vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
XXXX I applied for a Citi Visa Credit Card with XXXX XXXX I received a denial via text message XXXX. XXXX  I called the reconsideration Dept at Citi to request a manual review. The first representative told me it was denied due to a bankruptcy reporting on my business credit file. I advised that Citi is in violation of the XXXX and the Consumer Protection Act. I requested that my application be retracted, since I was not extended my credit. The representative ask me to hold on while she escalated, XXXX mins later the call disconnected without me speaking to " XXXX. '' I called back and the business representative told me the denial was because of bankruptcy on my personal report ( Bankruptcy was administratively discharged in XXXX of XXXX, from the US Bankruptcy court. ) I advised this business representative of the same violations in additional to Citi committing securities fraud. This employee told me I would have not been approved due to my " low '' credit score and the collections which is discrimination. I spoke with XXXX a supervisor from the Business Credit department who also stated that the application was denied because of my credit score, as which is discrimination according to congress.

Securities fraud has also been committed because Citi has refused to retract my application.

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 2024-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I noticed this on my account from XXXX and called XXXX. I spoke with XXXX XXXX XXXX and XXXX XXXX from who is the Consumer Relations Manager at XXXX. 

I've requested the original signed contract from the original creditor, and they are threatening me with suing 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 2024-06-25 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:
RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX.Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXXXXXX, GA, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXXXXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
I submitted disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. Despite providing detailed accounts of the violations under FCRA 623 ( a ) ( b ) and 605 ( c ), which specify failures to mark disputed accounts and inaccurate reporting of last activity dates, respectively, none of the credit bureaus have responded within the mandated 30-day period. Additionally, the company in question has failed to validate a collection account, thus violating FDCPA 809 ( b ) according to FTC guidelines. Attached are copies of all correspondence sent. I request an immediate investigation and correction of these violations on my consumer 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 2024-06-25 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: TX

Complaint narrative:
I submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. Despite providing detailed accounts of the violations under FCRA 623 ( a ) ( b ) and 605 ( c ), which specify failures to mark disputed accounts and inaccurate reporting of last activity dates, respectively, none of the credit bureaus have responded within the mandated 30-day period. Additionally, the company in question has failed to validate a collection account, thus violating FDCPA 809 ( b ) according to FTC guidelines. Attached are copies of all correspondence sent. I request an immediate investigation and correction of these violations on my consumer 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 2024-06-25 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: VA

Complaint narrative:
My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX 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 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 my account 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. XXXX XXXX XXXX  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 explanation
Consumer complaint received 2024-06-25 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: NC

Complaint narrative:
My accounts 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/updated. 

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. 

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!

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My accounts 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/updated.

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. 

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!

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 2024-06-25 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: GA

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. 

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 has violated my rights. Or a list of inquiries : 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 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 2024-06-25 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: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-25 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: IL

Complaint narrative:
I was never late. I have proof of the payment. Can you updated the late payment, to on time payment. I was never late. I was never late on XXXX of 2023 or XXXX of 2023. Please correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
I was never late. I have proof of the payment. Can you updated the late payment, to on time payment. I was never late. I was never late on XXXX of 2023 or XXXX of 2023. Please correct this matter.

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 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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 writing to file a complaint regarding XXXX unauthorized inquiries that appear on my TransUnion credit report. These inquiries were made without my consent and are negatively impacting my credit score. Below are the details of the inquiries. 

XXXX  Inquiry is XXXX  XXXX XXXX Which was made on XX/XX/scrub> 2024 & the XXXX  was with XXXX XXXX  Which was made on XX/XX/year>2024. 

52 Days Ago : I sent a formal dispute letter to TransUnion regarding these XXXX fraudulent inquiries. I provided detailed information and requested the removal of these inquiries from my credit report. After receiving no response to my letter, I called TransUnion to follow up on my dispute. Despite several attempts to get assistance, I was unable to obtain any helpful information or resolution from their customer service representatives. 

Despite submitting my dispute more than 52 days ago, I have not received any acknowledgment or response from TransUnion regarding the status of my dispute. 
Inadequate Support : When I called TransUnion for assistance, the customer service representatives were unable to provide any helpful information or resolution to my issue. 
Impact The unauthorized inquiries are negatively affecting my credit score and overall credit profile. This situation is causing me significant distress and inconvenience.

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 2024-06-25 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: FL

Complaint narrative:
I previously disputed this account stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, OR delete this account.

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 2024-06-25 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: OH

Complaint narrative:
On XX/XX/2024, a purchase of {$120.00} was made to my Capital One card from XXXX. The purchased item was an XXXX XXXX ( XXXX XXXX ). In compliance with the return policy, the item was returned on XX/XX/2024 to an XXXX XXXX. After contacting XXXX on XX/XX/2024, it was advised to wait longer for a refund. So I waited and then opened a dispute with Capital One the following day. A credit was applied that same day. Upon request on XX/XX/2024, I provided additional documentation for the case, including an explanation of the situation and the case was closed in XXXX 's favor on XX/XX/2024. The purchased merchandise is not in my possession and the charge is still being billed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have attempted to transfer some Capital One miles to an airline partner over the last 24 hours. I am a frequent traveler and well versed in converting points and miles from banks ( XXXX. XXXX, XXXX ) to airline and hotel rewards programs and have done so for years, including with Capital One, without incident. In attempting to transfer Capital One miles yesterday, I was unable to generate a two-factor authentication code to my cell phone. After several calls to Capital One and my phone provider ( XXXX XXXX who assured us nothing in our phone or carrier settings would prevent an automated code going to my wife 's phone from a 'short ' number ), I was unable to find a resolution to the issue. A quick internet search revealed dozens of other Capital One customers having the same issue dating back to XX/XX/year> when, seemingly, Capital One instituted more stringent security protocols around points/miles transfers. However, in doing so, they or their third-party contractor responsible for miles transfers to airline and hotel partners have created an IT issue whereby customers have no ability to a ) generate a code to their cell phones or b ) have another option for two-factor authentication such as a phone call or email ( as is customary with other financial institutions ). Effectively, my Capital One miles are locked at Capital One which violates the terms of their rewards program by providing consumers no option to transfer miles to Capital One 's travel partners should they be unable to generate a two-factor authentication code. Numerous posts on XXXX and XXXX ( links below ) share the same experience as we've had. 

To be clear, the issue occurs specifically when some users click " Convert Rewards '' within Capital One 's travel portal and are then redirected to a separate browser and asked to provide a phone number ( or confirm the one on the screen via the last four digits ) for a two-factor authentication code. In my case, an error message appears indicating the phone number is not recognized. I have had the same phone number for over a decade and have been a Capital One customer for several years ( and Ive used two-factor authentication with Capital One, but not since XX/XX/year> ). Four or five Capital One customer service representatives seemed puzzled by the issue and offered no workarounds ( including offering to transfer the miles on my behalf ). 

Links with reports of similar incidents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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