vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This credit check was done without my permission. Please take it off my credit report. 
XXXX XXXX : XXXX XXXX, XXXX FTC Report Number : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX FTC Report Number : XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/year> I made a large purchase at an XXXX XXXX in XXXX. The saleswoman made a huge deal about this big sale they had going on and all I needed to do was answer a few questions. As she takes down my personal information she gets more and more detailed and I stopped to ask her why they need this info and what they will do with it. She assured me that they only collect this info for demographic research for marketing and to sign me up for mail newsletters and things like that. She said none of the info is used for anything else. The she asked for my social security number and again I asked her why they needed that and she told me that they wanted to make sure everyone that gets the sale only gets it one time and so they record your SSN just to make sure you dont get the sale twice. Next thing I know on XX/XX/XXXX I believe I was approved a new line of credit with Barclays and XXXX XXXX. I can swear on my life that that woman NEVER said the word credit let alone credit card and that I asked her at least 3 times what my info was being used for and she swore it was just for marketing purposes/making sure the sale is used only once by each person. This must be illegal

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request an investigation into inaccuracies I have discovered in my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 
Upon reviewing my credit report from Experian, I noticed the following inaccuracies associated with my accounts : XXXX. XXXX XXXX I believe these inaccuracies may negatively impact my creditworthiness, and I would like to ensure that my credit report reflects accurate and up-to-date information. Under the FCRA, I am entitled to an investigation of these discrepancies, and I kindly request that you provide me with a written response regarding the findings of your investigation within the timeframe mandated by law.

Additionally, I would like to remind you of your obligations under 15 U.S.C. 1681s-2, which requires furnishers of information to provide accurate information to credit reporting agencies. If any information is found to be incorrect, I request that it be Removed from my credit report promptly.

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 2024-09-02 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: WY

Complaint narrative:
I recently looked at my credit report and noticed several violations of inaccurate inconsistent incomplete information on my transunion and experian credit reports.ive disputed this account at least XXXX times in the XXXX years and the burueas keep reporting XXXX different account numbers for XXXX XXXX XXXX on transunion the acount number reporting is # XXXX and on XXXX the account number being reported is XXXX this violates 15 usc 1681e ( b ) the next violation is transunion reports last activity of XX/XX/year> and experian report the last activity date of XX/XX/year> that violates 15usc1681e ( b ) the next violation is the inconsistent payment history transunion is reporting no payment history and experian is reporting repeated charge offs and that violates 15usc1681e ( b ) according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.delete navyfederal credit union from my transunion and experian credit reports or pay me {$XXXX} per violation.

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 2024-09-02 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America shutdown both my checking/saving accounts without my knowledge. On XX/XX/XXXX, I noticed that I couldnt access my online banking, or use the ATM, so I contacted BOA and the representative told me that my account was shutdown and they do not care about me. I asked about my money, the representative told me to shut my mouth and a check will be sent out to me whenever. As of XX/XX/XXXX, nobody contacted me and no resolution was 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 2024-09-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX XXXX XXXX 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 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 2024-09-02 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: DE

Complaint narrative:
After reviewing my consumer report I've noticed that. there is a collection account reporting. I asked the creditor that's reporting this account to send me all documents that verifies the alleged debt. They failed to respond to me with any documents but yet still report this account. After being contacted numerous times at unusual hours through out the day which is inconvenient for me, I asked that they cease all communications with me which includes reporting this account through any medium which is my credit report. How can I owe them a debt if there were never any agreements, contracts or anything set in place? Where is the proper documents? My credit report is being negatively affected by this account in which I am writing this complaint. included in my complaint is a copy of my dispute letter with the account that I'd like to be removed.Violations committed by the creditor : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations

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 2024-09-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX. XXXX XXXX - 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
I have an investment account with Sofi. Due to my bank account being compromised, I went to sofi and update my new bank account. I even called sofi to delete my old account. After multiple attempts to transfer money into my account without success, I manually entered my routing and account number. I called sofi multiple time to resolve the transferring issue, but it still didn't work. Sofi started to sold some of my stock to cover the deficit. Then a few days later, sofi liquidated my whole account positions and restricted my account. Initially I didn't know why I can't move or use my fund in the account and after many calls and run around, I was told my account was restricted. Sofi started to liquidate my account on XX/XX/XXXX and put a restriction on my fund. I called multiple time and spoke to supervisors without resolve the restriction. If sofi closed my account, they should let me withdraw my fund by either send a check to my address on file or send it to my bank account on file. They did neither of these and just held on my fund. I file a complaint with consumer bureau protection and a person contacted me XXXX days later. We have a constructive conversation, which he told me that he would unrestricted the account on the spot. On the same day, XX/XX/year> I transferred some money from Sofi to my bank and account and again it was frozen in review status. Again I called sofi, after a long conversation, the agent was able to confirm my fund would be available in XXXX business days. XXXX business days later, I checked my sofi account and it still in review status. My fund has been held by sofi for over XXXX weeks, which has caused liquidation crisis for me. I'm behind of my credit card bills and have to pay interests on loan. XXXX has been lacked in communication. They liquidated my whole positions, put a restriction my account and held my fund without alerting me. Sofi has put multiple road blocks for me to withdraw my fund. There is an inconsistency with information given by customer agents and what really occur with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: WY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-02 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX, # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX, # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: GA

Complaint narrative:
I was a tenant at an XXXX XXXX  called XXXX XXXX in XXXX NC back in XXXX it was around the time COVID was extremely high and I was in crisis. I couldn't afford my rent nor my utilities due to not being able to get a job and previous homelessness. I then found out about rental assistance program called RAMP where I applied to get assistance. I end up getting approved and completed all the steps to get assistance for my struggles. After I had to leave the apartment in XXXX, XXXX  I thought everything would be took care of and I would be able to move forward in peace. Years ago by the same apartment reports almost {$9000.00} dollars on my credit without my permission as it states in the law 15 USC 6802 limits the disclosure of nonpublic personal information by financial institutions. The section states that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without providing the consumer ( XXXX XXXX ) myself a notice. I have the emails of the program confirming my assistance for my time of need and suffering due to COVID and it was not correctly and morally used therefore it should not be on my report because it's false information which why a credit bureaus should have called me first before reporting on my credit to these agencies. Secondly the law 15 USC 1681b permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the order of a court having jurisdiction to issue such an order meaning credit agencies should have had my written instruction to allow to put this on my credit report but I didn't send nor write a letter stating that and if so I need that to be verified. Lastly my information should be passing my personal information without my lawful authority which is the law 18 USC 1028A. I do have the emails stating I was getting rental assistance so this needs to be off my credit report due to pain and suffering of not being able to rent/buy a home of my own.

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 2024-09-02 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: GA

Complaint narrative:
I was a tenant at an XXXX XXXX called XXXX XXXX in XXXX NC back in XXXX it was around the time COVID was extremely high and I was in crisis. I couldn't afford my rent nor my utilities due to not being able to get a job and previous homelessness. I then found out about rental assistance program called RAMP where I applied to get assistance. I end up getting approved and completed all the steps to get assistance for my struggles. After I had to leave the apartment in XXXX, XXXX  I thought everything would be took care of and I would be able to move forward in peace. Years ago by the same apartment reports almost {$9000.00} dollars on my credit without my permission as it states in the law 15 USC 6802 limits the disclosure of nonpublic personal information by financial institutions. The section states that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without providing the consumer ( XXXX XXXX ) myself a notice. I have the emails of the program confirming my assistance for my time of need and suffering due to COVID and it was not correctly and morally used therefore it should not be on my report because it's false information which why a credit bureaus should have called me first before reporting on my credit to these agencies. Secondly the law 15 USC 1681b permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the order of a court having jurisdiction to issue such an order meaning credit agencies should have had my written instruction to allow to put this on my credit report but I didn't send nor write a letter stating that and if so I need that to be verified. Lastly my information should be passing my personal information without my lawful authority which is the law 18 USC 1028A. I do have the emails stating I was getting rental assistance so this needs to be off my credit report due to pain and suffering of not being able to rent/buy a home of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I recently looked at my credit report and noticed several violations of inaccurate inconsistent incomplete information on my XXXX  and experian credit reports.ive disputed this account at least XXXX times in the XXXX years and the burueas keep reporting XXXX different account numbers for XXXX XXXX XXXX on XXXX  the acount number reporting is # XXXX and on experian the account number being reported is XXXX this violates 15 usc 1681e ( b ) the next violation is XXXX  reports last activity of XX/XX/year> and experian report the last activity date of XX/XX/year> that violates 15usc1681e ( b ) the next violation is the inconsistent payment history XXXX  is reporting no payment history and experian is reporting repeated charge offs and that violates 15usc1681e ( b ) according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.delete XXXX XXXX XXXX from my XXXX  and experian credit reports or pay me {$XXXX} per violation.

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