vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been a Capital One credit card holder since XXXX. On XX/XX/XXXX, I made a {$3000.00} deposit into my recently opened Capital One 360 Checking account. I was subsequently informed that I would have to go into a Capital One branch or XXXX to complete the identification process. I live in XXXX, NC, and there is no Capital One facility within XXXX miles. Since Capital One is unwilling to open the account, I requested closure of the account and return of my deposit. 

I have called four times and sent a letter and still have no firm answer on when my funds will be returned to me. Since I have had to pull funds from my money market account to make up for this shortfall, I expect both for my original {$3000.00} to be returned, and to receive interest for the time Capital One has withheld my funds from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are accounts on my credit report in pending litigation that should not be there, and despite multiple attempts to get them reviewed and removed, no action has been taken.

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 2024-12-02 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

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. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

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. List all 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 explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been trying to sign into my Experian account for a few days and keep getting message they can't verify my account..I am trying to put a freeze on my account. I am trying to sign up for a new account because my old account has an email address and password that I no longer can access. I have called phone number XXXX to speak to a live person and they keep sending me back to the automated system and it keeps giving me my old information that I can't access. I have waited on the phone for over 30 minutes when they say it's less than a 3 minute wait. Then when they answer they send me back to the automated system that gives me the wrong information once again. Experian is the only credit reporting that is giving me a hard time getting a freeze put on my credit.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am reporting an unauthorized inquiry showing on my report with Transunion, I need the following inquiry to be removed from my credit report as soon as possible, please. 

XXXX XXXXXXXX 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 2024-12-02 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: OH

Complaint narrative:
I recently reviewed a copy of my credit score and notice i had fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

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 2024-12-02 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: MD

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MD

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MD

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: PA

Complaint narrative:
This agency is reporting inaccurate and incomplete information on my credit report. I demand they delete it immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: NJ

Complaint narrative:
Dear CFPB Team, I am writing to seek assistance with a tax reporting matter involving these charged-off accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for which I have not received a Form XXXX. This form is necessary to properly notify the Internal Revenue Service ( IRS ) about the cancellation of debt, as required by federal tax law. The account in question was charged off by XXXX Bank Delaware on approximately XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ; I have made multiple attempts to contact the creditor and request the Form XXXX, which is required for accurate tax reporting. However, to date, they have not provided the form, nor have they indicated when it might be issued. As a taxpayer, I am committed to fulfilling all reporting requirements accurately and timely. The lack of Form XXXX, however, has created uncertainty regarding my tax obligations for the period in question. I am concerned about potential IRS penalties or issues that may arise due to the absence of this documentation. I would appreciate any assistance the CFPB can provide in helping to resolve this matter. If necessary, please feel free to contact me at the information provided above for any additional details. Thank you very much for your attention to this issue. 15 USC 1681 15 USC 1681 s 602 15 USC 1666B ; 15USC 1681b ( 2 ) Never gave written consent to have them reported. Civil Liability for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
On XX/XX/XXXX I was contacted by a representative at Mercedes Benz during this time the representative reviewed my account and made me an offer to make a payment on XX/XX/XXXX so that I would not be considered late she also advised that I will be able to cancel XX/XX/XXXX and XX/XX/XXXX payments and put them at the end of my loan so that my next payment due would be XX/XX/XXXX as I just gave birth and have not been back to work. Although I have not been back to work I have been making all the payments on my loan before the 30 day marker so that it will not negatively impact my credit as such a rough time in my life. During this discussion she agreed and said she would contact me on XX/XX/XXXX to give me an update. I did not receive an update. On XX/XX/XXXX I did in fact make a payment but I did not see the payment reflect my account. I called today XX/XX/XXXX to speak to a manager in regards to why I saw a negative marking on my credit report and as to why my payment has not reflect they alleged that the payment needs time to post. Mercedes Benz Financial only allows me to make credit card payments so it should not be the consumers fault when the payment posts. All my previous credit card payments have posted instantly except for this one. I was told that my payment date would be back dated to the date in which I made the payment on XX/XX/XXXX however they would not be able to update my credit report to correct the misinformation. That is not fair at all and if I made the payment on time my account and credit report should reflect such. Please see attached information from my financial institution confirming the date and time of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received a {$250.00} American Express E-gift card on XX/XX/year>. I soon realized I was unable to use the gift card online OR in stores. I followed the directions on the American Express site for how to use the gift card in person ( by adding the card to my XXXX XXXX  ), but the card was invalid on all attempts. This was the same case for when I entered the information online. I have ensured there were no errors on my end in putting the card information correctly. I have tried calling the customer service number that American Express provides for gift card inquiries a handful of times, but due to the fact that I don't a ) have a bank account with American Express and b ) it was an automated bot I was speaking to that didn't understand what the issue was, this number was useless. When I called a general customer service number with American Express, after an hour of waiting and being put on and off of hold, the agent just hung up on me. These are the only two ways of contacting American Express and both have proved inefficient and useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: DE

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and to formally request that you block and delete the following fraudulent account and unauthorized inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Unauthorized Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Unlawful Reporting of XXXX  Record and Associated Accounts Complainant : XXXX XXXX XXXX XXXX XXXX : Experian Complaint Summary : Experian continues to unlawfully report a XXXX XXXX XXXX ( Filing Number : XXXX, Filed : XX/XX/year> ) and associated accounts on my credit report despite multiple dispute attempts. I provided an affidavit from the court confirming that they do not share information with credit reporting agencies. Experians claim of verifying this information with the original creditor is both false and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

I have already filed a formal complaint with the Federal Trade Commission ( FTC ), Report XXXX XXXX, regarding these violations. Despite three dispute rounds, Experian has failed to meet verification requirements or provide accurate reporting. Their continued inclusion of this information disregards federal regulations and my rights as a consumer.

Resolution Requested : Immediate removal of the XXXX record and all associated accounts. 
Written confirmation of removal within 15 days. 
Attachments : Court affidavit. 
Dispute correspondence. 
FTC complaint ( No. XXXX ). 
Experians actions are unlawful, and I request the CFPB to investigate and enforce compliance. 

Signed : 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 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My account has been frauded for + {$150000.00}. After 1 month bank is denying the claim. I got robbed within the bank, no security has been provided.

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 2024-12-02 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: IL

Complaint narrative:
My information was used to open fraudulent accounts, such as credit cards, loans and collections, XXXX XXXX, Consumer Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, an XXXX collections with XXXX XXXX opened XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX under the account number XXXX, and note loan opened at XXXX XXXX XXXX XX/XX/XXXX that's paid and closed under the account number XXXX, and lastly a XXXX secured loan opened XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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