vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank credit card account is not showing up on 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 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
This is reporting has charged off but this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I have been a victim of identity theft! Police reports on file! My data has been breached. I have been fighting these for a few years! They are not my debt! I have never had cards and or accounts opened! I went to renew my license and there was an issue there! I have been trying to resolve this so I can be free of the stress and freedom to not see what has opened or come up again. Please help me! I believe I have opened up a previous case with ftc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: VA

Complaint narrative:
I am writing to formally address an ongoing issue with the reporting of an account that I believe is inaccurately reflected on my credit report. After reviewing my recent credit report from your bureau, I have found that the account XXXX XXXX XXXX continues to report incorrect information, despite my prior attempts to rectify the situation. 

As outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681s-2, and 1681c, I am requesting that you immediately take action to ensure the information regarding this account is fully corrected and that the updated and accurate details are reflected in my credit file.

Under 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Furthermore, 15 U.S.C. 1681s-2 places responsibility on furnishers of information ( including creditors and financial institutions ) to report accurate data to the credit bureaus. Lastly, 15 U.S.C. 1681c sets clear guidelines regarding how long negative information, such as charge-offs, should remain on a credit report, and mandates that any outdated or erroneous data be promptly removed. 

If the inaccurate information continues to be reported, I will have no choice but to pursue legal action against your organization for violating the FCRA, as it is essential that all information reported on my credit report be accurate and in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: GA

Complaint narrative:
Last month my credit score was XXXX. Until Equifax stepped in and lowered it to XXXX or XXXX. Equifax has no right to lower credit scores just because they are trying to please their customers the banks. Equifax pretends it has something to do with facts hence the XXXX XXXX meaning EQUAL and FAX meaning facts. There is not a single thing on my credit report that is a delinquency or a debt. By what measure does Equifax arbitrarily decide that my accounts are " too recent? Equifax kept me in the wilderness for a decade publishing not delinquencies but DISPUTES. Equifaxs customers are businesses who have the upper hand when reporting alleged debts and the consumer can just fume all they want. Equifax ruins lives. They have certainly ruined mine. I was just about to rent an apartment and now I have to deal with a poor rating on of XXXX on my Equifax credit report. Having shut me out of credit products for a decade which was followed by Equifaxs claim that there was no credit history. Whos fault was that? The Equifax XXXX. When you have no credit history, you still cant get credit cards or loans. In XXXX I started banking with XXXX which Equifax must hate because it helps consumers become creditworthy. Equifax has lowered my credit score to please the banks. Thats the truth and nothing but the truth. I demand that my credit score be raised to XXXX or above immediately and that Equifax send me a new credit report reflecting a score of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: CO

Complaint narrative:
I am writing to express my extreme frustration and concern regarding the delay in my direct deposit, which was released by my employer on XX/XX/year>, as it always is. I am always paid on Thursday evenings, but as of Friday, XX/XX/year>, I still have not received my payment. This delay is causing significant issues for me, as I can not pay my rent or bills without it. 

This delay is negligence on your part, and I believe your failure to process my direct deposit should result in compensation for my time, any late fees, and a breach of contract. I worked hard for this money, and your failure to process the deposit is unacceptable. 

I spent over an hour on hold trying to speak with a representative who offered no assistance. She repeatedly told me that there was no direct deposit on your end, and that it would likely come through eventually. Meanwhile, I used a second phone to access your chat function, and I saw that your team is aware of an issue. In the chat, I was informed that there was a delay, but when I asked for clarification regarding the message stating, Our team is aware of an issue that may delay direct deposits and were actively working to resolve this, the representative I spoke with, XXXX, could offer no further information and stated that you do not have the funds available. 

It is clear to me that I have been lied to and misled throughout this entire process. Your customer service has been atrocious and has only served to waste more of my time while withholding my earned income. I have proof that my employer released the funds on time, and my coworkers have all received their payments as expected. 

This situation is not acceptable and will not be tolerated. I expect immediate resolution and compensation for the time and inconvenience caused. If this issue is not addressed promptly, I will be seeking legal recourse. 

Please respond as soon as possible to confirm the status of my direct deposit and to arrange for compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: LA

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 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 2025-01-03 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: AR

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 1 kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-01-03 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: AR

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 1 kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Re : Dispute of Inaccurate Information XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy of late payment information reported on my Equifax credit report for the above-referenced account. Pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), I am requesting an immediate investigation into this matter and the correction or removal of the inaccurate information. 

The late payments reported on my Equifax credit report are inaccurate and inconsistent with the information provided on my XXXX and XXXX credit reports, where this account reflects no late payments. The discrepancy suggests either an error in the reporting by the data furnisher or a mistake in Equifaxs processing of the data. 

Details of the Dispute : Account Name : XXXX XXXX XXXX XXXX XXXX Discrepancy : Late payments reported on Equifax but not on XXXX or XXXX Under the FCRA, credit reporting agencies are required to ensure maximum accuracy in consumer reports. Additionally, Metro 2 data standards mandate uniformity and accuracy in the reporting of credit data. The late payments on this account appear to violate these standards, as the same account is accurately reported on XXXX and XXXX without any late payments. 

Relevant Metro 2 Code Reference : Compliance Condition Code : This account should reflect " CCC = X '' ( no late payments ) across all bureaus. 

Payment Rating : The reported Payment Rating should be reviewed to ensure it is consistent with the absence of late payments. 

Account Status Code : Verify that the " Account Status CodXXXX '' aligns with a current account without delinquencies. 

I kindly request the following : An investigation into the inaccurate reporting of late payments on this account. 

A correction or removal of the inaccurate late payment information on my Equifax credit report. 

Written confirmation of the results of your investigation. 

Enclosed, please find copies of my XXXX and XXXX credit reports for your review, highlighting the accurate reporting of this account without any late payments. Additionally, I have attached a copy of my identification and proof of address to assist in verifying my identity. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: AZ

Complaint narrative:
When I reached out to the company it was to help me repair my credit. I had to pay {$190.00} up front and a monthly fee. After 4 months of seeing no change I contacted the company and was told my account was being worked on but still to this day nothing had ever been worked on. I ended the services due to when I called to get updates the person I spoke to was rude and was not able to give me an update but kept asking for all my personal information such as my ID number and Social Security Number. I was uncomfortable with the way the call was going I asked to speak to a supervisor and was placed on hold and then the call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: OH

Complaint narrative:
I XXXX XXXX AUTHORIZED REPRESENTATIVE ( POA ) HAVE ALL RIGHTS TO ADDRESS ANY ALL ACCOUNTS ON MY CREDIT REPORT. NOT NO CORPORATIONS ( DEAD ENTITY ) should never speak or report without my consent. I HAVE IRS TRANSCRIPT THAT SERVE AS MY AFFIDAVIT THAT IM THE POWER OF ATTORNEY OF MY ACCOUNTS, AFFAIRS, and ETC OF MY ESTATE. I DO HAVE XXXX XXXXXXXX XXXX TRANSCRIPT TO PROVE THAT THIS DEBT BEEN DISCHARGED AND SHOULD BE UPDATED ON MY CREDIT REPORT AS PAID IN FULL WITH A XXXX BALANCE ON ALL AGENCIES CREDIT REPORT : XXXX, XXXX, TRANSUNION. Im giving them 10 DAYS TO FIX THIS ISSUE IMMEDIATELY! This is defamation of Character which carry a heavy penalty on my credit report that will be handled in XXXX XXXX cause Im a living sovereign man.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I XXXX XXXX AUTHORIZED REPRESENTATIVE ( POA ) HAVE ALL RIGHTS TO ADDRESS ANY ALL ACCOUNTS ON MY CREDIT REPORT. NOT NO CORPORATIONS ( DEAD ENTITY ) should never speak or report without my consent. I HAVE IRS TRANSCRIPT THAT SERVE AS MY AFFIDAVIT THAT IM THE POWER OF ATTORNEY OF MY ACCOUNTS, AFFAIRS, and ETC OF MY ESTATE. I DO HAVE XXXX XXXXXXXX XXXX TRANSCRIPT TO PROVE THAT THIS DEBT BEEN DISCHARGED AND SHOULD BE UPDATED ON MY CREDIT REPORT AS PAID IN FULL WITH A XXXX BALANCE ON ALL AGENCIES CREDIT REPORT : EQUIFAX, XXXX, XXXX. XXXX giving them 10 DAYS TO FIX THIS ISSUE IMMEDIATELY! This is defamation of Character which carry a heavy penalty on my credit report that will be handled in XXXX XXXX cause Im a living sovereign man.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: VA

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: IN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-03 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: DE

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-01-03 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: WY

Complaint narrative:
I started a credit freeze and fraud alert on my accounts mid XX/XX/2024 with Experian after a major security breach in the US. 
I opened accounts with XXXX and XXXX as well and have had no issue with logging back in to those accounts. 
I have NEVER been able to log back in to the Experian account from the initial set-up despite knowing the log in information. I have attempted to change the password numerous times, used " the other '' method of logging in, i.e. cell phone and last 4 of SS. I have followed the recommendations of the automated response system and ultimately end up with the error message " OOPS, we're sorry! We are currently unablet o process your request. '' I have wasted hours on the phone sporadically since mid XXXX attempting to by-pass the automated response system and can't get through to a person. Typically the automated response system just ends the call without forewarning or starts a loop repeat. I have sent numerous e mails to Customer Service with no response. 
I am planning on making a major purchase in the next months and will need to make changes to this credit freeze along with the fact that I SHOULD BE ABLE TO LOG BACK IN TO MY ACCOUNT WHEN I NEED TO!

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 2025-01-03 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: DE

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX  ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
All of my accounts were hacked and drained USAA has not done anything to help me. I am a XXXX  XXXX XXXX XXXX and have had no one contact me regarding the status of what is going on. There have been no provisional funds issued and I have bills coming out. When I call- the recording says they cant speak to me and I can not get anyone on the phone. They have been grossly incompetent at every level!

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