vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
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 non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
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 non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
In accordance with the fair credit credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 Sates I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated, my rights. 

15 USC 1681 Section 602 Sates I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, 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 writing to let you know that your company is reporting inaccurate credit information on my credit report. Accordingly, I request that the following information be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account ( date opened : XX/XX/2018 ) ending in account # XXXX, is being reported incorrectly. I have never had account with XXXX for solar panels. This was my fathers account that he opened in XXXX of XXXX. I have and always had nothing to do with this debt/ account. I was only XXXX XXXX XXXX when my father opened this account and had no job or ability to co-sign on this loan ( or need to sign on this loan ). The sales rep for solar panels took the unauthorized, unilateral, fraudulent and ( horrid ) liberty to add me as a co-signer to the account, even though I never provided my consent to sign this. Never has any paper work been explained to me. Since this happened, I have explained the situation to the solar panel company, and it subsequently fired the sales representative for fraudulently signing the document on my behalf. This was solely my fathers account, which has been personally discharged through XXXX  XXXX bankruptcy. The company told me that the inaccurate inclusion of this account on my credit reports would be fixed, however, and disappointingly, this account has remained on my credit report and is causing my credit score to suffer. Please delete this entire account as it is not mine, and also delete any inaccurate late notations, from my credit report. 
As I am sure you are aware, and as demonstrated above, furnishers are not a reliable source for information, therefore, please conduct your own investigation into my dispute. I thank you for your understanding this matter and I look forward to your favorable consideration.

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 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/XXXX - Online order for cabinet knobs. Total order {$370.00}. Home Depot Credit Card ( citibank ) charged {$370.00}. ONLINE ORDER # XXXX XX/XX/XXXX - Cancelled cabinet knob order. Balance refunded {$320.00}. Difference of {$49.00}. 
XX/XX/XXXX - Called XXXX XXXX store in XXXX, AZ to question difference. Customer Service desk told me because part of the order had to be ordered from manufacturer, credit would be issued once goods were received by store - then difference would be credited back. 
XX/XX/XXXX - Called Home Depot Credit card number- they transferred to Credit Services, who then transferred to Customer Service at the XXXX  store who told me this was a citibank issue. 
XX/XX/XXXX - Called Citibank- they said it was a XXXX XXXX issue and transferred me back to Customer Service Desk at XXXX XXXX. 
XX/XX/XXXX - Visited XXXX XXXX Customer service desk in XXXX XXXX, AZ. XXXX and XXXX were able to contact the XXXX store and get a {$50.00} credit issued. Said credit could take 7-10- days. 
XX/XX/XXXX - Received collections call from Citi Bank. Balance of {$49.00} was due XX/XX/XXXX plus late fee of {$29.00}. 
XX/XX/XXXX - Called XXXX, store manager at XXXX XXXX XXXX. He said credit appeared on their computer. Tried to track down why credit wasn't transferring over to Citi Bank and our credit card. Could not do anything more but indicated he had contacted Citi Bank Resolution department and to contact them with the case number he said was opened- Case Number XXXX XXXX - call XXXX. 
XX/XX/XXXX - Called XXXX spoke to XXXX. Transferred to different department- XXXX. No updates- could not find case # - told me to call back in 30-90 days then hung up on me. 
XX/XX/XXXX - Late calls continued with late fees. 
XX/XX/XXXX - Paid off most of credit balance. Will not risk credit rating and harassing calls for a {$50.00} balance. 
XX/XX/XXXX - called XXXX ( Citi Bank ) to follow-up with case number. Spoke to XXXX who said they have nothing in their notes about a complaint and suggested I call XXXX XXXX @ XXXX to inquire. 
XX/XX/XXXX - called XXXX ( XXXX XXXX ). Automated system - requested Customer Service Department - reason I stated - complaint. Was disconnected. 
XX/XX/XXXX - made final payment of {$19.00} for original charge and credit which was not received to zero out balance. 
**Not sure if this is a Citi Bank issue or a XXXX XXXX issue but I have spent HOURS going through automated systems, being transferred back and forth, and being disconnected. Total paid which I'm requesting refund for - {$78.00}

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 monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, 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: KS

Complaint narrative:
I wrote a letter to the XXXX XXXX informing them that I would like them to cease and desist the reporting of my non public private information to the credit reporting agencies. On XXXX I recieved a response stating that they are REQUIRED to report my private information to the ( CRA 's ). There is no such law stating that ANYTHING has to be reported to any ( CRA ) in fact 15 usc 1681a s ( 2 ) ( i ) states in the construction of a consumer report excluded should be '' information solely as to transactions or experiences between the consumer and the person making the report ; ''. Furthermore according to case law XXXX its determined that ( CRA 's ) are so intertwined with the banking system that they are considered financial institutions and governed by the gram leach bliley act under this act for two financial institutions to share information they are to provide me a privacy notice and an option to opt out of the sharing of that information. upon calling the number to speak with a " knowledgeable account manager XXXX from Delaware '' she informed me that there was no such option to opt out and that company policy requires the policy and the only way I could speak to the legal department was if I was a lawyer my self. this company is both liable for willful and negligent noncompliance. 

" 15 U.S. Code 6802 B optout ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''

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 2023-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi, I am the executor of the estate of my sister XXXX XXXX XXXX. I have been trying to close an account that my siister had at Capital One. Account number XXXX ; Capital One XXXX # : XXXX. 

The only way to contact Capital One regarding estate case is by email. On XX/XX/2023, I emailed XXXX. I received an automatice response stating that I will be contacted in 5 business days. if I have othe questions, call ( XXXX ) XXXX. I waited for a call from Capital One. When no one contacted me I called the ( XXXX ) XXXX. It is a general nubmer for Capital One. I was told that the only think they could do was send an email to XXXX. 

On XX/XX/XXXX, XXXX, I send another email to XXXX. I received another automatic response telling me I would be contacted within 5 business days. On XXXX????, XXXX, I wrote a letter to the XXXX, XXXX XXXX. 

It is now XX/XX/2023 and I have not been contacted by Capital One or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the repor
t by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
XX/XX/XXXX there were 4 unauthorized hard inquiries to my account. One of which has been removed I contacted all the companies that I had contact information for. 

XX/XX/XXXX there were 2unauthorized hard inquiries to my account. 

I was in Maine when these inquiries were made and on XX/XX/XXXX I was at a hockey game in Maine which their were witness so I clearly was not in Texas. 

I have contacted the Texas police multiple time to attempt to file a police report and my local police station with no luck of getting a police report. Which when I call they keep telling me I need to send in a police report but offer not help on how to get one when I explain Im having difficulty reporting it to the police just the same line you need to send paperwork into us.

I have called Equifax and mailed in a report from the federal trad commission which they have no record of So I will be attaching it to this report. 

I also inquired why my XXXX XXXX XXXX XXXXXXXX was removed from my report in XXXX of XXXX with no luck getting any information from them on why or who authorized it which also hurt my credit. 

I wish they would have been this though when someone stole my identity. I have informed them that this was not authorized and its been over a month since the first inquiries on XX/XX/XXXX. 

I also identify as a person with a XXXX and am suffering from the stress from the identity theft and the company 's process to resolve the issue. They should need to prove these transactions were authorized at this point which they can't do because I have witness that put me on the opposite end of the US at the time these were made. 

If they have any questions they can contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX says I owe them {$210.00} for auto insurance. They took my payment out of my checking on XX/XX/2023. I cancelled my insurance on XX/XX/2023. It seems they are trying to charge me for another month. I do not owe it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation