint narrative:
I am in the process purchasing a home. My score was XXXX, I decided to pay off my smaller debts in a attempt to increase my score further. The payment to capital one was delivered late. I reached out to Capital One and notified them of what took place. They informed me that they could waive the late fee. However, I'd have to dispute the status with all 3 bureaus. I disputed the status and credit score did not go back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: SC

Complaint narrative:
I let the company know that Im the registered owner of the securities and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.

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 2024-01-09 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: SC

Complaint narrative:
I let the company know that Im the registered owner of the securities and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK
State: VA

Complaint narrative:
Place name XXXX charge my account I file dispute. First Horizon bank settled the dispute not in my favor. I never use XXXX or any gambling website out of nowhere my account was charged a huge amount of money. This situation caused have me a lot of financial problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX Capital one and XXXX XXXX XXXX XXXX were contacted by mail informing them of my decision to opt out pursuant to 15 USC 6802, 16 CFR 313.7, and the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: CA

Complaint narrative:
The following inquires are fraudulent : XXXX XX/XX/2023 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A new employment background check was done for XXXX XXXX. I found 2 addresses that are incorrect : 1 ) Never lived in AR - XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, AR XXXX. 
2 ) Likely a typo - Lived at XXXX XXXX XXXX. XXXX but never XXXX XXXX XXXX XXXX, XXXX XXXX. 
3 ) Also gap of employment is incorrect Employment ended XX/XX/XXXX, but began XXXX XXXX in XX/XX/XXXX. There is a reason for the gap. 
4 ) Lived at XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX XXXX XXXX from XX/XX/XXXX to present.

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 2024-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
placed a order online for new mobile service in XX/XX/2023, they ran a credit check was approved was going to make monthy payments on a new apple iphone and the calling plan i chose .Had to pay the tax on the total retail cost to get started .Never received the phone which was to be delivered by XXXX signature required for delivery, never saw XXXX or signed for .tracking number was given in which u can obtain proof of delivery, which is a pdf of the signature given when delivered, completely blank.after many many attempts to resolve debt was finally credits on our internet service that i have been a customer of for many years they have mobile service as well.credits for the sales tax paid and additional XXXX dollars for the inconvenience, since then received letter ccs services saying owed XXXX.sent written notice disputing debt got letter back saying debt valid and proof was included which shows a different amount XXXX total amount on a blank sheet that says XXXX XXXX at the top

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: NV

Complaint narrative:
Since XXXX I have submitted disputes via mail with a notarized letter verifying my identity with bank statements, pictures of my identification etc.. I get the same results every month that they can not verify my identity which is causing my to personally suffer with my family to get. They refuse to investigate my disputes which now I am considering pursuing legal actions.

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 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: MS

Complaint narrative:
This process took place in XXXX of XXXX when I paid off such a credit card and requested to have this card closed upon my request. This company has tried some unethical events and stunts in claiming that I am liable and responsible for something that I did not consent to or authorize. I have requested many times for this company to produce such Loan Applications which they have failed to produce. I have requested all rules, regulations, policies, and procedures where I have to consent for this company to get my tax returns. This company called Discover has failed to produce and provide such information. This company has taken my rewards from such program, I was enrolled in which is a breach of any contract such company may wish or want to use or claim. I have all the records to support my act or action for immediate court action into the policies and conduct performed throughout these months. 

The company called Discover Card Services has made many unethical excuses or claims claiming to address issues or problems or other illegal events and tactics when I have disputed such charges as unauthorized and to cease any further business relations with such company due to these unethical events. 

Now since Discover Card Services knows so much now produces all the official and legal records from the attached records submitted in this complaint before the Consumer Financial Protection Bureau and its audience. 

I want ALL OFFICIAL AND LEGAL RECORDS and not just some statement made up to cover and conceal your acts or actions. 

Attached you will find records officially signed off on by people behind such records. Your ( Discover Card Service ) records should be the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
On XX/XX/XXXX I asked about my debit and credit card expiration date then I was told that two cards were sent in XXXX. I responded that I had visited my mailbox but an employee had given me my alleged mail outside the business as an alleged favor because I am XXXX with a XXXX. 

I informed the credit union that I had not changed my mailing or physical address in almost three years since I moved here in XXXX so my address is the same. 

I have repeatedly asked them to resend my new cards after I asked to speak to a supervisor or manager. An alleged supervisor responded without a name indicating for my address and I gave it to them, my mailing address. 

Today on XX/XX/XXXX I asked them again about my debit and credit card to be sent and they advised me that they canceled both cards so we are back to almost a week ago telling me that I needed to check my mailbox. I told them to cancel my two cards and send two new cards to my mailing address as there have been no change in my mailbox address. 

They asked me to call a number if my address has changed, but it has not and I told them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: GA

Complaint narrative:
I have contacted XXXX as well as Equifax on multiple occasions regarding Hard inquires that I was unaware of on my consumer report throughout 2023 when I started to assess my reports due to starting the homebuying process in XX/XX/2023. XXXX and Equifax refused to remove these inquires after being told they were unauthorized and that the companies furnishing this information is not able to give me any deletion letter to provide to the bureaus due to me not having an active account. These companies informed me to reach out to the bureaus to dispute with them directly. Over and over XXXX and Equifax have directed me back to the companies even after me providing the information I was given. I was then informed by XXXX XXXX XXXX XXXX who provided me with a file # XXXX as well as XXXX XXXX in XXXX XXXX and Equifax that I had to file a complaint in order to have the inquires removed. Creditors can not lawfully pull your credit report without your written permission until you indicate a desire to get a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: IN

Complaint narrative:
My XXXX loans have been discharged by the Department of Education via the Borrower Defense. My loans were sold by the Department of Education and is now serviced by XXXX. The original loan was open on XX/XX/XXXX. However XXXX reported to the credit bureau that the loan was opened in XX/XX/XXXX. I have called several times to have the loans removed from my credit. I was told today that it takes a year to remove the loans from my credit report. This is hindering me from making major purchases and getting approved for small things as well. I have uploaded the discharge letter. I feel I am being extorted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: PA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on 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 explanation
Consumer complaint received 2024-01-09 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: CA

Complaint narrative:
I went to my local mortgage broker to see if i qualify for a mortgage, but i found out i had some accounts on my credit that were fraudulent.

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 2024-01-09 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: PA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with explanation