vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: IL

Complaint narrative:
I am a victim of trafficking and unauthorized credit violations. The information listed below, which appears on my credit report, is the result of that trafficking activity please remove immediately. 

XXXXXXXX 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 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 2024-10-03 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: IL

Complaint narrative:
I am a victim of trafficking and unauthorized credit violations. The information listed below, which appears on my credit report, is the result of that trafficking activity please remove immediately. 

XXXXXXXX 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 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 explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
We deposited a check in large amount to Chase Bank of a XXXX company, XXXX, XXXX  on XXXX XXXX. The check was cleared by XXXXXXXX XXXXk and bank confirmed that the check was paid at XXXX on XXXX XXXX. Chase was holding the payment intentionally till XXXX XXXX which is unethical, unprofessional, and unwarranted. I made frequent request but they said it is their policy. We are living in XXXX XXXX. The bank could confirm with another bank in a fraction of minutes whether the check is a Bona fide or not. 

This is really hurting small businesses. We have payments to be made to our vendors. Domestically/Intentionally. Holding payment w/o any reason should not be legal and is not appreciated. 

We had the same exp. with XXXX XXXX earlier of this year. 
I strongly believe the banks have found another way of making money consumers fund by delaying availability of funds. As we all know XXXX XXXX was caught earlier and fined by XXXX Govt. I believe this is their new propaganda. 

Hope you will investigate this and do needful for the benefits of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/year> I placed an order for jewelry for {$3900.00} from XXXX  XXXX XXXX in XXXX, Colorado. Jewelry was delivered and has been in my possession for weeks. 
Made a card payment for {$3000.00} on XX/XX/year> so I would not go over balance and made another payment of {$1600.00} on XX/XX/year> which was the ENTIRE balance at the time. 
Got a text last night from Capital One that I was over my credit limit. First they told me that XXXX  XXXX XXXX has a HOLD on the funds. I contacted XXXX  XXXX XXXX who confirmed they do not and never did. Then Capital One tried to tell me the transaction hasn't posted yet. 
I want my credit balance restored and the over limit fee reversed. NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have informed both credit bureaus and Barclays about reporting inaccurate information. The information provided by Barclays is not what shows on my credit report, therefore violating my rights. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

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 2024-10-03 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: CA

Complaint narrative:
To whom it may concern : I am reaching out to you because I'm concerned about the accuracy and honesty of your company 's data. According to FCRA section 611, it's essential that our records are accurate and up-to-date, which includes both customers and potential lenders or employers. After doing some research into Metro 2 compliance standards, I've found that there may be some inaccuracies in your reporting if these issues are not promptly resolved. Would love any feedback possible before taking any legal action against you.My credit report is a representation of my financial standing, and I take pride in keeping it up-to-date. With that said, you have the responsibility to keep my credit profile and report accurate and authentic. Therefore, I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate and never had any verification or compliance with reporting laws. So now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact on my quality of life. The data on my credit report is of high importance, but it's currently not a representation of who I am financially because it's inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Personal Information for Equifax NAME : XXXX XXXX XXXX XXXX - My name is XXXX XXXX. Please remove any name you have in your system that does not match XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX- XXXX would appreciate it if you could take care of any address that may be listed incorrectly in your database. My actual address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. If you have anything in your system that is different from what I have just mentioned then delete them immediately. 

SEE PDF ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: NV

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-03 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: MO

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC

Complaint narrative:
My wife and I sold a XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX on the XXXX of XXXX. Nissan Motor Acceptance Company received and deposited a check in the amount of {$46000.00} on XX/XX/XXXX. We spoke with XXXX ID number XXXX at NMAC on XX/XX/XXXX at around XXXX to report excessive robo-call warnings of my account being delinquent. He stated they would investigate to determine where the money had been applied but this process would take XXXX days for resolution. We requested notes be made on the account verifying NMAC had received and deposited the payoff check. We further stated this was an internal issue with NMAC misapplying funds. 
I am currently forward XXXX, in XXXX, XXXX. Today I was informed that an account on my credit report had been flagged for being 30 days delinquent, which jeopardizes my XXXX XXXX XXXX XXXX. I immediately called NMAC to report this issue. After being passed around to 6 CSRs, and being on the phone for 1 hour and 45min the call was disconnected, with no resolution and no subsequent call back. The last thing I was told was that it would take 30 days for NMAC to investigate my complaint, even though I informed of the significant adverse impact it might have on my career status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: AR

Complaint narrative:
During the last half of 2023 I had to have both of my XXXX XXXX  and lost my job. I started the process of applying for assistance/hardship from XXXX XXXX. This has been the most frustrating thing I have ever dealt with in my life. They told me I had to be 2 months delinquent in order to apply for the assistance. I was trying to be proactive but they were telling me I had to be delinquent. For the next several months XXXX XXXX asked for various information, I would provide what was requested and then they would change what information they needed or they " lost '' the information I sent in. I have these incidents documented. After almost a year I was finally able to get into the hardship program to help by adding a month of my mortgage on to the end of the pay off amount. I have now made two adjusted payments as instructed but they keep reporting me as delinquent so my credit score has been absolutely destroyed by this. It is all but impossible to speak to an actual person on the phone, they are the worst company I have ever dealt with and I wish so badly I was in a position to have another company purchase my mortgage. I am so upset right now having just gotten off the phone with them that I am missing some things but that is the gist of it.

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 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi bank closed my account you will see in the attached pic. also the account was up to date and was on autopay. back on XX/XX/year> i send them as the agent of the XXXX XXXX notice of claim to intrest as an order to pay with explicit instructions.Also attached was the coupon/bill of exchange that was properly filled out per ucc 3-204. Also again I did send out another notice to claim XXXX to cure 2 attempt along with the coupon/bill of exchange again with explicit orders. They closed an account that was on autopay and was current. Citi bank states that they dont accept that form of payment, that is untrue and most accept that form or payment. Also they refer to advances of funds and obligations to repay are to a PERSON I am not a person. They send a bill with an XXXX XXXX  ' name attached to it and expect me the man to pay that i fraud 18 usc 1342 another example of them commiting fraud is 18 usc 1025, Citi bank needs to be aware that per 18 usc 8 obligations of the united states , also 31 usc 3123, and ucc3-603 tender of payment.What i was asking for was fair and falls within the laws Citi bank has broken their fiduciary duties and has breach of contract. They disregard the Federal Reserve Act section 16 ( 1 ) and ( 2 ) and also section 29 ( a ) ( b ) ( c ) Tier.

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 2024-10-03 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am rewriting to formally refile a complaint against MIDLAND CREDIT MANAGEMENT regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my MIDLAND CREDIT MANAGEMENT credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting MIDLAND CREDIT MANAGEMENT directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report XXXX. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my MIDLAND CREDIT MANAGEMENT credit report. Additionally, I seek written confirmation from MIDLAND CREDIT MANAGEMENT once these accounts have been corrected. I also ask the CFPB to investigate MIDLAND CREDIT MANAGEMENT handling of my dispute and its adherence to FCRA and CFPB rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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 previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: CA

Complaint narrative:
This company called me, didn't identify themselves until XXXX, refused to tell me why they were calling in any way ( after asking me identifying information ) ; I was then promptlyinformed that I owed almost XXXX to their client and how Iwas going to pay that. I had to pry what the bill was inregards to out of the representative, which was for aXXXX XXXX in a city called XXXX, Ca ; I also had to ask hermultiple times the name of the city, because she wasspeaking incredibly fast and not being clear. I eventuallypointed out that not only had I never been to that city, Ihad n't been to the region in over 30 years, I hadn't taken anXXXX XXXX and I wasn't even in the United Stateswhen I was supposedly taking this ride. The woman askedfor my birthdate, then informed me she had the wrongnumber and hung up. Looking through their XXXX reviews, I found a number of complaints mentioning the exact same scenario. It seems like they are either making upbills to collect on, or just XXXX and harassing peoplebased on the first search results of the name. Please dosomething about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
This morning, I noticed unauthorized inquiries on my credit report for no apparent reason. I routinely check my report, but today there were unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but nothing changed. The inquiries remained. I need this issue resolved immediately and ask that the documents Ive provided be reviewed thoroughly to prevent future worries. I am extremely frustrated and need a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD bank the issuer of Nordstrom Credit card XXXX, closed my account based on information that was on my credit report that was a result of XXXX XXXX. Which violates the 605C FCRA law. When I informed them of this violation that dismissed me and did not resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I finally trusted Venmo and had my entire paycheck direct deposited into the acct today. All day I've tried access my funds so I can pay bills, get gas and buy food my children. They denied every transaction when I have about {$1500.00} almost that was direct deposited. I started calling, chatting online and emailing at XXXXXXXX XXXX  est with no results, then at XXXX i received they froze my account. I can not reach anyone that will help me, every one tells me they cant help it is a different department but will not put me in contact with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I'm now requesting you investiage and provide verifiable proof with records showing that I had late payments. If this information can't be verified I demand that the payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation