vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: 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. 


Account Name : 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 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 explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
EASTERNACCOS XXXX Dear XXXX XXXX XXXX XXXX This is not a dispute but a formal request for validation of the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ) and related legal precedents, I am requesting complete validation of the following details for this account : Date of First Delinquency : Provide the documentation supporting the date the account first became delinquent. 
Date of Charge-Off : Include the exact date the account was charged off and provide evidence of this status.

Date of Last Payment : Specify the date and amount of the last payment made on this account.

Additionally, I request the following actions in compliance with the FCRA and consumer rights : Cease Communications : Under 15 U.S.C. 1692c ( c ), I request that all communications regarding this account cease immediately.

Cease Reporting : Do not report this account to any consumer reporting agencies until full validation is provided.

Case Law References : Henson v. Santander Consumer USA Inc., 137 S. Ct. 1718 ( 2017 ) : Clarifies the obligations of debt collectors in ensuring accurate reporting and account validation.

Richardson v. Fleet Bank, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) : Establishes the creditor 's responsibility to substantiate claims with clear documentation.

Nelson v. Chase Manhattan Mortgage Corp., 282 F.3d 1057 ( 9th Cir. 2002 ) : Highlights the need for furnishers to ensure the accuracy of their reported information.

Please respond within 30 days of receipt with the requested documentation. Failure to provide adequate validation will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was traveling in XXXX, XXXX XXXX by end of XXXX and needed to take public transportation. It was my first trip to the foreign country which was undergoing post martial law and post impeachment of the president. There are many confusing options to travel touchlessly and I selected the XXXX XXXX XXXX XXXX  as seen at XXXX XXXX XXXX I did it on their XXXX  version app to make online purchase to buy a travel pass for subway and bus. As you can see at https : XXXX, it was never disclosed to me that adding money there is treated as wire transfer/cash advance. As a matter of fact, they even chose to waive 4 % credit card transaction fee by XX/XX/XXXX. So after the very first transaction of XXXX on XX/XX/XXXX seemingly went well without any fee and a reasonable foreign currency conversion rate without any markup at {$6.00}, I took the plunge thinking the great year end deal was kind to foreign first timers. I then purchased another XXXX or {$34.00} on XX/XX/XXXX. Things went well and my bank accounts monitoring app XXXX XXXX never flagged me that there is {$10.00} x XXXX cash advance fee following these two transactions in the next 12 days. It's unfortunate that on XX/XX/XXXX that I discovered they are treated by Capital One as wire transfer and thus cash advance. This is insane. My account has a cash advance pin that I can't remember. Never in the purchase process was this pin asked by the merchant. So I would think this is an unauthorized transaction when the merchant did not disclose this key piece of info. But Capital One made it sound like there is nothing the merchant could have done and they are intent on charging me these fees that are nothing to them, but great enough to me who is living on XXXX XXXX. I have already paid off the balance instead of waiting the statement to be generated on XX/XX/XXXX, because I know the interest would be accruing on a daily basis at an exorbitant rate. This has never occurred to me in the past or any of my other credit card accounts. I am not a cash advance guy and I managed my personal finance with great attention. But I am really screwed here. I ask the CFPB to intervene because I can't seem to get thru to a Capital One supervisor who would be kind enough to fix this as a one-time courtesy. I consulted the credit card agreement and there doesn't seem to be an arbitration clause. I finally read https : XXXX and realized XXXX XXXX XXXXXXXX and some other XXXX XXXX banks also do not impose this junk fee. Many thanks for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Theres several disputes I made on my credit report requesting to remove items that does not belong to me. Or has been sold to a second and third party. These items were never remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
The consumer reporting agency TRANSUNION LLC is in several violations of the FCRA and METRO 2 COMPLIANCE for not conducting a proper investigation and REMOVING INACCURATE DELINQUENT accounts on my consumer report furnished by the following companies - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as well as INACCURATE COLLECTION ACCOUNTS FROM DEBT BUYERS I DONT OWE furnished by - XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX that I disputed over mail 4 times with no solution. The consumer reporting agency never furnished a notice of dispute within 30 days of the disputed accounts referenced above which is a violation of FCRA 623 ( A ) that states it is a requirement for them to do so. Within each account referenced there are furnished late transactions that are not verified VIA BANK STATEMENTS on closed accounts which is a violation of 15USC1666 ( B ) and 15USC1681a ( 2 ). TransUnion needs to remove the inaccurate data described in all of my notices included in this complaint that are displayed in from my credit report immediately or I will be in pursuit of litigation on behalf of these inaccuracies. It has been over 120 days since my first initial dispute which I've included all my notices sent to them in the attachments below! It is this agencies obligation to report accurate data on my credit report and for them to not conduct an investigation and simply ignore my notices is absolutely OBSARD considering how their actions with no integrity effect the livelihood of my family and I.

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 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2025-01-12 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: IL

Complaint narrative:
I hope you are doing well. I am writing to follow up on my recent complaint regarding inaccurate credit reporting, unauthorized charges, etc, which I submitted several times over the last few years with the most recent date being, XX/XX/year> As of today, I have not received an update on the status of my complaint. This is of great concern to me as this issue directly affects my XXXX XXXX and overall financial well-being. I kindly request an update on my case 's progress and any actions taken to address my concerns. 

Thank you for your attention to this matter. I look forward to your prompt response so that we can work toward a resolution. 

Best regards,

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 2025-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony services my XXXX 's store card. Although I set my statement preference to paperless, they changed that preference at some point back to mailed paper statements and charged me a {$XXXX} statement service fee. This is the second time I've been charged. Because I asked that it be reversed previously, they would not remove it after this second occurrence. When I asked the rep to verify whether I changed my statement preference or they did, they could not tell me. I wonder how many other customers are having their preferences overwritten by XXXX in order to increase their revenue via fees. I shouldn't have to revisit my online account monthly to ensure my preferences are retained.

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 2025-01-12 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-01-12 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 am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I made a payment on XX/XX/year> for {$XXXX} and It has cleared my bank accout. Their terms and conditions state if you make a payment online, see below MAKING PAYMENTS ON THE SITE. By entering your user ID and Password ( or other log-in information ) when accessing the XXXX, you authenticate yourself and confirm your agreement to the payment authorization contained in these Terms and Conditions. Your payment has to be scheduled by the due date on your Account in order for the payment to post on time, without a late fee ( if applicable ). If permitted, your payment may be scheduled in advance of your payment due date. Your Payment will be credited to your Account on the day when you make it, but may not be displayed on your Account for up to XXXX hours. Subject to our receipt of funds from your payment, your available credit ( if applicable to your Account ) will be updated within XXXX business days of the Payment Date. If permitted, you may use the Site to cancel any future scheduled payments. 

They told me that my available credit will not be released until XXXX XX/XX/year> even though they show that its posted to my account and its come out of my bank account which is a breach of contract. 

Every payment that Ive made thats over {$XXXX} they put a hold on for XXXX to XXXX  days which I find completely unacceptable due to their as permitted in their terms and conditions. Im a little confused how once the system is received a payment and they show that it has cleared their system on a certain date which was the XXXX that my available credit is not available and theyre saying that it will not be available until the XXXX, which is completely against what theyre saying and their contract and I feel its a breach.

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 2025-01-12 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 




XXXX # XXXX XX/XX/XXXX -- {$XXXX} XXXX XX/XX/XXXX in tu XXXX XXXX XXXX. # XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX  # XXXX XX/XX/XXXX -- {$XXXX} XXXX XX/XX/XXXX in XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$XXXX} XXXX XX/XX/XXXX in XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$XXXX} XXXX XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX in tu UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 




XXXX # XXXX XX/XX/XXXX -- {$XXXX} XXXX XX/XX/XXXX in tu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX in tu UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/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