vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: UPGRADE, INC.
State: AL

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have several accounts at Citizens. On XX/XX/XXXX, a payroll check was deposited for my daughter in her bank account at an ATM, along with my payroll check in my own account. My daughter works for our company and I also have business accounts at Citizens Bank where our payroll checks are drawn from. My daughters account has been opened since XX/XX/year>2024. Payroll checks have been deposited through the same ATM at Citizens Bank, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Yesterday, XX/XX/XXXX, a hold was placed on my daughters payroll check for FRAUD. I went to the same branch and the XXXX made a call and said this does not make any sense. The payroll check is drawn on his business account here. His daughter has a checking account here. The check was cleared from the business account but the fraud department stated they are still returning the check to us. That return was processed today with the check on the way back to my daughter. So we have to wait to receive it and attempt to redeposit it again. Our payroll company, XXXX XXXX XXXX, creates our checks for our entire staff, now XXXX employees as of XX/XX/XXXX. We all deposit our checks via a branch or ATM or cash them. My daughter cant even use her debit card from another account she has here, it was declined a few times on XX/XX/XXXX. Its always something with this bank. I am supposed to have someone assigned to my business, he has never called me despite set appointments. They do not extend personal or business credit despite having a XXXX credit score, numerous relationships, and consistent business deposits monthly. I am looking into other banks to shut every single account down, even my XXXX childrens accounts. How is it possible to determine XXXX payroll check is fraudulent when you cleared all the prior ones, deposited through the same ATM after work, at the same branch with the same signature. When you call customer service, no one can help you, they pass you around. You go on XXXX XXXX XXXX and read a bunch of bad reviews, I just placed XXXX. This is ridiculous. Whats wrong with this bank. Even the XXXX couldnt understand why they determined a payroll check to be fraudulent, created from a business account, deposited into a personal account all at the same bank, and then issue a return. Their app always freezes on me everyday. Im looking to move all my relationships, all XXXX accounts. They also placed my daughters account under investigation which is also my joint account. She is unable to use her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is beyond frustratingI found unauthorized inquiries on my credit report this morning, and Im not sure why theyre there. I regularly check my credit report, and these errors appeared out of nowhere today. I refreshed my browser thinking it was a glitch, but they didnt go away. I need you to thoroughly check the documents Ive sent and resolve this issue immediately so I can stop stressing about 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 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXXXXXX XXXX XXXX numerous fraudulent inquiries have occurred. These inquiries were NOT made by me. In two instance involving XXXX , they even withdrew from my capital one bank account without my permission. 
XX/XX/year>- XXXX 's attempted to withdraw {$1800.00} from my personal Capital One account, without my permission or knowledge and failed to do so due to insufficient funds. 
XX/XX/year>- XXXX 's withdrew {$1200.00} from my personal Capital One account, without my permission or knowledge. I disputed as soon as I had found out AND alerted Macys/Citibank/and Capital One of the fraud and told them not to allow any payment of this nature to occur now or in the future. 

All parties made notes to the account regarding the fraud occurrence, and to not allow this to occur again. It was not characteristic of me to pay XXXX in that manner. 

Despite my efforts and the supposed notes made on both accounts, they allowed the second fraud occurrence. 

XX/XX/year> XXXX XXXX XXXX the {$1200.00} payment ( eventually adding the entire amount to my balance ) XX/XX/year> XXXX XXXX retried the {$1800.00} withdrawal, without my permission or knowledge, and was successful. 

I was forced to call all parties yet again, regarding their failures to protect my accounts. 

XX/XX/year> XXXX 's reversed the {$1800.00} withdrawal, and added the fraudulent activities to my account. 

These issues also, with the failures of Capital One Bank, caused financial loss in the form of a bounced check and late payment to XXXX XXXX. While the FROZE my account for a LONG period, I had to use funds from alternate accounts to be able to make my rent payment. This was stressful and handled poorly... first by allowing the fraud, then by allowing the fraud AGAIN ( despite my warning ), then by freezing my activity and causing late fees and unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
My name, social security number, and other information has been used to open and secure several loans and to open accounts over the last XXXX  years affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: MT

Complaint narrative:
Two financial institutions requested my credit file from Experian ( XXXX XXXXXXXX XXXX  XXXX ). Experian reported No credit history to these institutions. I have 35 years of good credit history and a 38 page file with Experian if i log in myself. 
My identity was verified and double checked with the banks and they get the same result from Experian. I have called many times only to get AI programmed to keep consumers from talking to customer service at experian. I sent emails and requests online with no answers. Experian is misreporting my credit and has refused any customer service to the consumer to explain and or correct this issue.

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 2024-09-26 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: PA

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies 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 2024-09-26 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:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies 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 explanation
Consumer complaint received 2024-09-26 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: PA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-09-26 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:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials XXXX XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: VA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
I did not authorize any of the below. Please remove all my credit immediately. 

Experian credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE IMMEDIATELY!!!

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 2024-09-26 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: MI

Complaint narrative:
I am writing to formally dispute the information contained in my credit report under the Fair Credit Reporting Act ( FCRA ), Metro 2 guidelines, and all applicable credit reporting regulations. The account in question is a charge-off reported by FINWISE/OPPLOANS. 

Upon careful review, I believe the information is incomplete, inaccurate, and not fully compliant with Metro 2 formatting and reporting standards. 

The errors Ive identified include but are not limited to : Inconsistent Dates : The date of first delinquency and charge-off date are not aligned across all credit reporting agencies. 
Inaccurate Balance Reporting : The balance reported after charge-off does not match my records.

Failure to Comply with Metro 2 Guidelines : The reported account status and classification codes may not align with Metro 2 standards, and I request verification of the compliance of this entry.

According to the FCRA and Metro 2 standards, credit reporting agencies must report accurate, complete, and timely information. As such, I request : A full investigation of this accounts accuracy and compliance with Metro 2 guidelines.

Deletion of this charge-off if it is found to be inaccurate, unverifiable, or reported incorrectly according to credit reporting standards. 
Please provide me with documentation to verify the legitimacy and accuracy of this account, or remove it from my credit report immediately. If no verification is provided within the legally allowed 30 days, I expect the immediate deletion of this account as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I deposited a e-check, XXXX XXXX of XXXX a check from the U.S that was from my taxes into my account it was taking them way to long to verify the check and deposit it into my account, that they sent me emails regarding it would take 5 business days from the deposit date for my check to hit my account I had talked with a live agent through there bank app everyday and they all said the same thing 5 business days which was XX/XX/year> is when my deposit would be posted. I have screenshots of that conversation. They have freezed my account and I can no longer log into my bank account information.

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 2024-09-26 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:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 hard inquiry opened on ( private ), under the account number ( private ). 

Appearing on my consumer credit report maintained by ( private ), 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 # ( private case number ) 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: MS

Complaint narrative:
I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX  specifically debt bondagewhich falls under XXXX  as defined by the XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.

Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX.

According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within XXXX  business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information.

I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from 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 2024-09-26 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: CT

Complaint narrative:
I recently reviewed my credit report and noticed I have fraudulent activity. Please remove all fraudulent accounts/activity as it it hurting my ability to obtain credit. 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 non-monetary relief
Consumer complaint received 2024-09-26 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: CT

Complaint narrative:
I recently reviewed my credit report and noticed I have fraudulent activity. Please remove all fraudulent accounts/activity as it it hurting my ability to obtain credit. 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 2024-09-26 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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