vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have paid the outstanding balance and still showing in a negative way that prevents me for getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing to formally address a significant issue I have encountered with my account, which has been a source of frustration and inconvenience. I have been a loyal customer for over 12 years, and throughout this time, I have maintained a positive relationship with your institution. 

However, my account has been blocked since XX/XX/year>, following an attempt to purchase appliances at a XXXX XXXX XXXX store. Despite numerous phone calls and considerable time spent attempting to resolve the bank 's concerns, I was instructed to provide additional documentation. 

I initially sent the requested documentsmy ID, Social Security card, and a utility billvia fax on XX/XX/year>. Upon being informed that the images were unclear, I resubmitted the documents on XX/XX/year>. Despite this, I was again told that the images were not satisfactory, leading me to mail the documents on XX/XX/year>. 

Despite these efforts, I continue to face issues with my account and have been unable to receive clear responses or resolutions to my concerns. Additionally, my inability to access my account online prevents me from making a full payment on the current balance, which is accruing interest charges. 

This situation is unacceptable and requires immediate attention. I request prompt resolution of this matter, including restoration of my account access and clarification on the status of my documentation. Furthermore, I urge you to address the interest charges that have accumulated due to 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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have late payments showing on my student loan and it is really affecting my credit score because I know that its been extremely hard to afford to pay my student loans and Ive always called to add a forbearance to make sure that doesnt happen and I really need somebody to have that Removed From the reporting agencies, I never a payment I always called to have a forbearance in place.

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 2024-08-22 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: NJ

Complaint narrative:
I have late payments showing on my student loan and it is really affecting my credit score because I know that its been extremely hard to afford to pay my student loans and Ive always called to add a forbearance to make sure that doesnt happen and I really need somebody to have that Removed From the reporting agencies, I never a payment I always called to have a forbearance in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have late payments showing on my student loan and it is really affecting my credit score because I know that its been extremely hard to afford to pay my student loans and Ive always called to add a forbearance to make sure that doesnt happen and I really need somebody to have that Removed From the reporting agencies, I never a payment I always called to have a forbearance in place.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding unauthorized hard inquiries that have been conducted against my credit report. These inquiries have negatively impacted my credit score, and I believe they were conducted illegally without my consent. 

Details of the Complaint : Full Name : XXXX XXXX Social Security Number : XXXX Credit Report Affected : XXXX, TransUnion Date ( s ) of Unauthorized Inquiries : Company/Entity Responsible for Inquiries : XXXX  Inquiry : 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 Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX 
( XXXX ) XXXX I have recently reviewed my credit report and found that multiple hard inquiries were made without my knowledge or authorization. I did not apply for any new credit accounts or loans that would justify these hard pulls. As a result, my credit score has been adversely affected, causing significant concern and distress. 

I have already contacted the credit bureaus and the companies involved to dispute these inquiries, but the issue remains unresolved. I am requesting the CFPBs assistance in investigating this matter and taking appropriate action to rectify the situation.

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 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I RECENTLY TRIED TO OBTAIN MEMBERSHIP WITH NAVY FEDERAL AND UNBEKNOWNST TO ME A MEMBERSHIP WAS OPENED IN MY NAME FRAUDULENTLY AND WITHOUT MY CONSENT I THEN STEPPED INTO A LOCAL BRANCH WASNT GIVEN ANY INFORMATION CALLED SEVERAL TIMES AND GIVEN MINIMAL INFORMATION FINALLY AFTER MONTHS OF XXXX THEY MENTIONED CALLING XXXX XXXX I REACHED OUT AND SAID THEIRS NO INFORMATION WITH MY NAME IVE BEEN REJECTED AN ACCOUNT WITH THIS INSTITUTION WHEN I MEET THE QUALIFICATION MY NAME IS XXXX XXXX I CAN BE REACHED AT XXXX Under XXXX5 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 1681i ( 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 that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-22 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: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX Collections - XXXX - XX/XX/XXXX Opened- I am requesting that this tradeline be removed from all three of my credit reports. Back in XX/XX/XXXX, I moved into XXXX at XXXX XXXX. In XX/XX/XXXX, I put in my 60 days  notice to the property after hearing about break ins at the property. During my transition in XX/XX/XXXX, I returned to my property at XXXX and confirmed that my unit was broken into. My unit was next door to the leasing office ( gated community, but access to units on the sides of gates for non-residents to enter ). I filed a police report with XXXX Police Department and notified the property. I was advised that no balance was due after me submitting my 60 day notice, along with moving for safety after my property was destroyed and items were stolen. I was later contacted by RDAC regarding a debt owed to the property that they were collecting on. I received no documentation or proof of this debt being owed. The collector is trying to collect on a company that is permanently closed, shortly after the multiple break ins that took place after mine. This account continues to be on my reports after many years. Ive been told by agents that if paid, it will be removed, but no proof of pay to delete when requested. Small payments were applied after confirming they would settle for what was paid within the 30 days and no deletion of the trade line. The account reflects as OPEN and reports as Collection monthly.

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 2024-08-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I have never agreed to do business with these creditors. These accounts are fraudulent. 

They are listing these accounts under different names and on each bureau.

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 2024-08-22 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: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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 non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I paid my car note early and made XXXX payments XXXX on XX/XX/XXXX and XX/XX/XXXX. First payment was XXXX, second payment was XXXX. My payment was not due until the XXXX. I made a payment towards principal of XXXX on XX/XX/XXXX. I then made a payment on XX/XX/XXXX of XXXX. Another payment of XXXX on XX/XX/XXXX. And a last payment of XXXX on XX/XX/XXXX. The XXXX I paid for XXXX nothing went towards principal. My daily interest rate is XXXX. The interest accumulated would be XXXX from the XXXX of XXXX to XX/XX/XXXX. There should have been at least XXXX towards my principal. They havent sent print out of accumulated interest either saying that it takes XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: PA

Complaint narrative:
In Early XXXX I was a victim of fraud. A Man pretending to rent me some property but instead he scammed me out of my money and a lot of personal information. I have made police reports and this is being investigated. While in the process this person has been trying to apply for things in my name. I reviewed my credit report and have notice some hard inquires that I did not authorize. I have learned to freeze my credit since this experience. I have been building my credit, while repairing it so This has effected my score terribly and since has put 12 new hard inquiries to my report. I would like these removed immediately These inquiries are unauthorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with ( was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: PA

Complaint narrative:
THE COMPANY PNC INFORMED ME IN XX/XX/XXXX THAT I HAD OPTIONS OF GOING FOR MORTGAGE PAYMENT PLAN BUT THE GIRL ON THE PHONE SAID SHE DIDNT REALLY THING THE OPTIONS WOULD BE HELPFUL. SO I DIDNT TAKE IT. ITS ON TAPE. I HAD CALLED TO TELL THEM I WAS OUT OF WORK FOR AWHILE BECAUSE OF XXXX. i TOLD THEM I COULD NOT MAKE FULL PAYMENT EACH MONTH. SHE SAID MAKE AS MUCH AS YOU CAN. I DID. I CAUGHT UP. BEEN PAYING EVER SINCE. CHECK MY ACCOUNT. ENDING IN XXXX HELOC LOAN. ITS ALL ON RECORD. WHEN I CALLED TODAY TO ASK ABOUT H.OW IT WORKS GOING FROM A FIXED TO VARIABLE SHE SAID I CANT DO IT BECAUSE THEY SUSPENDED MY DRAW PRIVILEGE. I ASKED HER WHEN. SHE SAID ITS AT THEIR DESCRETION. CHECK THE TAPE. THERE APPEARS TO BE NO SOLUTION EVEN IF I WROTE AND REQUESTED AGAIN. I ALREADY DID SO..THEY DENIED IT AGAIN AND AGAIN. WITHOUT REGARD TO A REASONABLE SOIUTION THEY SAY THEY ARE ALLOWED TO KEEP ME A FIXED RATE IT SEEMS FOREVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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:
I recently looked at a copy of my credit report and noticed I had a fraudulent account on my credit report. It is hurting my ability to obtain credit. I have no known contracts nor did I authorize anything with said company. I recently looked at a copy of my credit report and noticed I had a fraudulent account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: MA

Complaint narrative:
During Covid p to present experienced financial hardship, strain and health issues due to taking care of my elder parents. I let my personal business fall by the wayside especially, morning two unexpected deaths of my grandparents during the time. I tried to reach out to the credit companies to try to figure out a way to pay back before going to collections and was placed on an agreement of which I completed. I reached out to continue to contact to try and be put on another agreement and was just recently denied. The company will be sending mu account to collections. 


Discover XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I am getting multiple calls every day from Comenity Bank. I have each number saved as well as the date and time. This is beyond harassment and I need this to stop. This happens at all times of the day and includes Saturdays and Sundays. Comenity fills up my voicemail quickly and I have had many friends, doctors, family, etc tell me that my voicemail was full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My problem is with EXPERIAN. I wanted to manage a freeze on my credit report in order to buy a car. I tried to sign into my Experian account but the login information I had was not accepted. I went through the flow of trying to recover my account several times using different pieces of information but none were accepted. I then tried to create a new account. I received the message " We're having trouble verifying your identity. '' I tried calling the number that was provided several times and was unable to verify my identity via the automated system. I found several other phone numbers elsewhere on the Experian website and had the same problem with those. No phone number had a live agent associated with it, even though I called during Experian business hours. I tried the online submission portal and submitted a copy of my driver 's license. This also did not result in any positive information. After over XXXX of trying, and after submitting my social security number and various other pieces of personal information via phone and online portal, thereby opening myself up to significant opportunities for fraud, I finally gave up. Note that my information is valid, as verified by successful account management on XXXX and 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