vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I hired mover in XXXX of 2023 to load items from my apartment into a XXXX storage unit. The XXXX came with XXXX furniture pads for protection of the customer 's items. I hired XXXX XXXX  in Arizona which I found through XXXX recommended moving labor services. When the items arrived to my new home in Arizona most of my items were damaged because they had been piled on top of each other without pads placed in between. Only XXXX of the XXXX furniture pads were used and some of the plastic bundles of pads had not even been opened by the mover. I reached out to the mover and he did not respond. I have filed a claim for the damaged items. I contacted Capital One and provided them all of the documentation I am providing to you. They gave me a temporary credit of the XXXX. A few days ago they reversed the credit and told me that the vendor had responded and I was to provide proof of my communications with him to resolve the matter. I have already done this! I have been a customer of Capital One for XXXX years and this is perhaps only my second dispute. I have already filed a claim for the damaged items but I want credit for the moving services that were not provided as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found
State: CA

Complaint narrative:
On XX/XX/XXXX, my personal belongings, including my wallet and phone, were stolen from my locked car parked at my residence. Despite my efforts to secure my possessions, a theft occurred, resulting in a series of unauthorized transactions using my financial accounts linked to these items. These fraudulent activities persisted undetected until XX/XX/XXXX, as I received no alerts or notifications from my bank about the unusual transactions, leaving me unaware of the situation. 

It was only after my account funds had been completely depleted that I was notified via email. Upon discovering the extent of the unauthorized transactions, I filed a claim with my bank, seeking restitution for the financial losses incurred. Unfortunately, my claim was denied on the grounds of alleged irresponsibility in safeguarding my sensitive documentsa claim which I find unjust as the theft was beyond my control. 

In response to the theft and the subsequent denial of my claim, I filed XXXX separate police reports to document the criminal activity and provided these reports to my bank as evidence. Despite this, my efforts were met with further denial from the bank. I am now in urgent need of recovering my money and am seeking a resolution to this distressing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Consulting Agency LLC
State: CA

Complaint narrative:
I just received a notification on my credit report about a collection whist states has been reported since XX/XX/2022, I have never received anything I dont know what this is please review and delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has the obligation to report complete and accurate at all times. The FCRA prohibits CRAs from reinserting previously deleted information into a consumers credit file without first notifying the consumer of the reinsertion. I did not receive notification within 5 days for this alleged account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX. 
This is a violation of my rights and has caused much distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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 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 2024-03-02 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX, XXXX, and experian will not allow me access to credit reports. I have tried to call to speak with someone several times and was hung up on. I get to the verify my identity with the automated system and by the time I get to the multiple choice questions I get the response " unable to verify my identity ''. I am in the process of mailing a form to get my free credit report at this time however I believe the information they have on me is totally inaccurate as I have had NO credit whatsoever as I am XXXX currently.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian failed to dispute information for Consumer validation of debt with XXXX XXXX reviewed the following letter of initial contact from a debt buyer with inaccurate address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer never lives in that city or state Error number two bill submitted to Experian with inaccurate address which the letter stated by XXXX XXXX upon purchase this Debt verified information with the original creditor. XXXX Violated 15USC 6080 release of information to 3rd without written consent from the consumer personal information. XXXX obtained these letter from dispute through CFPB

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 2024-03-02 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: MO

Complaint narrative:
For years now I have been tell you all everything is wrong on my credit report my name address and birthdate ss number everything is not accurate including the XXXX  debt all I owe is child support and I have said everything else is a scam and they told me nope it's all correct someone please help me

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 2024-03-02 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: MN

Complaint narrative:
NOTICE was sent to the 3 major CRAs and they are all NON COMPLIANT and YOU ALL HAVE EXHAUSTED THE FOUR 4 BUSINESS DAYS TO BLOCK PER THE FCRA. YOU HAVE BEEN WARNED!!!

PROVE BY WAY OF A PUBLIC LIEN AND XXXX FINANCING STATEMENT THAT I OWE YOU A DEBT. YOU ARE FALSILFYING RECORDS THAT ARE INJURING THE TRUST AND THE TRUST BENEFICIARIES!!! 

I asked for production, do you have copies of all of the accounting for the history of this account? Bills of Particulars these complaints are evidence of AGGREGATED IDENTITY THEFT!!! 
pending complaints since XX/XX/XXXX XXXX - XXXX XXXX XXXX Experian XXXX - Equifax DEFAMATION IN THE LIBEL. REMOVE THIS NON PUBLIC INFORMATION REPORTING AS IT IS INJURING ME PREVENTING ME FROM FEEDING MY FAMILY & BUYING A HOME. THIS IS A BREACH OF TRUST YOU HAVE NOT SPOKEN TO ANY OF MY NEIGHBORS, FAMILY, FRIENDS NOR CO-WORKERS as part of a CONSUMER INVESTIGATION, RE-INVESTIGATION REPORT You are also violating laws by including specific factual information relative to the EXPERIENCE between the CONSUMER and CREDITOR!! 

You are in violation and see the above cited complaints for the minimum violations fines and penalties you have now subjected yourselves to!! 

You have been served NOTICE REVERSE THESE LATE PAYMENTS AND UPDATE STATUS TO : PAID. NEVER LATE. - XXXX XXXX XXXX XXXX XX/XX/XXXX {$32000.00} - XXXX is violating Federal banking and accounting as no bank can place any liens on any collateral or assets and PRETEND to extend a loan. Also no banks can extend loans or credit from THEIR OWN CREDIT ... XXXXso XXXX XXXX whose CREDIT was actually used to finance these transactions? XXXX where is the evidence in your Indenture and Prospectus that I OWE YOU SOMETHING OF VALUE AND WHAT MONEY WOULD ONE OWE YOU PER THE CONSTITUTION OF THE UNITED STATES??? XXXX you are in possession on NON PUBLIC personal private information in error XXXX XXXX due to no parties demanding there be a signed SSA-89 form before ACCESSING THE SOCIAL SECURITY NUMBER. You did not get proper legal CONSENT. Therefore do whats in the best interest of the Beneficiary of the Public Trust and this Trust relationship for which you are generating GAINS misusing the TRUST without having given its Beneficiaries full disclosure and payments received generated by the use of the social of the Trust. 

THIS IS IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
This account was paid and settled and needs to be removed. The company updated the balance on my account inaccurately with the XXXX major credit bureaus. It shows i still owe {$440.00} and that is false. The email they sent me on XX/XX/2024 shows the receipt and current balance of my account. I resolved this account on XX/XX/2024. I called the company on XX/XX/2024 to get more information on when it will be updated correctly because I didnt believe the email that I received and the representative informed me that it WILL take 90 DAYS for it to cone off and thats unacceptable. They CAN NOT report inaccurate information on my consumer account and this needs to be resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: LEXISNEXIS
State: GA

Complaint narrative:
I requested that incorrect data be removed from the Lexis Nexis report, and on XX/XX/2024, I received a report with the same data. There are addresses, telephone numbers, and accounts connected to others that are listed as my info. I have been a victim of identity theft in the past as a result of the Department of Veteran Affairs breach ( 2x ), XXXX XXXX, XXXX XXXX data breach, and I am expected to allow those improprieties to remain on my report. The report advised that as a result of the reinvestigation, " the data being reported as unverifiable '' ; however, the information was left anyway. Based on the data from Lexis Nexis, an individual with my same first name, same initial, and last name has data on my report due to residing in the same geographic area. There seems to be no real standard for Lexis Nexis to remove the information, as they are paid by companies for said info, which in my case is frivolous in many areas. Since the data is inaccurate on the Lexis Nexis report, which feeds to the 3 major credit bureaus, I am forced with a negative credit report burden that I did not create, but am forced to suffer the consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo owes me big time. They continued charging my account {$12.00} per month even though I had the funds. They would acknowledge the system error but not give me a refund. I had my account for many years and was sad to close it because my goal Was longevity. They didnt seem to care. I kept my savings account open and now I see account service fees being charged although I have the funds. This just happened yesterday. Of course you cant simply dispute or email, you have to call in and wait an hour to get whats rightfully yours back. I never knew I could despise a bank from stealing from me because Im just a poor woman.

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 monetary relief
Consumer complaint received 2024-03-02 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: PA

Complaint narrative:
Credit bureaus did not do a complete investigation which requires them to send me proof of verification of any debt or collections showing on my 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 2024-03-02 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: CT

Complaint narrative:
Upon checking my credit report and paying down over {$7000.00} in debt, my credit score keeps dropping lower and lower. I recently found out that a close friend of mine is using my information which shows on my credit report. For what in do not know. But his name appears on the XXXX website and I have prodd of this. My ssn is off by XXXX number or my last name being changed by XXXX letter. Theres also a XXXX Credit card in my name which I did not open. I asked for these to be removed and they still show up. Plus I had a XXXX XXXX card cancelled because of a low credit score and I paid the min payment weekly. Not monthly.

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 2024-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DC

Complaint narrative:
I made a payment on my student loans in XXXX of XXXX. I was later notified by the company Mohela that I was not given notice of my impending payment within the right timeframe. As a result that payment would be credited towards a future month. However, it has not been credited. I have called them and either could not get through a looping menu or been put on hold for hours. When I once got through to a person, they told me they were in training and could not answer my question then put me on hold for hours again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: DE

Complaint narrative:
I have a few inaccurate accounts that needs to be updated and deleted see attachment documents below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX, Transunion, and XXXX  will not allow me access to credit reports. I have tried to call to speak with someone several times and was hung up on. I get to the verify my identity with the automated system and by the time I get to the multiple choice questions I get the response " unable to verify my identity ''. I am in the process of mailing a form to get my free credit report at this time however I believe the information they have on me is totally inaccurate as I have had NO credit whatsoever as I am XXXX currently.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax, XXXX, and XXXX  will not allow me access to credit reports. I have tried to call to speak with someone several times and was hung up on. I get to the verify my identity with the automated system and by the time I get to the multiple choice questions I get the response " unable to verify my identity ''. I am in the process of mailing a form to get my free credit report at this time however I believe the information they have on me is totally inaccurate as I have had NO credit whatsoever as I am XXXX currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: TX

Complaint narrative:
Tranunion failed to dispute information for Consumer validation of debt with XXXX XXXX reviewed the following letter of initial contact from a debt buyer with inaccurate address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  consumer never lives in that city or state Error number two bill submitted to XXXX with inaccurate address which the letter stated by XXXX XXXX upon purchase this Debt verified information with the original creditor. XXXX Violated 15USC 6082release of information to XXXX without written consent from the consumer personal information. Consumer obtained these letter from dispute through CFPB

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX  report all info incorrect. Someone is sending bogus info to XXXX XXXX  talked to banks involved they never sent info to XXXX XXXX  they are go to send me letters that the info is a fraud. Waiting for police to send me police report I filed about this bogus info. I know who is doing this you will see when I get report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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:
Grain has been reporting inaccurate information on my credit report across all three credit bureaus. The account must be deleted from all credit reporting agencies XXXX XXXX and Transunion because the FCRA says all accounts must report 100 % maximum accuracy the banking institution is depending on it. 

See attachments below

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 2024-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
This account was paid and settled and needs to be removed. The company updated the balance on my account inaccurately with the XXXX major credit bureaus. It shows i still owe {$440.00} and that is false. The email they sent me on XX/XX/2024 shows the receipt and current balance of my account. I resolved this account on XX/XX/2024. I called the company on XX/XX/2024 to get more information on when it will be updated correctly because I didnt believe the email that I received and the representative informed me that it WILL take 90 DAYS for it to cone off and thats unacceptable. They CAN NOT report inaccurate information on my consumer account and this needs to be resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have paid the loan amount in full and should be immediately remove 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