vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: AL

Complaint narrative:
" 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I called XXXX ( institution where car was purchased ) and requested the extended warranty be cancelled since I had never used it. The total value of the warranty was 2 more years at {$820.00} which I requested to be applied to my ALLY account as a payment. XXXX then sent the funds over to ALLY the same day and they were in fact applied as a payment on XX/XX/XXXX for the monthly installment date of XX/XX/XXXX, which covered the payment for the month of XXXX. 

The website showed the next payment was due XX/XX/XXXX in the amount of {$140.00}. I checked my account as recently as Saturday XXXX XXXX2024 and the money transferred from XXXX was still applied as a monthly payment. ALLY decided more than 2 weeks from XXXX XXXX,2024 to then decide to reallocate the funds and remove it as a car payment and only apply it to reduce the total amount of the loan, however everytime I make a monthly payment it reduces the amount of the loan. 

They decided to once again use predatory lending practices to try and put my account into default so they can repossess my vehicle. This has been an ongoing issue and I am not the only ALLY customer who is experiencing these predatory lending practices but I may be one of the few who actually screenshot every payment and always screenshot the status of my account due to my XXXX and distrust of the company. They stated they will file an application to reallocate the funds but I dont believe them ( case # XXXX ). 

They still have YET to review the call from my previous complaint dated XXXX XXXX2024. They keep telling me a supervisor will reach out in the hopes that I forget about it but I wont and hope someone will intervene on my behalf as a consumer. They are violating my consumer rights and using predatory lending with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX  XX/XX/year>2024 XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX  XX/XX/year>2024 XXXX XXXX XXXX  XX/XX/year>2024 XXXX XXXX XXXX  XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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 did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-11-21 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 did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/scrub>/2024 XXXX XXXX attempted to pull my credit report from Experian, but were denied access to it. When my name and date of birth were entered into the system by XXXX XXXX they immediately received a Code # XXXX from Experian stating that my score of XXXX was available but they could not supply them with a credit report and suggested that they deny me credit and that is exactly what occurred. When I attempted to reach out to Experian, they have removed the chat feature from their online website and they have also changed the way they accept calls. Experian no longer allows you to speak to a representative to try and handle issues, your only choices are to remove credit freeze/security alert or order your report or score. When you ask for a representative the automated response states that they are not able to get you to a rep and they the call automatically disconnects ( I tried this 5 times ).

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 2024-11-21 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: NJ

Complaint narrative:
I reviewed my Equifax credit report and found inquiries that are not mine. Please see attached proof for the found inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wellsfargo charges overdraft fees from 3 days prior. They save fees for charge on the next day so they can charge more than 3 fees. Defeats their claim of only charging 3 fees per day. I made sure my available balance was positive before time they required to avoid fees and took a screenshot of it still being charged the next. I called them and asked they said only one courtesy per year. I filed a complaint.

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 2024-11-21 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: MI

Complaint narrative:
An account can not be " written off '' ( considered uncollectible and closed ) and " opened '' at the same time ; these terms represent completely opposite states of an account, meaning once an account is written off, it is considered closed and can not be actively used for new transactions. When an account is written off, it means the lender no longer expects to collect the outstanding debt on that account and removes it from their active books, essentially closing it. According to 15 U.S.C. ( the Consumer Credit Protection Act ), while an account can technically be " written off '' in the sense that a creditor may decide to stop actively pursuing collection efforts on a debt deemed uncollectible, a creditor generally can not simply open a new credit account for a consumer with a previously written-off debt without disclosing the past debt history and obtaining the consumer 's consent ; this is due to the disclosure requirements under the Fair Credit Reporting Act ( FCRA ) which is part of 15 U.S.C. The credit file indicates incorrect last payment date indicated within the credit file. Payment dates are incorrect shows it was charged off then opened in paid in XX/XX/scrub> 2024 for account ( XXXX ). Last payment date appears incorrect on the credit file indicates XXXX different last payment dates ( for account XXXX ). The account also indicates the account was charged off and then opened in XX/XX/year>2024. I request Experian remove both accounts with XXXX  company are removed from the credit file for all of the inaccuracies highlighted within this dispute letter. Thank you

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 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a checking account on XXXX XXXX,2024 in response to a XXXX ad offering a {$250.00} bonus for changing my SSA retirement direct deposit to Capital One. 
I requested that SSA change my direct deposit from XXXX XXXX to Capital One and the first direct deposit was made XXXX XXXX2024 and the second on XXXX XXXX2024. 
I did not receive the {$250.00} bonus as promised and I called on XX/XX//24 and spoke with their representative XXXX and a manager XXXX. I was told the second direct deposit was made 11 days after the 75th day after opening allowed for XXXX deposits. I did not feel I should be penalized for the delay from the SSA and a case was opened Case # XXXX. I called again on XXXX/XXXX/24 and was told I would not receive the bonus because my direct deposit wasn't received in time. At my request a new case was opened Case # XXXX. 
I think their ad was misleading and meant to entice XXXX seniors such as myself to move direct deposits to their bank knowing that it can take longer for the SSA to process changes to a direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXXDate Opened : XX/XX/XXXX Balance Owed : {$30000.00} Chargeoff- JXXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$19000.00} Chargeoff- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} Chargeoff- XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$6300.00} Chargeoff- XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$17000.00} Chargeoff- XXXX XXXXXXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : $ XXXXChargeoff- XXXX XXXX  XXXXDate Opened : XX/XX/XXXX Balance Owed : {$5700.00} Chargeoff- XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed XXXX {$0.00} Late/Closed- XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXDate Opened:XXXX Balance Owed : {$8600.00} Collection-

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 2024-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have filed an FTC identity theft report ( XXXX ) I am writing yet again to dispute the sharing of my personal information in regards to acct # XXXX with XXXX XXXX XXXX, a collection agency, which violates both your stated Privacy Policy and the Privacy Act of 1974 ( 5 U.S.C. 552a ). Based on Capital Ones  policy, XXXX does not qualify as an affiliate, business partner, marketing partner, or service provider, nor does it fit any of the specified contexts under which Capital One is authorized to share customer information. 
Capital One NA sold my personal information including my social security number to XXXX XXXX XXXX. I did not give Capital One NA consent to share my personal information with non-affiliates, which XXXX XXXX XXXX or any of XXXX parent companies or subsidiaries. I have tried to dispute this on my credit report since I have never done business with XXXX and do not understand why they have my personal information. This is when I learned that Capital One has sold my information to XXXX and now XXXX states they have the right to collect on this previously charged off acct. Capital One did not have my consent to provide XXXX any of my information so this is considered fraud! FTC identity theft report ( XXXX ) Capital Ones Privacy Policy explicitly outlines the contexts in which customer information may be shared, including : Affiliates : XXXX is not part of the Capital One family of companies. 
Business or Marketing Partners : XXXX does not provide products, services, or marketing efforts for XXXX XXXX customers. 
Service Providers : There is no indication that XXXX performs any business operations on your behalf. 
Other Third Parties : I did not provide consent or authorization for my information to be shared with XXXX 
Credit Bureaus and Government Entities : XXXX does not fall into these categories. 
The Privacy Act of 1974 is meant to protect personal information from being shared without proper authorization. By sharing my data with XXXXa company I have no relationship withCapital One appears to have violated both its own Privacy Policy and federal law. 
I request a full investigation into this matter and a written explanation detailing : The specific provision in your Privacy Policy or the Privacy Act that authorizes the sharing of my information with XXXX 
Any records of my consent or authorization for this disclosure. 
I expect this account to be deleted from my report Immediately in 4 business days as stated in FCRA 605B ( 15 U.S.C. 1681c-2 ) in regard to identity theft! 
I have attached proof of identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-21 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: MA

Complaint narrative:
I am 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 three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: HW Holding, Inc
State: TN

Complaint narrative:
Please delete these items IMMEDIATELY!

These Accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. code 1681b-Permissible purpose of a consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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