vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a store only Kohls credit card which can only be used for Kohls purchases for many years. XX/XX/year> I received a notice that Kohls was joining with Capital One and that my card would be rolled into a general CapitalOne Credit Card that had high interest rates and could be used anywhere, which I did not want. I called to cancel my account and to not be given a new credit account with Capital One. 

The letter says " You have the right to reject the changes ... by calling XXXX by XXXX XXXX. '' I called the number and closed out my account on XX/XX/year>. 

Yesterday, XX/XX/year>, I received a Credit Card in my name from Capital One saying it was my new Kohls Capital One card ( which I do not want and have never asked for ). I tried to call Capital One, but their online CC number routes me to Kohls, and the Kohls line routes me back to Capital One in a loop so I can not close out the card. 

As I called and closed out my account but Kohls still shared my information with Capital One and opened a new account in my name, I am upset and feel this is fraud. I need help closing out this new account and companies should not be able to do this, especially since I followed their instructions and cancelled my account 2 months before I needed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: LA

Complaint narrative:
I was looking over my consumer report and found hard inquiries that I do not recognize. Please remove these inquiries off my credit report. 
XXXXXXXX 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 2024-09-05 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: CA

Complaint narrative:
Subject : Urgent Dispute of Unauthorized Collections Dear Experian Dispute Resolution Team, I am writing to demand the immediate removal of two unauthorized negative collections from my Experian credit report. I have no knowledge of these accounts and did not authorize them.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required to verify any accounts you list on a credit report through the physical verification of the original signed consumer contract. This requirement ensures that fraudulent accounts can not be included in credit reports. I demand that you provide verifiable proofspecifically, an original consumer contract with my signatureof the accounts listed below. If you can not provide this verifiable proof, you must remove these accounts immediately. 

The unauthorized collections in question are XXXX XXXX XXXX XXXX Creditor XXXX XXXX  Date Opened : XX/XX/2024 Balance : {$420.00} XXXX XXXX XXXX  Creditor : XXXX  Date Opened : XX/XX/2024 Balance : {$390.00} These accounts have adversely impacted my credit score and my ability to obtain credit. Under the FCRA, unverified accounts must be removed from my credit report. Failure to provide the required proof or remove these accounts will be a violation of federal law. 

Please address this matter urgently and confirm the removal of these entries or provide the necessary documentation within the statutory timeframe. 

Thank you for your immediate attention to this issue. 

Sincerely, 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 2024-09-05 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: NJ

Complaint narrative:
I am writing to address inaccuracies found in my recent consumer report concerning late payment entries on accounts that have been consistently paid on time. The specific accounts are : XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX  : Account # XXXX, According to the Fair Credit Reporting Act, it is essential that all information reported is accurate and truthful. I have never missed a payment on these accounts, and I did not authorize any reporting of late payments. I am requesting a detailed investigation into these errors. Please provide documentation to substantiate the reported late payments and any records showing my authorization for such reports. If this documentation can not be provided, I expect the records to be corrected to reflect my accurate payment history of " on time. ''

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 2024-09-05 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: SC

Complaint narrative:
Unauthorized inquiry on credit report equifax refuses to show proof of the investigation they did to verify. I have no knowledge of this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: FL

Complaint narrative:
Ive been trying to contact Jefferson Capital Systems to settle a debt in the amount of {$4800.00}. I called numerous times on XX/XX/2024 to see if I can settle the debt and get something in writing to show that the debt was settled. Nobody will direct me to someone where I can settle this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
In XXXX I contacted Shellpoint advising the customer service rep that I was seeking help on catching up on my loan due to me not working. I was asked several questions to see if I qualified for assistance and was advised that I was and someone would be calling me for further assistance. A week went by and no one called. I contacted shellpoint and spoke with a very rude case manager who told me that I need to fill out some documents that would be coming in the mail. I received the documents and mailed them back XX/XX/year> after a week went by and I did not hear from anyone I called again and was advised by my case manager that she was not able to look at the documents yet. She contacted me two days later advising the application was incomplete and she needed paystubs, hoa statement, bankstatements. I emailed the requested documents and did not hear anything back once again I called in and was advised she did not receive anything from me. After gong back and forth with her I advised he I emailed the docs on the 26th she stated she saw them and that the paystubs were old ( she was reading the dates backwards ). she then advised that she needed my savings account bank statements which is not true. This is going on two months trying to get my mortgage loan caught up

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 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My online access to my Chase bank account and credit cards has been restricted. In XXXX XXXX I took my US passport to a Chase branch in XXXX, Florida to update my status to a XXXX XXXX. After that, I was blocked from logging in to my account. I called multiple times and visited the branch and finally was told that I have an XXXX restriction on my account. Since then, I have contacted different departments and visited Chase branches and received conflicting suggestions from Chase on how to clear this restriction. Nonetheless, I have followed all of these suggestion and provided documents and faxed a notarized " XXXX XXXX XXXX '' to the number that was given to me. Despite all my efforts, my access is still restricted and Chase is not offering me any path forward to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA FRAUD CLAIMS RE : Claim XXXX {$1000.00} claim amount /checking account XXXX I placed this claim on XX/XX/XXXX. I informed the agent assisting me that I was a victim of ID theft and that this appeared to be part of it as well. I did not authorize or make these charges listed above. She instructed me we needed to cancel my debit card and put them in as fraud. She stated it would take 3-4 business days for the temp credit to appear. That never happened. Today I am told that its awaiting final resolution and could take up to XX/XX/XXXX for a perm credit to appear. 
I did not authorize these charges. They are fraud. I DO NOT HAVE A XXXX XXXX ACCOUNT. I HAVE NEVER USED A XXXX XXXX ACCOUNT. I DO NOT HAVE A XXXX account whatever that charge was for XXXX as well. Also, in my claim. So, sending me a email stating that XXXX XXXX has a XXXX XXXX and this was transferred to his account does not prove anything. That account at XXXX XXXX was fraud. That is why there is a police report. That is why my credit file is now locked down. 
I will be reporting this to FDIC, CFPB, XXXX  upon sending this to you now. I am beyond furious at your lack of transparency, concern for a 21 YEAR CUSTOMER! I want this reopened, and I want my refund of these illegal charges. 
I have been a loyal B of A customer since XXXX that has to account for something with your bank. I am asking to please issue a temp credit until you have completed your investigation. I am attaching the FTC, and Police Report for my file. If you need anything further, affidavit etc. please reach out.

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 2024-09-05 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: UPGRADE, INC.
State: WA

Complaint narrative:
I am submitting this formal complaint against Upgrade , Inc. for their failure to honor a financial hardship program and the resulting negative impact on my credit report. Despite repeated assurances and acknowledgments of their error, Upgrade , Inc. has failed to resolve this matter for over XXXX months. 

In XXXX, I was experiencing significant personal and financial hardship due to the following reasons : Separation after a XXXX relationship, leaving me homeless. 
The tragic death of my sister, for whom I was responsible for handling all affairs. 
The resumption of a {$1500.00} per month student loan payment, further straining my finances. 

I communicated these issues to Upgrade , Inc., and XXXX separate agents assured me that I qualified for their financial hardship program. They agreed to place me on this program, which would have allowed me to defer payments until XX/XX/year>, by which time I would be able to resume payments as normal. Unfortunately, despite these assurances, Upgrade , Inc. failed to enroll me in the hardship program, and I was subsequently reported as delinquent for XXXX months of missed payments. This severely damaged my credit score. 

In XX/XX/year>, I contacted Upgrade , Inc. to resolve this issue, and they admitted multiple times that they had made an error by not placing me on the hardship program as promised. They agreed to correct the reporting with the credit bureaus, changing the status to " No Data, '' which is what should have been reported had they followed through on their commitment. They also promised to send a creditor courtesy letter stating the corrected dates. However, none of this has happened. 

Over the past six months, I have made numerous attempts to resolve this matter. Every time I speak with Upgrade , Inc., they acknowledge their mistake and assure me that they will correct the credit reporting. Yet, they have repeatedly failed to take any action. They have also failed to send the promised courtesy letter. 

The ongoing lack of resolution has caused significant damage to my credit, despite Upgrade , Inc.s clear admission of fault and continued promises to fix the issue. I am seeking CFPB 's assistance in ensuring that Upgrade , Inc. follows through on its commitments and corrects the inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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:
Consumer name : XXXX XXXX XXXX, Consumer social security Number : XXXX, Consumer date of birth : XX/XX/XXXX, Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C to 1681 c-2 ) that you, The XXXX credit reporting XXXX XXXX XXXX XXXX appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened account opened at XXXX XXXX Bank XXXX on XX/XX/XXXX under the account number # XXXX, A Phone Account at XXXX on XX/XX/XXXX under the account number # XXXX, An Auto loan at XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX, And a Auto loan at XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  XXXX  report mentioned by you which shows the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer XXXX report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, or 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: KY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX account number XXXX balance {$5000.00} XXXX XXXX account number XXXX balance {$7000.00} XXXX XXXX XXXX account XXXX Balance {$3000.00} XXXX XXXX XXXX account number 1 balance {$2500.00} XXXX XXXX account number XXXX balance {$1000.00} XXXX XXXX XXXX XXXX  account number XXXX balance {$600.00} XXXX XXXX XXXX XXXX account number XXXX balance {$750.00} XXXX XXXX XXXX account number XXXX balance {$750.00} XXXX XXXX XXXX account number XXXX balance {$1000.00}

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 2024-09-05 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: MO

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-09-05 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: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-05 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: DE

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
The issue Im having is that someone used my social security number to obtain an apartment. The first name of the person is her name and the last name is my name. She used my social security number and birthday. I asked the rental property to give me more information on said person. They declined for privacy reasons. I already file fraud with the credit bureau. I want her name and address off my credit report as soon as possible. I also have accounts that are not mine on my credit report. I have several accounts from XXXX that are not mine. I also had my name ran several times to obtain credit that I did not do as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation