vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 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: GA

Complaint narrative:
XXXX XXXX is reporting my debt to the bureaus incorrectly My balance on my account is {$16000.00} They are reporting {$190000.00} Ive called and they can validate the amount but wont correct the issue Violation of code XXXX XXXX My auto contract states that I was insured with XXXX I never had XXXX. Insurance information on contract incomplete & incorrect I was insured by XXXX  XXXX  insurance the day I left the car lot A lot of inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: GA

Complaint narrative:
XXXX XXXX is reporting my debt to the bureaus incorrectly My balance on my account is {$16000.00} They are reporting {$190000.00} Ive called and they can validate the amount but wont correct the issue Violation of code XXXX XXXX My auto contract states that I was insured with XXXX I never had XXXX. Insurance information on contract incomplete & incorrect I was insured by XXXX XXXX XXXX  the day I left the car lot A lot of inaccuracies

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 2024-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The past 2 months I had made several large charges. To manage my budget over the period I made large partial payments on my account. My account is set up for auto-pay when bills are due. Even though I had made the large partial payments, the auto-pay took the full amount of the ORIGINAL statement amount, NOT the amount still owed at the time they processed the payment. BOA told me partial payments are applied to post statement charges only ( which were non-existent at the time of the autopay ). They offered to refund the credit, however it will take 7-15 days to be processed, or leave it to be applied to future charges - neither of which helps my budget. How dare they arbitrarily take an over payment when money is not owed? I have other charge cards and they all apply partial payments to the current bill and process the monthly autopay reflecting any partial payments already made. I have requested the refund but believe BOAs so-called policy for applying partial payments in connection with autopay processing needs revisiting.

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 monetary relief
Consumer complaint received 2024-09-10 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:
I have received your computer generated letter stating investigation of my credit reports because, in your opinion was sent by a third-party credit repair agency. Not only do I be this was strategy to grant you an additional 30 days. I also believe it to be a blatant violation of the FCRA. I provided my state issued ID, Social Security card as well proof of residence so that it would be no confusion. ThatI questioned the accuracy of a few items quest was written by me and mailed by me not third-party agency or anyone else. Please stop with thestall tactics. 

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 XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to file a formal complaint against Experian for unlawful and egregious violations of the Fair Credit Reporting Act ( FCRA ) in handling my credit report, following my identity theft case. Despite providing all necessary documentation, Experian continues to report fraudulent information, including unauthorized accounts, addresses, and personal identifiers, in clear violation of federal law. 

Additionally, Experian has made threats to reinsert these fraudulent accounts back into my credit report, even after their removal, which further exacerbates the harm caused by their mishandling of my identity theft case. 

Summary of the Situation : FTC Identity Theft Report Notarized Affidavit of Identity Theft Government-issued ID and Social Security Card Bank Statement for proof of identity and address Despite providing all of the above documents, Experian has XXXX to remove the fraudulent accounts, unauthorized addresses, and incorrect names from my credit report. This failure is causing ongoing financial and emotional distress, and Experians inaction is a blatant violation of my rights under the FCRA. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 ( a ) Block of Information Resulting from Identity Theft : Experian is legally required to block fraudulent information from my credit report within four business days of receiving my valid identity theft report and supporting documentation. Experian has not complied with this requirement, continuing to report inaccurate and fraudulent information.

15 U.S.C. 1681i Procedure in Case of Disputed Information : Experian has failed to conduct a proper reinvestigation of the disputed information, despite my formal dispute. They are required by law to complete the investigation within 30 days and remove inaccurate information. However, Experian has repeatedly failed to meet this obligation.

15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy : Experian is obligated to maintain accurate information on my credit report. Their continued reporting of incorrect names, addresses, and accounts is a violation of this section, as they have failed to follow reasonable procedures to assure the accuracy of the information they report.

Fraudulent Information on My Experian Credit Report : Incorrect Names Incorrect Addresses Unauthorized Accounts These accounts and personal identifiers were not authorized by me and are a result of identity theft. Experians refusal to remove this fraudulent information from my credit report is not only unlawful but also causing significant harm to my financial well-being.

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 2024-09-10 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 observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: CA

Complaint narrative:
I applied for a job with door dash. CHECKR is the background check company that completes the reports. upon receiving my results there is a violation on my record that says I was in POSSESSION OF OPEN ALCOHOL CONTAINER WHILE OPERATING A MOTOR VEHICLE. I was denied the job position. I disputed the results with CHECKR numerous times stating they're reporting inaccurate information. I went to DMV to pay for a motor vehicle report to show checkr that theyre reporting inaccurate information. I also went to the county courthouse and received the ticket that I was charged for. CHECKR is still reporting inaccurate unverifiable information. I have included all proof of dispute and my documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/24, a hard inquiry notice came to my personal email. I read this notice and there was a hard inquiry done from capital one to open a venture x credit card. This credit card used my personal information to be opened which I never applied for this or had any knowledge about. I called capital one as soon as I received this email and was on the phone with them. Capital one then let me know they would start an investigation to figure out this fraud. After that, they told me some resources I could use in the meantime I wait for the decision of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
These item that are listed in this report do not belong to me and should be removed immediately. The FCRA mandate that i am entitled to an accurate and fair credit report. 
Per the Fair Credit Reporting Act ( FCRA ) is codified in the United States Code at **15 U.S.C. 1681 et seq. ** This means it starts at Section 1681 of Title 15 in the U.S. Code. The specific law that enacted the FCRA was Public Law No. 91-508, which was signed into law on XX/XX/1970.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: IL

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: MD

Complaint narrative:
On or about XX/XX/year>, I received an alert from a credit reporting agency that an account was being reported as 30 days past due. 
I logged in and noticed that XXXX XXXX XXXX was reporting this information. I called to inquire and they indicated it was an error. However, they needed to wait until all the credit bureaus received the information before they would attempt to correct the erroneous submission. 
This entry alone has lowered my credit score by XXXX points. This is a violation of the Fair Credit Reporting Act.

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 2024-09-10 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: MD

Complaint narrative:
On or about XX/XX/year>, I received an alert from a credit reporting agency that an account was being reported as 30 days past due. 
I logged in and noticed that XXXX XXXX XXXX was reporting this information. I called to inquire and they indicated it was an error. However, they needed to wait until all the credit bureaus received the information before they would attempt to correct the erroneous submission. 
This entry alone has lowered my credit score by XXXX points. This is a violation of the Fair Credit Reporting Act.

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 2024-09-10 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: Opportunity Financial, LLC
State: MO

Complaint narrative:
To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Account ( Opportunity financial ). Account ( XXXX XXXX XXXX XXXX  ). Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXXXXXX XXXX  and XXXX XXXX. 
Fraudulent Bank Account Information on My File I am writing to demand that you immediately investigate and correct fraudulent information on my ChexSystems file, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
I have discovered that your agency has reported a fraudulent bank account associated with my identity, which I did not open or authorize. This is a clear violation of my rights under the FCRA. I demand that you : 1. Immediately investigate this fraudulent activity 2. Remove all associated accounts and information from my file 3. Provide me with a corrected copy of my consumer report 4. Take steps to prevent future fraudulent activity on my file Failure to comply with this demand within 30 days will result in further action, pursuing legal remedies under 15 U.S.C. 1681n. 

Sincerely, 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 2024-09-10 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: FL

Complaint narrative:
I couldnt believe it when I checked my credit report tonight and saw accounts I didnt recognize. I regularly monitor my credit, and everything had been fine until now. I thought maybe my browser was acting up, so I refreshed it, but nothing changed the incorrect accounts were still there. Now, I need the documents I sent to be carefully reviewed, so I can avoid ever dealing with this issue again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have received two American Express prepaid Gift Cards for {$25.00} that are completely unusable. No one accepts them. These are a complete scam and should not be allowed on the market.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I was a custoter of XXXX ( an XXXX XXXX ) for many years. I was a heavy user of a feature which, by providing XXXX with my login information for all of my external checking, savings, and investment accounts, mint.com would dispay allof these accounts and their current balances on a central " net worth '' dashboard. 

I relied on this dashboard as my " system of record '' for all the the accounts that I owned ( checking, savings, 401k/IRA... ). 

The service was recently taken over by Credit Karma, but Credit Karma does not seem to provide this same feature, and so I've lost access to this central record of all of my owned accounts. I raised my concern about this loss of my financial information with Credit Karma, but their response has been horrendous. The responses don't even correspond to the problem I've been reporting, and after several changes to resolve the issue, I told them I would report this case you the CFPB. 

See the attached email thread with their support team for details on just how unacceptable their response has been

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: MS

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. Please see the attached file for what I am complaining about and take immediate actions.

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