vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened my XXXX XXXX in my Capital One App on XX/XX/XXXX to see an inquiry made on my account through Capital One and XXXX on XX/XX/XXXX. I also saw another inquiry a day later through XXXX. I did not authorize any kind of inquiry and Capital One and XXXX in particular has been giving me the run around with the dispute process. The damages resulting from the negligence of these parties have been a XXXX point dip in my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: NJ

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 non-monetary relief
Consumer complaint received 2024-03-05 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I filed a complaint about Bank of America on XX/XX/XXXX, and received a response from said company in writing on XX/XX/XXXX that advised that I requested that the account be closed on XX/XX/XXXX. I have called XXXX XXXX to discuss this matter and have not received a response. 

I never made any such request. This request would have to be made in writing and therefore there should be some documentation to support this claim. I am requesting proof as soon as possible. 

Thank you, 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 2024-03-05 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: FL

Complaint narrative:
I have requested for XXXX to remove reported late payments for all XXXX accounts by dispute online and in writing and it has yet to be updated. I have contacted XXXX and they have sent me proof that I havent had any late payments. This is a student loan account which has been on a IDR of {$0.00} since it has been with XXXX and prior to. However, XXXX refuses to update this information and these late payments are effecting my overall payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
my credit report is showing inaccurate information address i have never lived and phone numbers i have never had 15 usc 1681 states that my credit report must be accurate and this information is not which is a violation

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 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: MO

Complaint narrative:
Client paid through check for {$50.00}. Bank accepts check. 3 months later, bank returns check and removes {$50.00} from my account for non-legibility, images received by bank and returned to me are perfectly legible. No further guidance was given to me regarding a return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Closed Credit Account 's. Closed for reason that are against Terms and Regulations. Incorrectly reporting History and Changing Information between Disputes that is inaccurate and Fraudulent. 

XXXX ) XXXX XXXX XXXX XXXX - Account Paid In Full. 
- Account Never Paid Late.

- Balance, Credit Limit, Payment Dates and More Reported Incorrectly -Fraudulent Changes and Reporting of Credit Reports . Numerous Changes From Reporting Late Payments to Never Late/Closed between Disputes. 
- Closer Of account Went Against Terms and Conditions XXXX ) Capital One Platinum Card - Payment Made Was Retuned due to account Locked Due to Fraud Alerts, But Still Paid on Time and as agreed.

- No Notice Of Returned Payment - No Notice Given For Anything Regarding Terms I went Against - Balance is Reported Incorrectly - Account Never Late - Account Always paid on Time/ As Agreed 3 ) Capital One Rewards Card -Payment Made Was Retuned due to account Locked Due to Fraud Alerts, But Still Paid on Time and as agreed. 
-Closer Of account Went Against Terms and Conditions -Account Always paid on Time/ As Agreed -Fraudulent and Incorrect Reporting on Credit Reports For Credit Limit , Balance History, High Credit Balance, Payment Dates and More.

- Numerous Changes Of Dates of Payments, Credit Limit, High Credit History, Balance, and Dates of when Claiming Payments Were Late Between Disputes. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account Always paid on Time/ As Agreed - Closer Of account Went Against Terms and Conditions -Fraudulent and Inaccurate Reporting of Credit Reports of Credit Limit , Payment Dates and Amounts, and More.

- Numerous Changes Of Dates of Payments, Credit Limit, High Credit History, Balance, and Dates of when Claiming Payments Were Late - Credit Report Shows Past Due Balance of {$0.00} on Months Claimed as Late, but still Shows 2 Late Payments XXXX ) XXXX XXXX XXXX - Paid Off in Full and Closed. 
-Always Paid On Time.

- Account Was Closed By Me, Not Creditor.

- Fraudulent Changes and Reporting of Credit Reports. Numerous Changes From Saying Late Payments, to Never Late/Closed between Disputes. 

XXXX ) XXXX XXXX XXXX - Change of Late Payment Date - No Report of Credit Limit that Negatively Effects Credit Utilization

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Through a PayPal transaction ( XXXX {$2400.00} ) sent to be me of XXXX my dad 's life insurance policy from thefuneralhome was sent XXXX ; it was NOT sent as a " friends and family '' transaction in error. Because of this Paypal placed the funds on hold accessing a transaction fee, asked for a tax ID & stating 24 % of the amount would be sent to the IRS.Once they realized it was life insurance proceeds, Paypal said they could do a reversal but they were the unable to ; then they tried to walk me thru a refund, but we kept getting an error message stating the 24 % would still go to the IRS ; they opened up 2 online tickets thru chat the XXXX week in XXXX XXXX  ; I have been contacting them thru chat and phone throughout XXXX and are constantly told either engineering still has not resolved the ticket or that a supervisor will call within 4 hours. I am not sure how they can be allowed to hold someone's money!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I have repeated called NewRez to discuss a loan assumption. My partner died of XXXX XXXX XXXXXXXX ( XXXX  ) and left me our home. I have been paying the mortgage on our home since his death in XXXX. 
- The phone numbers posted on NewRezs website are incorrect.

- When I am able to connect with the company ( via a loan officer ) they wont talk to me about the loan and claim they havent received the proper documents from me to discuss the loan.

- They initially provided wrong/misleading guidance on the proper documents to discuss the loan. ( They tried to claim the original, raised seal death certificate was not an official document. They also claimed the will is not an official document even though it was accepted by the probate courts in XXXX XXXX, IL ) - I have emailed the documents required to discuss the loan repeatedly, but they still claim to have not received them. 
- Whenever I try to speak to someone in assumptions as my case is unique ( my partner and I werent married ), they tell me their assumptions department does not have a phone line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Closed Credit Account 's. Closed for reason that are against Terms and Regulations. Incorrectly reporting History and Changing Information between Disputes that is inaccurate and Fraudulent. 

1 ) XXXX XXXX XXXXXXXX XXXX - Account Paid In Full. 
- Account Never Paid Late.

- Balance, Credit Limit, Payment Dates and More Reported Incorrectly -Fraudulent Changes and Reporting of Credit Reports . Numerous Changes From Reporting Late Payments to Never Late/Closed between Disputes. 
- Closer Of account Went Against Terms and Conditions 2 ) XXXX XXXX XXXX XXXX - Payment Made Was Retuned due to account Locked Due to Fraud Alerts, But Still Paid on Time and as agreed. 
- No Notice Of Returned Payment - No Notice Given For Anything Regarding Terms I went Against - Balance is Reported Incorrectly - Account Never Late - Account Always paid on Time/ As Agreed XXXX ) XXXX XXXX XXXX XXXX -Payment Made Was Retuned due to account Locked Due to Fraud Alerts, But Still Paid on Time and as agreed. 
-Closer Of account Went Against Terms and Conditions -Account Always paid on Time/ As Agreed -Fraudulent and Incorrect Reporting on Credit Reports For Credit Limit , Balance History, High Credit Balance, Payment Dates and More.

- Numerous Changes Of Dates of Payments, Credit Limit, High Credit History, Balance, and Dates of when Claiming Payments Were Late Between Disputes. 


4 ) Citi AA Advantage Card - Account Always paid on Time/ As Agreed - Closer Of account Went Against Terms and Conditions -Fraudulent and Inaccurate Reporting of Credit Reports of Credit Limit , Payment Dates and Amounts, and More.

- Numerous Changes Of Dates of Payments, Credit Limit, High Credit History, Balance, and Dates of when Claiming Payments Were Late - Credit Report Shows Past Due Balance of {$0.00} on Months Claimed as Late, but still Shows 2 Late Payments 5 ) XXXX XXXX Account - Paid Off in Full and Closed. 
-Always Paid On Time.

- Account Was Closed By Me, Not Creditor. 
- Fraudulent Changes and Reporting of Credit Reports. Numerous Changes From Saying Late Payments, to Never Late/Closed between Disputes. 

6 ) Amex Platinum Card - Change of Late Payment Date - No Report of Credit Limit that Negatively Effects Credit Utilization

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 2024-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AR

Complaint narrative:
I have a {$200.00} gift card from XXXX, and after I tried to use the card to purchase a money order the company immediately cancelled the transaction and blocked the card. I called the company and requested my funds to be mailed to me expeditiously via XXXX or XXXX, and I was not able to get any confirmation on that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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:
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 : Discover Bank has violated my rights.

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

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 explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am deeply dissatisfied with your failure to correct and remove inaccurate, incomplete, or unverifiable information from my credit report despite numerous requests and evidence provided. This negligence directly violates my consumer rights and calls into question your bureau 's integrity. 
I demand immediate action to rectify this situation and ensure that my credit report reflects accurate and verifiable information. The following accounts are reporting inaccurately and must be deleted promptly : 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 XXXXXXXX ) is inaccurate, as no case was tried or seen, and no judgment was made. Please remove this account immediately.

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 2024-03-05 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-03-05 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I cant get back my {$1400.00} worth of money after being scammed.

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 2024-03-05 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: TX

Complaint narrative:
I opened my XXXX XXXX in my XXXX XXXX XXXX on XX/XX/XXXX to see an inquiry made on my account through XXXX  XXXX and TransUnion on XX/XX/XXXX. I also saw another inquiry a day later through XXXX. I did not authorize any kind of inquiry and XXXX XXXX and TransUnion in particular has been giving me the run around with the dispute process. The damages resulting from the negligence of these parties have been a XXXX point dip in my 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 2024-03-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I opened my XXXX XXXX in my XXXX  XXXX App on XX/XX/XXXX to see an inquiry made on my account through XXXX  XXXX and XXXX on XX/XX/XXXX. I also saw another inquiry a day later through Experian. I did not authorize any kind of inquiry and XXXX XXXX and XXXX in particular has been giving me the run around with the dispute process. The damages resulting from the negligence of these parties have been a XXXX point dip in my 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 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit International Corporation
State: CA

Complaint narrative:
The Collection agency is called ( Credit International Corporation ). Whenever their agent contacts us, they refuse to provide information and insist on immediate payment. When we inquire about the amount or the case, they claim ignorance. Despite requesting to speak with a manager multiple times, we have not received a call back, except for one occasion where a manager provided some information and we made a few payments. Subsequent attempts to contact the manager, XXXX, via email were left unanswered. When we spoke with the agent, XXXX XXXX, he informed us that she is no longer in his department or his manager.

Today, upon reviewing my personal credit report, we discovered an attached account filed by Credit International Corporation for $ 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