vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I originally called on XXXX to change my last name on my two credit cards I have with Capital One ( Quicksilver : XXXX and XXXX XXXX ). I was told that since I have a checking account ( # XXXX ) open, that my last name can not be changed on my credit cards. I told them I haven't used the checking account in over XXXX. After being on the phone with them for over an hour and being transferred everywhere, they said the account would be closed and to call back the next day. I called back on XXXX to confirm that the checking had been closed, and the rep said they didn't see any notes on the account that I called nor that the checking account had been closed. So, another hour on the phone to get this done. They said to wait 1-3 days and call back. SO, on XXXX I called back and was on the phone for almost two hours this time. By then, I'm losing patience. They said wait 7 days and it will be closed. I'm tired of getting the run around. I haven't used the checking in two decades, I need to change my last name, which was granted by a judge on XXXX and I haven't even gotten to the name change process with Capital One, because I can't get passed the issue of the checking account. This is extremely frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: LEXISNEXIS
State: WI

Complaint narrative:
I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-01-12 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: NJ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: NJ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a complaint against the Capital One Bank which was described as follows : " On XX/XX/2023 there was a wire transfer from my business checking account with Capital One Bank in the amount of {$290000.00}. My account was debited this amount. I got a call from the bank about this wire soon after it was done to ask if it was me. I told the bank that I did not do that nor I am familiar with the company to which wire transfer was done. They were aware that the wire transfer was made to XXXX XXXX XXXXXXXX and I was told that they had made a recall on it. For the next two weeks I was told that they are investigating. In the third week I was told that bank is not going to return my money. I had a small business checking account no. XXXX with Capital One Bank which has been deactivated now ''. 

As per CFPB the case was closed as bank responded but what bank responded is a complete lie in which says that I contacted them on XX/XX/XXXX and brought to their attention the fraudulent transaction. The bank was very much aware of the transaction when it occurred but did not stop it. As you can see from the emails of bank which are uploaded that the bank was communicating with me since XX/XX/XXXX and telling me that they are trying to get the funds back and I was supposed to wait. 

I am suffering due to bank 's negligence and hope for a fair treatment from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2024-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX : {$430.00}.

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 2024-01-12 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: CA

Complaint narrative:
I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX : {$430.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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 am submitting a complaint on my own behalf to address an issue regarding unauthorized inquiries on my credit record.

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 2024-01-12 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: MD

Complaint narrative:
TransUnion has furnished multiple hard inquiries to my credit without my express written consent ranging from the date of XX/XX/XXXX through XX/XX/XXXX. I don't recognize any of these inquiries and want them removed immediately from my reports. Enclosed is documentation from my XX/XX/XXXX TransUnion credit report showing the inquiries in question, notaded by a question mark in orange. There's is only 1 inquiry that I recognize on this report. Thank you

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 2024-01-12 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: LA

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

Company 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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been disputing the enclosed information for over 8 monthsonly to receive the runaround and stall correspondence from not only the creditor XXXX but also the credit bureaus.

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 2024-01-12 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
PENNYMAC LOAN SERVICES LLC COMMITTED GRAND THEFT AND FORGERY AGAINST MY NAME AND PROPERTY! I AM XXXX AND WHEN I HAD TO LEAVE MY HOUSE FOR AN OPERATION THEY BROKE IN AND STOLE IT. UPON RECEIVING SOME OF THE DOCUMENTS I GOT TO LOOKING AND THEY WERE BRAVE ENOUGH TO FORGE MY SIGNATURE MULTIPLE TIMES. ONE OF THEIR EMPLOYEES CLAIMED THAT THEY MAILED ME SOMETHING AND I DIDN'T RESPOND IN 5 DAYS SO THEY ASSUMED I HAD ABANDONED THE PROPERTY EVEN THOUGH ALL OF MY BELONGINGS WERE INSIDE. THE EMPLOYEE STATED THAT SOMEONE DID IN FACT BREAK INTO MY HOUSE AND CHANGE THE LOCKS. THEY THEN SOMEHOW STOLE MY DEED TO THE PROPERTY AND SOLD MY HOUSE TO THE HIGHEST BIDDER WITH OUT EVEN NOTIFYING ME. THE EMPLOYEE ASKED IF I HAD NOTIFIED PENNY MAC THAT I WASN'T GOING TO BE LIVING AT THAT PROPERTY FOR A COUPLE MONTHS AND THE ANSWER WAS YES. PENNY MAC IN FACT WAS SENDING ME MAIL AT MY PARENTS RESIDENCE. I HAD HEALTH RELATED ISSUES AND WAS NOT ABLE TO TAKE CARE OF MYSELF PHYSICALLY SO I HAD TO MOVE BACK HOME FOR A SHORT AMOUNT OF TIME. They stole property from a XXXX  person. They also filed taxes using my social security number and forged signatures. The last time i called to ask questions the employee asked me this " well what logo is on the piece of paper? '' And as i'm describing it to her there were huge differences in logos. That only pertained to that one document and also the packaging that all of the documents came in was different. So that's how they are trying to avoid punishment by claiming they werent the ones who sent the documents... They sent out a huge packet of fake documents almost 60 days after i originally asked for them. Some of the documents say page 8 of 9 and the bottom will say 1 of 3 on the same document. They are cleary forged. The employee also told me the reason they can break into my property is because they have invested in it. The weird thing is my promisory note never mentioned their name at all. The employee claimed they sent me an offer in the mail and I didn't reply so that gave them the power to start a contract with them that involved me being in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Towards the end of XX/XX/XXXX, I opened a business account with PayPal to facilitate my online store which sells digital goods and services. I provided all of the required business information including the business XXXX and state licensing information. The account was approved and opened within XXXX hours. Paypal immediately started collecting payments on XX/XX/XXXX ( the day the webstore launched ) up until XX/XX/XXXX when my account was " frozen '' for additional review. I was required to submit a copy of my photo ID and a short description regarding the details of my business, which I provided the same day. The system stated there was a 5 day turnaround for review. Approximately 10 business days later, after seeing no change to the account I phoned PayPal for an update. I was given the runaround and eventually told the review was still pending but that I would have a response no later than XX/XX/XXXX ( which was well beyond the 5 day initial review time ). I waited and upon noticing no activity as of XX/XX/XXXX I phoned PayPal again. At first I was told they were waiting on me to submit the required items I had already sent the day the account was " frozen '' ( XX/XX/XXXX ) so I asked for a supervisor to check again. After a 30 minute hold the supervisor came back and stated " my account was deemed too risky and set to " permanently limited '' status ''. I asked why and they stated they do not wish to part-take in digitial goods and services of my sort. I told them that was ironic because XXXX sells the exact same digitial products and services as a multi-million dollar company and have no issues with their PayPal services. The rep had no response. At this point all I wanted was PayPal to refund all of my customers money so I could have them repurchase their items via a different payment processor. They stated they were unable to do so for 180 days. I asked why that was the case and the response was because if any of the customers open a dispute on any of the collected charges, they would have the collected funds to settle said disputes. I pointed out the illogical stance of that policy : if the customers are all refunded, there is no way to create a dispute. The supervisor agreed but defaulted to a canned response of " I understand, but the system wont let me make any changes for 180 days ''. Long story short : PayPal eagerly accepted approximately {$500.00} in payments prior to performing their " due diligence '' on my business until after the fact and are now unwilling to release or even refund the original customers payments. Meanwhile the customers have been enjoying the digital goods and services they technically haven't paid for and my business is out the {$500.00}, while it is held in this nonsensical limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: CA

Complaint narrative:
Per the 1974 Privacy Act and 15 USC 6802,6803,6804 and 6805. I requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all accounts from reporting to third-party companies such as XXXX, XXXX, Transunion, XXXX XXXX and XXXX XXXX XXXX I am exercising my rights as a federally protected consumer under Fair Credit Reporting Act and related statues for consumer protection. I have yet to hear back from XXXX XXXX XXXX XXXX in regards to my request. I ask that they immediately remove all correspondence with any third-party agencies per my request and have all third-party agencies update their files per my request. I have never giving XXXX XXXX XXXX XXXX any permission to share my accounts with any third-party agencies. I uploaded the letter that was sent but never received a response to this demand.

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 2024-01-12 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: CA

Complaint narrative:
Per the 1974 Privacy Act and 15 USC 6802,6803,6804 and 6805. I requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all accounts from reporting to third-party companies such as XXXX, Equifax, XXXX, XXXX XXXX and XXXX XXXX XXXX. I am exercising my rights as a federally protected consumer under Fair Credit Reporting Act and related statues for consumer protection. I have yet to hear back from XXXX XXXX XXXX XXXX in regards to my request. I ask that they immediately remove all correspondence with any third-party agencies per my request and have all third-party agencies update their files per my request. I have never giving XXXX XXXX XXXX XXXX any permission to share my accounts with any third-party agencies. I uploaded the letter that was sent but never received a response to this demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Per the 1974 Privacy Act and 15 USC 6802,6803,6804 and 6805. I requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all accounts from reporting to third-party companies such as Experian, XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX I am exercising my rights as a federally protected consumer under Fair Credit Reporting Act and related statues for consumer protection. I have yet to hear back from XXXX XXXX XXXX XXXX in regards to my request. I ask that they immediately remove all correspondence with any third-party agencies per my request and have all third-party agencies update their files per my request. I have never giving XXXX XXXX XXXX XXXX any permission to share my accounts with any third-party agencies. I uploaded the letter that was sent but never received a response to this demand.

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 2024-01-12 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation