vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
credit report reference number XXXX is listed on my XXXX XXXX XXXX, which is listed on my XXXX XXXX HOME AND HIGHWAY CONSUMER REPORT DISCLOSURE NOTICE. 
ALSO LISTED IS THE MOTOR VEHICLE RECORDS for all drivers on my policy. 
This is almost the exact same list of items listed in XXXX. 
Balance to credit line on open bank revolving accounts is 20.18 % to 85.13 % I DO NOT HAVE THE BANK XXXX. 
Average months accounts have been opened is XXXX months. 
I HAVE A XXXX  XXXX  THAT I HAVE HAD FOR PROBABLY 30 YEARS. I DO NOT HAVE ANY OTHER XXXX XXXX  Average credit line on bank revolving accounts is {$3100.00} - {$4700.00}. 
AGAIN, I USE MY VISA CREDIT CARD OR ONCE IN A XXXX XXXX WRITE A CHECK. 
Total length of time department store accounts in file is XXXX months. 
I CLOSED ANY AND ALL OUT IN XXXX. 
Average credit line on open bank revolving accounts is {$550.00} - {$3400.00}. 
I HAVE WATER BILL, ELECTRIC BILL, GAS BILL, VISA BILL ... PAID AUTOMATICALLY EVERY MONTH SET UP TO BE PAID BY MY CHECKING ACCOUNT. 
Number of department store accounts is XXXX. 
I DO NOT HAVE ANY CREDIT CARDS OTHER THAN MY VISA. 
Average months accounts have been open is XXXX months. 
I DO NOT HAVE ANY CREDIT CARDS, JUST MY VISA. 
I WENT THROUGH MY CREDIT REPORT AND CLOSED EVERY SINGLE CARD LISTED. 

ALSO ON THE MOTOR VEHICLE RECORDS, WHICH I ADDRESSED BACK IN XXXX.My children are grown  and have not lived at home for over XXXX  years. Even when they did live with me they did XXXX XXXX my vehicle. They drove their dad 's or their own. I even signed a paper saying that my daughter is not allowed XXXX XXXX my vehicle. 
HOWEVER, it states : for all of the drivers listed on your policy the records list violation activity ... .refer to the Driver Section ... shows accident and moving violations information on file for each driver. 
I am the only person who drives my vehicle. I drive approximately XXXX miles or less a year. I was driving through a XXXX  light that turned XXXX  as I got through it, right along with the traffic in the other lanes. 
I spent a very long time working on all of the problems listed in XXXX  in order to get my home and auto XXXX  reduced. I dread the thought of having to do it all again. But, if I have to, I will. Thank You for hearing me on this.

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 2024-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
My previous complaint XXXX, I learned that this debt was from XXXX XXXX XXXX XXXX that I had from XXXX. Portfolio Revovery Assoc by their own admittance said that the statue of limitations limits PRA 'S ability to pursue the debt but does not prohibited PRA from contacting consumer. So they stated they purchased this bad debt XX/XX/XXXX & over 7 years later XX/XX/XXXX files & gets a wage garnishment. Without serving me notice. Is this yet another illegal tactic of PRA as in the past where they were fined over 24million for violations on collecting old debt, for not providing documentation to consumers etc. Of that 24 million half was given back to consumers. I believe the Federal Trade Commission needs to reinvestigate as there are still more consumers out there such as myself that have been sued over old debt & now my wages are being garnished. I demand that PRA cease and desist the garnishment of my wages and I would like an investigation into their yet again illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I opened this account in XXXX  and they charged my credit card {$150.00} annual fee. I called and spoke with someone in the XXXX because they use a call center there. I spoke with the rep advised them that I was thinking about closing my account because they charged me a {$150.00} annual fee and I have other cards that dont charge me any annual fee. So he says that is associated with your account so I will go ahead and close your account. I then was like can I speak to a manager. He then hesitated and then he hung up on me. So called back spoke to XXXX and I told her what happen and she said your account is already closed and asked me if I wanted her to reopen my account. After asking for a manager but I advised her that I never gave him authorization to close my account. I asked for her to give me his name of the person I spoke with for my records. She said she cant see the previous person names that a customer spoke with. Then she said only and initial. She went to get a supervisor and I was on hold for a while and she came back and said no supervisor is available. She then said can I call back. I said shouldn't they call me back when one is available. So that way they dont keep just saying that there is no supervisor. I also asked if there was a domestic supervisor I can speak with she said I called but they didn't answer. Then I told her to make sure my account is open because I never gave authorization to close my account. She reopened the account. She did towards the end give me the rep initials that closed my account without permission XXXX. Not sure what that means.

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 2024-09-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Around XX/XX/XXXX, my XXXX XXXX was compromised, leading to unauthorized access to my personal information. Since then, the fraudster has made multiple attempts to apply for credit cards and loans using my details, including my date of birth, Social Security number, and addresses. I recently reviewed my credit report and found numerous unauthorized inquiries from various banking institutions in XXXX and XXXX. Additionally, I have had fraudulent charges on my credit card, and the fraudster has applied for subscriptions that I did not obtain. The merchant is now attempting to collect through a collection agency. I did not apply for these credit cards, loans, or subscriptions, nor did I authorize these institutions or merchants to access my credit report or personal information.

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 2024-09-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXXXXXX XXXX is reporting late payment history for XX/XX/year>, i was not able to access the account because it was on a " fraud lock '' I never gave my permission or written consent to allow this reporting, which is of false nature. I disputed with the company directly, but they didnt respond.

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My wife name is listed not mine they put tradelines under both our names for 1 account that has been closed since 2020 I have disputed at euifax, and XXXX  neither will fix it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: NC

Complaint narrative:
On XX/XX/XXXX, XXXX, I received notification from XXXX XXXX entailing that several accounts in my credit report had been removed and renewed without rhyme or reason. This took place within a window period of XX/XX/XXXX, XXXX XX/XX/year>. 

This illegal process inevitably caused my XXXX XXXX XXXX to drop XXXX points causing me financial distress. 

This illegal process of removing a account has a direct effect on the credit report due to its direct effect on the algorithm of age, credit utilization, inquiries etc The account which was removed and reopened as stated on XXXX XXXX were : 1. CURRENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX  report states that the CURRENT account was removed and instantly reopened. 

It still reports as being a closed on XXXX XXXX. While CURRENT has reassured me that such account was never closed from their end. 

However, XXXX XXXX nor TRANSUNION reported the positive balance of the CURRENT credit card payment which would have increased my XXXX XXXX rather reduce its points. 

The XXXX XXXX  report also states that the aforementioned CREDIT INQUIRIES were removed then replaced as new credit inquiries. 

However, when reviewing the accounts mentioned above, all the dates highlight the original date these items was placed on my credit report. This clearly demonstrates that there a manufacturing error deliberately aimed to harm my score. 

These activities listed above has direct effects on the point system of consumers credit reports. I have been directly effected from this causing me to halt my purchase of a vehicle because of the dramatic decline in my score which now sits a XXXX XXXX XXXX XXXX. Which ultimately, is a XXXX XXXX per 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 2024-09-08 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:
Trans Union has failed to proper investigate a fraudulent account and refuses to block the fraudulent account. I have reached out to the company reporting and they advise me. They have remove the account based on the investigate. They did also they have provided a letter stating they have notify the credit bureau to remove the account and question

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 2024-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
Hello, On XX/XX/year> I sent a transfer for {$700.00} which was advertised as no fee. I approved a withdrawal of that same amount. To my surprise Western Union ( WU ) charged {$710.00}. Which means they just helped themselves to {$13.00} from my bank account without my authorization. I filed a complaint a week later. At the end of XXXX they sent me a letter saying that they will refund in a form of either receiver going to get the money or I have to go and receive the refund at WU location and I MUST reply via mail to chose which one. It is so ridiculous because they should just either sent a check since they're mailing me letters anyway or just issue a refund via ACH. They're clearly making this extra difficult so that people give up. I chose to receive the funds myself. XX/XX/XXXX I received a letter with information on how to receive the refund and new tracking number. On XX/XX/XXXX I went to WU 2 locations and both told me they can not find anything about this. I called the WU customer service and they claimed that the refund is half of what I'm owed, even though their letter says how much they owe me, and then they said that supposedly someone picked it up in Texas or somewhere, and I've never been there. They told me they're creating a case and I will hear back within XXXX. I didn't. I called again on XX/XX/XXXX and they told me that it's still being reviewed and I will hear back in XXXX. I called back today, on XX/XX/XXXX and still no information. 
I'm asking CFPB to intervene because it has been over 2 full months since I've been charged without authorization. CFPB should also look into the following : - WU needs to stop charging accounts a larger amount without being authorized to do so ; - WU must issue refunds in the same way they charged their customer or at the very least mail a check to the address that they already clearly have.

- WU needs to establish a clear resolution process with a certain deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: OH

Complaint narrative:
Dear CFPB Representative, I am writing to file a complaint regarding inaccuracies on my credit report. Despite my efforts to resolve these issues directly with the credit reporting agencies, the incorrect information persists, and I am seeking your assistance in rectifying these errors.

I have identified the following inaccuracies on my credit report : Incorrect Name ( s ) : Name ID # XXXX XXXX XXXX, Name ID # XXXX XXXX XXXX XXXX, Name ID # XXXX XXXX XXXX Incorrect Address ( es ) : Address ID # XXXX Incorrect Phone Number ( s ) : ( XXXX ) XXXX - XXXX ( XXXX ) XXXX Incorrect Employers : XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 et seq. ), credit reporting agencies are required to ensure that the information they report is accurate and up-to-date. Specifically : FCRA Section 1681i : This section mandates that consumers have the right to dispute inaccurate or incomplete information, and the credit reporting agency must investigate and correct or delete the information if it is found to be inaccurate.

FCRA Section 1681e ( b ) : This section requires that credit reporting agencies follow reasonable procedures to ensure the accuracy and integrity of the information they report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: OH

Complaint narrative:
Dear CFPB Representative, I am writing to file a complaint regarding inaccuracies on my credit report. Despite my efforts to resolve these issues directly with the credit reporting agencies, the incorrect information persists, and I am seeking your assistance in rectifying these errors.

I have identified the following inaccuracies on my credit report : Incorrect Name ( s ) : Name ID # XXXX XXXX XXXX, Name ID # XXXX XXXX XXXX XXXX, Name ID # XXXX XXXX XXXX Incorrect Address ( es ) : Address ID # XXXX Incorrect Phone Number ( s ) : ( XXXX ) XXXX - XXXX ( XXXX ) XXXX Incorrect Employers : XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 et seq. ), credit reporting agencies are required to ensure that the information they report is accurate and up-to-date. Specifically : FCRA Section 1681i : This section mandates that consumers have the right to dispute inaccurate or incomplete information, and the credit reporting agency must investigate and correct or delete the information if it is found to be inaccurate.

FCRA Section 1681e ( b ) : This section requires that credit reporting agencies follow reasonable procedures to ensure the accuracy and integrity of the information they 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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kikoff Inc.
State: GA

Complaint narrative:
My wife name is listed not mine they put tradelines under both our names for 1 account that has been closed since 2020 I have disputed at XXXX, and kickoff neither will fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: EQUIFAX, 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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I entered into a repayment plan with Capital One as part of an agreement to bring the amount due to XXXX. 

The payments were done monthly as a agreed via my XXXX Account. 

In total the agreement was 48 monthly payments. 

XXXX payments later, or XXXX months before the account was to be paid full, I received notice that my account was now in collections. 

I contacted Capital One and indicated that I was just XXXX months away from paying the account off in full, and they agreed by phone to continue accepting the payments and then to report it as such-and in good standing. 

I noticed on my credit report that it has been listed as settle for less than paid in full, last month. I contacted Capital One to inform them the account was paid in full as agreed and the representative told me she would update the account accordingly. 

I also filed a dispute with the XXXX credit bureaus regarding the incorrect reporting by Capital One. 

Now on my credit report is has been updated to a charge off. When I paid as agreed. Have proof of payments via my XXXX statements, and an email from Capital One indicating successful receipt of payments. 

It's unfortunate and disappointing how Capital One went about doing business. Even more so, to lead clients on regarding payment plans and credit reporting when done as agreed to then give the harshest report when it was repaid as agreed. 

It is not worth the effort to negotiate a full repayment with Capital One if as agreed it is identified as a charge off. It's best to not repay, let it go to collections and then offer to settle at pennies on the dollar-for the impact a full repayment plan listed as charge off can impact your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2024-09-08 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I contacted CashApp about fraudulent transactions that happened to one of my accounts. I let them know that I never received the card for the account and that someone had racked up about {$300.00} or more charges on my account. One day later, i received a message from CashApp stating that it found no transactions that looked suspicious. I even selected every transaction that was not a transaction authorized by me and they still rejected my claim. This caused me significant injury and as a result i couldn't make payments on my credit cards causing them to be closed without any notice for non sufficient funds.

Company response to consumer: Closed with explanation