vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a checking account with Capital One lately and I received my first direct deposit from an employer. When I go to my banking phone app I notice something that says : Your funds are currently not available for withdrawal. please call us at XXXX. 

I called the number and spoke to an agent and the agent told me to go a Capital One branch. I went to a branch and the asks me for my ID, I provided my Employment Authorization Card which I used to open the account in the first place. The agent told me to provide another form of ID, and he asked me specifically for my password. On the next day, I came back to the bank with my passport. I met with another agent who asked me for my Social Security Card and I was upset and asked why they didnt asked me that yesterday. I came back to my place and bring back my social security card some minutes later. I met with another agent to whom I handed my Social Security card. She called on the phone multiple times, I waited for a long time just for the agent to let me know that my Social Security is so new that they had a hard time verifying it, and that was the reason they placed restrictions on my account. The agent couldnt provide a timeframe for the investigation. So I went out with the issues not resolved still. 

After some days, I called Capital several times only for them to tell me that they are still investigating. Last Monday, which was the XXXX XXXX XXXX XXXX I opened a checking account with another bank, and they didnt have any hard time verifying my social security. Today I called Capital One again, and they still investigating and I asked for details and they couldnt provide any details about the investigation. 

I being this was enough and I decided to file this complaint. Today I told the Capital One agent that I dont want any account with them anymore, I just need my money and close the account. The agent told me that I have to wait until they finish their investigation for that. This is frustrating and I want my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
The XXXX XXXX XXXX used misleading tactics and false information to convince students and prospective students to take student loans and attend the school. The school gave false job placement rates, false payment expectations and never followed through with promised school led employment assistance. The reality of what the industry was like that I was getting an education for was far different from what they painted it to be when soliciting me to take loans. The industry did not pay the way they described it and I immediately became bogged down in life with my student loan payments. It has irreparably affected my life in countless negative ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: TX

Complaint narrative:
I received an email from. XXXX XXXX on behalf of Jefferson capital system llc trying to reach out for an over XXXX XXXX XXXX debt from XXXX. I have requested to see the original signed contract signed at the start of service with XXXX Since the first email Ive started receiving consecutive communication

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-08-28 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: RI

Complaint narrative:
I do not know these inquiries and am not linked to the listed creditors.

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 2024-08-28 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:
I recently received a copy of my ( Experian, XXXX, XXXX ) credit report, and I noticed some late payments on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Acct # XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These companies are in clear violation of the law. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give written instructions to furnish this account on my report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Also, this agency is in violation of the law, 15 U.S. Code 1666b - Timing of payments a ) Time To Make Payments ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. THIS AGENCY HAS NEVER PROVIDED, MAILED, OR DELIVERED ANYTHING ACCORDING TO TIMING OF PAYMENTS. Please delete and update the late payments from my consumer report, this agency is in violation of several consumer laws which should be acted upon 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 explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

AARGON AGENCY INC Reported : XXXX XXXXXXXX XXXX XXXX {$750.00} Needs Attention AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I have called Aargon agency and XXXX XXXX for a break down of my bill and payments I have made. I was told account was paid in full. I asked for Letter stating account was paid in full. They refuse to issue payment receipt or receipts for any payments I have made. I can not provide a final payment without a statement or receipts for payments I have made. The account was sent to collections without verification of amount due and notice to me with an accounting break down. I was sent back and forth between XXXX XXXX and Aagon Agency. A simple account break down of payments and amount due has not issued. Just demands for payments have ben made. Unethical business practices. Please take this off XXXX credit reports and issue what I asked to make a proper payment " IF OWED ''. The amount in question may be in correct.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I originally opened an Ollo XXXX ending XXXX in XXXX which had a {$1000.00} initial credit line. In XXXX I learned Ally bought Ollo and to prepare for the acquisition, they began updating the card numbers, which caused the original account to change to XXXX XXXX. My card stayed under Ollo XXXX until XX/XX/XXXX at which time Ally replaced the card with their own, however the account number ending XXXX remained and has remained the same. Ollo stopped being reflected on my statements in XX/XX/XXXX, in XX/XX/XXXX Ally branding took over. However, in XX/XX/XXXX, I decided to open A NEW CARD directly with Ally to help build the relationship. I was approved and issued Ally XXXX ending XXXX which started and has remained with {$800.00} limit. That card is reporting and has reported since its opening. My issue is that my credit report HAS NO RECORD of the Ollo/Ally XXXX account whether you start from XXXX OR after the merger in XXXX. Thats 2 whole years of credit activity that is missing COMPLETELY. I just pulled my CR on XXXX and there isnt even a closed account under these details from Ollo or Ally. I am trying to repair my credit and this has actually lowered it significantly. I demand that Ally immediately update their records with ALL 3 Bureaus with the correct and accurate info for Ally XXXX XXXX starting from XXXX and going thru current date and onward. I have tried getting them to do this directly but they made me send a request and my CR but can not tell me when or how they are going to fix it. I called them on XXXX and XXXX and XXXX but they are unable to provide any information other than and I quote - WE REPORT TO ALL BUREAUS AND YOUR INFORMATION IS REPORTED AFTER EACH STATEMENT IS RELEASED, WITH THE NEXT ONE DUE XXXX. That can not be correct because I have 2 years of statements online I can pull and NOT one has shown up on my CR at any time. I have also hired a credit repair company that has sent validation to the bureaus and Ally has failed to update ANY information as legally required under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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:
My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE THIS FRADULENT HARD INQURIES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was a victim of identity theft I made a report my identity continues to be used in opening fraudulent accounts and making hard inquiries. These accounts are now affecting my credit report and Ive been trying to get them removed. I was advised by the credit bureau to fill this form out to have the accounts updated and removed from my credit filed due to identity theft. 

XXXX XXXX XXXX police report Report number XXXX The following was provided to me today by XXXX Capital one bank USA NA account number XXXX {$2300.00} Capital one XXXX {$4800.00} Capital one XXXX $ XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$14000.00} XXXXXXXX XXXX XXXXXXXX {$3900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: DISCOVER BANK
State: MD

Complaint narrative:
I was a victim of identity theft I made a report my identity continues to be used in opening fraudulent accounts and making hard inquiries. These accounts are now affecting my credit report and Ive been trying to get them removed. I was advised by the credit bureau to fill this form out to have the accounts updated and removed from my credit filed due to identity theft. 

XXXX XXXX XXXX police report Report number XXXX The following was provided to me today by XXXX XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX {$2300.00} XXXX XXXX XXXXXXXX {$4800.00} XXXX XXXX XXXX $ XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXXXXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$5400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I was a victim of identity theft I made a report my identity continues to be used in opening fraudulent accounts and making hard inquiries. These accounts are now affecting my credit report and Ive been trying to get them removed. I was advised by the credit bureau to fill this form out to have the accounts updated and removed from my credit filed due to identity theft. 

XXXX XXXX XXXX police report Report number XXXX The following was provided to me today by XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX {$2300.00} XXXX XXXX XXXXXXXX {$4800.00} XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX {$6000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2600.00} Cbna Citi card XXXX {$14000.00} XXXX XXXX  XXXX {$3900.00} $ XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$5400.00}

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 2024-08-28 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: PA

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tri-State Adjustments, Inc.
State: SD

Complaint narrative:
I was called in XX/XX/XXXX about a debt to something called XXXX XXXX that was from a fraudulent charge that a could prove I was not there as I was across the country most that year for work. They informed me that I needed to get a police report and to send that in. I looked into the police report, and it would require me to fly from my home in XXXX XXXX, SD to XXXX, PA costing me upwards of {$1000.00} not including taxes or a rental car to go and file a police report. XXXX police told me this had to be done in person and XXXX XXXX police told me I had to do it through XXXX as that is were the crime was committed. I was again called on XX/XX/XXXX and XXXX XXXX  and threated for this debt, and told that I was crazy and they didn't believe me ( they don't need to as it's the law ). Afterwards I did offer them the number of both departments if they didn't believe mw so that they could check for themselves but this was not good enough.

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