vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-16 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: OH

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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:
XX/XX/XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear CFPB, I am submitting this formal complaint regarding the mishandling of my disputes concerning the XXXX  XXXX XXXX account ( Account # XXXX ) on my credit report. Despite previous disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made, and the inaccuracies remain unaddressed. 
These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, my payments were significantly affected during the COVID-19 pandemic, requiring protection under the CARES Act and 15 U.S.C. 1681s-2, which mandates leniency for consumers impacted by national emergencies.

Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( 15 U.S.C. 1681i ) : Experian failed to conduct a reasonable investigation or provide the necessary description of the investigation process.

Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information on this account was not handled according to permissible purposes and standards.

Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued reporting of inaccurate and derogatory information infringes on my privacy rights.

Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received the required explanation of the investigation process.

Violations of the Truth in Lending Act ( TILA ) : Disclosure Requirements : Experian failed to provide accurate disclosures regarding the accounts status, violating TILA regulations.

Federal Consumer Protections ( CARES Act ) : During the COVID-19 pandemic, this account was affected by financial hardships, and protections under the CARES Act were not applied appropriately.

Immediate Action Requested I request the immediate deletion of the inaccurate information regarding the following account : Account Number : XXXX High Balance : {$0.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Unpaid balance reported as a loss by credit grantor. 
Two-Year Payment History Inaccuracies : Late payments inaccurately reported for XXXX ( 30 ), XXXX ( 60 ), and XXXX ( 90+ ). 
Attachments : Copies of previous dispute letters ( dated XX/XX/XXXX, and XX/XX/XXXX ). 
Identification and supporting documentation.

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have accounts that do not belong to me that is affecting my ability to gain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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 just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and my SSN Card.

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 2024-12-16 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: FL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and my SSN Card.

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 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On approximately XX/XX/year>, I was booking flights for XXXX XXXX on their web site and was offerred the Citi XXXX AAdvantage XXXX XXXX XXXX XXXX Mastercard with a {$200.00} statement credit for money spent on XXXX  flights, and a XXXX bonus of miles. 

The terms and conditions of the card ( taken from the web site ), includes the following : " If instantly authorized, credit cardmembers will receive temporary account information and a temporary minimum credit limit. This temporary account information can be used during payment for the current eligible XXXX XXXX purchases at time of checkout to receive the statement credit. '' I applied for the card online and was given instant approval, however, it did not provide a temporary account number to use to book my flight so that I would get the {$200.00} flight credit.

I called support at CITI multiple times to try to get my card number, on different calls, I was told the following things, none of which were listed in terms of service or were true : 1. After applying for the card it did list a temporary number and I just didn't see it ( it was NOT listed on the web page ).

2. I was told if I had waited on that page for about 10 minutes it would have updated and shown me a temporary card number. I don't know if this would have happened, but there were no instructions listed that I had to wait for 10 minutes on the page to see my card number.

3. I was told by another rep that within 2 days, I would be sent an email with a link that would provide me with me temporary card number. I also did not receive this email.

At no time did a representative provide accurate information on getting my card number, and they were unwilling to provide support to find a way to get me my temporary card number.

The cost of my flight kept going up, so I had to book the flight using a different credit card as I could not wait 10 days for it to arrive in the mail. So not only did I not receive the {$200.00} statement credit for using the card for my flight, but I also lost another {$200.00} by waiting to book my flights and having the price increase. Due to Citi not following it's own terms and services I lost out on over {$400.00}.

I now have a credit card I do not want, which was added to my credit history, only because Citi violated it's own terms and conditions.

I am not the only consumer having this issue, you can see others complaining about the same problem in online threads : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
- I received the first email debt notice from XXXX XXXX XXXX on XX/XX/XXXX, attempting to collect a {$7700.00} from me on behalf of Cascade Capital Funding , LLC. The debt was apparently for an ER visit to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
- This debt was first initiated by presumably the parent company, XXXXXXXX XXXX XXXXXXXX, on XX/XX/XXXX, the day after my visit to XXXX XXXX XXXX XXXX XXXX. I ignored it and they didnt press it either at the time. Both facilities closed shortly after. 
- By XX/XX/XXXX, I had received XXXX emails from XXXX XXXX XXXX, and my credit score had fallen from XXXX to XXXX, as the debt had now appeared on all my credit reports. 
- On XX/XX/XXXX, I sent a letter of dispute to both Cascade Capital Funding LLC and XXXX XXXX XXXX. In the letter, I informed them that I paid that hospital bill in full in the amount of {$460.00} on the day of my ER visit to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This was not a deposit. The charge of {$460.00} was for the treatment I received at the ER for XXXX XXXX  : an XXXX  scan, a shot of XXXX  and prescription pain medication. I told them to reinvestigate the matter and contact all credit bureaus to delete this erroneous debt from my credit report. 
- On XX/XX/XXXX, I received a 10th debt collection email from XXXX XXXX XXXX. 
- On XX/XX/XXXX, I resent the letter of dispute to both parties, this time as certified mail with a request for proof of delivery. 
- On XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX dated XX/XX/XXXX, claiming that my dispute was frivolous and therefore did not require a response. I also received an itemized bill which stated the same information as the numerous emails : that I owe a lump sum of {$7700.00} to Cascade Capital Funding LLC. There was no broken-down list detailing exactly what medical service ( s ) or item ( s ) the charge was for. They also said that I owed this amount because my insurance did not cover it, but I did not have insurance at the time, hence why I paid {$460.00} out-of-pocket.

- Since receiving that letter, I have gotten 12 more debt collection emails from them, for a grand total of 22 emails since XX/XX/XXXX, telling me that my debt has been reported to all credit bureaus, and that I owe them {$7700.00}. I dont know what else to do, but I do know that 1 XXXX  scan and 1 shot of XXXX  do not cost {$7700.00}, and I paid for the service I received that day in the ER full. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-16 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:
I am writing to formally report that I am a victim of a data breach. As a result, my personal information has been compromised and used without my authorization, leading to the fraudulent accounts listed below appearing on my credit report. I respectfully request that these accounts be blocked and permanently deleted from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$00.00}

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 2024-12-16 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: FL

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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:
Formal legal Notice of intent to sue for violation of FCRA s 605B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/year> To Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Re ; Intent to Sue for Non - Compliance with FCRA s 605B ( 15 U.S.C s 1681c-2 ) Dear Equifax I am writing to formally notify you of my intent to pursue legal action for your failure to comply with the Fair Credit Reporting Act ( FCRA ) s 605B, which mandates that you block information resulting from identity theft from my credit. report within four business days upon receipt of the relevant documents fraudulent Accounts in question XXXX XXXX XXXX XXXX Account Number XXXX Total fraudulent amount {$11000.00} XXXX XXXX XXXX Account number XXXX Total fraudulent amount {$24000.00} Date fraud began XX/XX/year> XXXX XXXX XXXX Account XXXX total fraudulent amount {$470.00} XXXX XXXX XXXX Inquiry Date XX/XX/year>XXXX XXXX XXXX Date inquiry XX/XX/year> XXXX XXXX XXXX Date inquiry XX/XX/year> XXXX XXXX  Date inquiry XXXXThese accounts along with unauthorized hard inquiries and fraudulent collections have been flagged as identity theft. Enclosed is a Federal Trade Commission identify theft Criminal Complaint XXXX Substantiating the fraudulent nature of these accounts.Your continued failure to block this false information inflicts ongoing damage to my FICO credit report. I demand immediate action to block all disputes accounts, collection, and inquiries within the next four business days, in strict adherence to the FCRA. Furthermore, I seeks detailed explanation regarding your verification process, particularly how it failed to address and correct these inaccuracies in my credit report resulting i harmful ramifications to my credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Description of What Happened : I am submitting a formal complaint regarding errors in my car loan with Santander and my mortgage with XXXX XXXX  XXXX. These inaccuracies have not only caused confusion and financial distress but have also significantly damaged my credit score. 
Santander Car Loan : My car loan with Santander was paid in full on XX/XX/year>2024, for the amount of {$20000.00}. Despite this, the account has not been updated to reflect the paid-in-full status, leading to errors in reporting. 
XXXX XXXX : My mortgage payments to XXXX XXXX  XXXX have been made on time every month in the amount of {$2500.00} from XX/XX/scrub> 2024 to the current date. However, there are discrepancies in the recorded payment history and balance.

As a result of these errors, my credit score has taken a substantial hit, dropping from XXXX to XXXX, which is completely inaccurate and unfair.

I am requesting an urgent investigation into these matters to correct the errors and restore my credit history.

Desired Resolution : Update and correct the Santander car loan to reflect the paid-in-full status as of XX/XX/scrub> 2024. 
Correct the payment history and balance on my XXXX XXXX  account to reflect on-time payments of {$2500.00} monthly from XX/XX/year>2024 to the current date. 
Immediately correct my credit report to reflect accurate information and restore my credit score to its rightful standing.

Thank you for addressing this matter promptly. Please let me know if additional documentation or information is required to resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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 was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-16 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: PA

Complaint narrative:
According to my credit reports with all three bureaus, there are several inaccurate payments reporting on my account with XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX that are affecting my credit negatively. All three bureaus are reporting inaccurately and showing no data for multiple months which is invalid. Below are the laws that were broken by the creditor and when asked to update reporting they have failed to do so therefore I am requesting that all three bureaus update late payments to paid as agreed or mark them as current.

According to 15USC 1666b. Timing of payments ( 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 was not given this information 21 days before the due date via email or mail. 

15USC 1681a. Definitions ; rules of construction ( 2 ) Exclusions.-The term " consumer report '' does not include- ( A ) any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15USC6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

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