vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists CREDIT CARD XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX '' XXXX '' account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXXXXXX, XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Information from creditors is severely outdated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating to feel like my rights as a consumer are being ignored.

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 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The Capital One Travel Portal did not disclose applicable rebooking fees for my XXXX XXXX. Additionally, the system uses unclear language, obscuring flight options ' features and drawbacks. Moreover, the refund details in the FAQ indicate that the flight can be canceled and the entire travel credit will be available for future use ; there is no mention of the fee incurred during rebooking. As a result, I chose the basic economy option and incurred a {$99.00} fee when the flight needed to be changed ( canceled and rebooked ). 
The fee was not outlined at any point during the booking process. According to customer support, the fee details are disclosed after booking, but I still couldn't find the information after searching my inbox. 
Regarding the unclear language in the travel portal, under basic economy details, it states, " Advanced change not allowed '' and " Same-day change not allowed. '' Under main cabin details, it only states, " Same-day change not allowed. '' It does not state, " Advanced change allowed. '' I didn't realize that upgrading to the main cabin would have allowed me to change my flight details in advance. 
I'll attach screenshots that demonstrate the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was reviewing my credit report and noticed that I had some inquiries that weren't authorize by 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 2024-07-02 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: GA

Complaint narrative:
The addresses I have listed below do not belong to me and therefore are not mine. I request that your agency take appropriate action to investigate and remove the addresses listed below. Thank you for your help. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX, GA 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 2024-07-02 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
Kindly delete these inquiries. I am unaware of this matter, and the company acted without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # : XXXX Acct # : XXXX  Acct # : XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX In accordance with the fair credit reporting act this creditor has violated my rights 15 USC 1681 Section 602 a I have a right to privacy ( 15 USC 1681 section 602 a section 2 also states a consumer reporting agency can not furnish an account without my WRITTEN instructions 15 USCS 1666b a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 C ( A ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of the following information. Any adverse item of information other than records of conviction and crime which antedates the report by more than seven years.

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

15 USC 1681 I5 The consumer reporting agencies are supposed to modify accounts that arent reporting accurately.

15 U.S. Code 1681a Definitions ; rules of construction Exclusions. Except as provided in paragraph the term consumer report does not includeany report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC code 1681n civil liability for willful noncompliance 15 USC code 1681o civil liability for negligent non compliance 15 USC code 1681e compliance procedures

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my privacy and confidentiality under FCR 15 USC 1681 XXXX # XXXX - XXXX XXXX Acct. # XXXX XXXX XXXX XXXX. 
Acct. # XXXX XXXX XXXX. 
Acct. # XXXX XXXX XXXX XXXX 
Acct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15USC 1681 section 602 A states I have the right to privacy.

15USC 1681 section 604A section 1 states a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c ( a ) ( 5 ) states that no consumer report 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 more than seven years.

15USC1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency or person knows or has reasonable cause to believe that the information is inaccurate.

I request that these accounts are removed from my report of credit due to these violations and inaccuracy of the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
I am A VICTIM OF IDENTITY THEFT.I PURCHASED MY CREDIT FILE AND I SEE ONE UNAUTHORIZED FRAUDULENT INQUIRY XXXX XXXX XX/XX/XXXX XXXX NEVER GAVE THIS COMPANY PERMISSION TO RUN MY CREDIT.PLEASE DELETE THIS FROM MY CREDIT FILE ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I am looking at my credit report and I see that XXXX is reporting a closed account with XXXX. I have never opened a charge card with XXXX. 

I order from XXXX with my debit card or a 3rd party lease and I see they have orders from a XXXX  card and addresses that are not mine. XXXX is also reporting the same addresses. 

Customer service told me to file a report with the FTC to have it removed. 

Also, XXXX says the account is charged off. If that's the case, XXXX was supposed to send me a 1099. I never received that.

However, I have received debt collection calls about this and my family has as well recently and it's tied to an address that is not mine. That is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, Consumer, which currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. I am writing this complaint because Equifax reinserted information ( XXXX  ) onto the credit profile of XXXX XXXX XXXX, Consumer, after it was previously deleted. After speaking with XXXX, a supervisor at Equifax, it was determined that the information should not have been reporting as it was correctly deleted previously. XXXX also stated that my drivers license, social security card, and utility bill ( light bill ) needed to be sent for verification purposes for the FTC report that was also submitted. That information was sent via certified mail. 

Equifax violated consumer protection laws pursuant to 15 U.S.C 1681i ( 5 ) ( B ) ( ii ) ( iii ) because there was NO NOTICE sent to XXXX XXXX XXXX, Consumer, stating that the information would be reinserted, or that it was verified as accurate and true. In which it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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:
There has been multiple problems with credit monitoring bureaus correcting errors from multiple companies that incorrectly reported my accounts for collections. I have disputed the collections information with the collections agencies XXXX XXXX XXXX who states on my credit report they are the original creditor for a XXXX XXXXXXXX XXXX XXXX, error balance {$800.00} after the creditor refused to close my account in XXXX and XXXX XXXX XXXX again stating on my credit report they are the original creditor, error balance of {$480.00} from a closed XXXX account near XXXX. XXXX XXXX error balance {$450.00} suspected from XXXX  XXXX and there has been collections errors from XXXX  XXXX  and incorrect information reported from creditors XXXX  and XXXX XXXX  XXXX.The credit bureaus companies TransUnion and XXXX have made a mistake reporting incomplete collections information, the mistake is expected reported at XXXX. The accounts and collections accounts have been disputed and removed before on multiple occasions, the creditors were allowed again to report incorrect information about balances, account status, and others damaging remarks to 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 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
URGENT : Formal Complaint Regarding Capital One 's Handling of Account Issues XX/XX/year> Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally document a series of troubling interactions with Capital One representatives regarding my account, which have prompted me to seek assistance from your bureau. 

Between XX/XX/XXXX and XX/XX/XXXX, I spoke with three Capital One supervisorsXXXX, XXXX, and XXXX revealing significant discrepancies and mishandling of my account issues. Supervisor XXXX indicated a lack of consistent processes for addressing similar client concerns, potentially leading to disparate treatment. Supervisor XXXX disclosed that since XX/XX/year>, I had been erroneously directed to an investigative team after numerous unsuccessful attempts to contact them via email. Moreover, Supervisor XXXX initially assured me I would be able to speak directly with the department who sent me emails on XX/XX/XXXX and XXXX, but subsequent supervisors and representatives contradicted this, stating it would not be possible. 

Additionally, I have evidence, including screenshots, showing that my account was locked with the message " too many attempts '' due to a representative becoming upset during a call. This representative wrongly accused me of lying about receiving emails from Capital One and escalated the issue without basis, even yelling at me. In response, Capital One informed me that representatives and supervisors do not have access or knowledge of those emails, which can only be accessed by the investigative team and department. Consequently, I was doubly punished because the representative was unaware that I did receive an email from another department, yet she falsely cited a reason for locking out the account without apparent basis in company policy. 

This lack of a streamlined process is severely detrimental to clients like myself, impacting my ability to access healthcare, manage living expenses, and maintain financial stability. 

These interactions strongly suggest that Capital One may be acting with bias and discrimination, resulting in unfair treatment and denial of access to my account. Therefore, I urgently request your intervention to either facilitate immediate resolution to regain access to my account or expedite the transfer of funds to a previously linked banking account. 

I appreciate your prompt attention to this matter and kindly request your assistance in addressing these issues swiftly and effectively. Please do not hesitate to contact me at ( XXXX ) XXXX or XXXX should you require further information or clarification. 

Thank you for your time and consideration. 

Very respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I don't understand how in my multiple attempts of dispute, nothing has changed. I don't think your company cares enough about your consumers because not only this has negatively impacted me, it has also diminished my opportunities and closed so many doors for me. I wish you could understand how it feels to be this hopeless knowing that these are being reported on my credit without proper verification and accuracy.

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 2024-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I was contacted by a debt collector ( XXXX XXXX XXXX ) for a debt with Best Buy. On XX/XX/XXXX, Best Buy acknowledged receipt of my dispute regarding an automatic renewal that is sent to me by email rather than by postal mail. The dispute was investigated and determined on XX/XX/XXXX. The Result was that I owed {$280.00}. and not the amount of further charges adding up to {$630.00} I sent that amount to Best Buy and I have the cancelled check dated XX/XX/XXXX and deposited by Best Buy on XX/XX/XXXX. I am now receiving a debt collection from a different debt collector ( Client services ) for the same disputed charge claiming I owe the difference ( {$340.00} ). 
Also when I checked my credit score, the past due payments are still on record. My original dispute was sent to Credit Bureau Dispute Verification and XXXX  to Best Buy Credit and XXXX XXXX XXXX. 
Please advise.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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