vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 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: SC

Complaint narrative:
After several dispute letters and two FCRA rights under section 609 : Include a statement indicating that I am exercising my right under the FCRA, section 609, and they I am requesting all information related to debts listed on my credit report. State that I am entitled to all documents related to each item, including each original credit application and contract containing my signature. Request for removal. In addition to requesting information about items in your credit report, include a statement reminding the credit bureau that if they can not verify an item by locating the original contract or other documents necessary to validate a given item in your credit report, they must remove that item within 30 days.

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 2024-02-25 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: SC

Complaint narrative:
After several dispute letters and two FCRA rights under section 609 : Include a statement indicating that I am exercising my right under the FCRA, section 609, and they I am requesting all information related to debts listed on my credit report. State that I am entitled to all documents related to each item, including each original credit application and contract containing my signature. Request for removal. In addition to requesting information about items in your credit report, include a statement reminding the credit bureau that if they can not verify an item by locating the original contract or other documents necessary to validate a given item in your credit report, they must remove that item within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
By Law under the Fair Credit Reporting Act, all three credit bureaus share information that should be equally accurate. I have compared my XXXX report to Equifax and they are NOT equally accurate, they are completely off! Therefore, that is complete violation of the FCRA! And as far as I know and understand Equifax HAS TO ABIDE by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In my entire credit history ( 25+ years ) I was late with one credit card payment for XXXX in XX/XX/year> which was paid when I was notified by that company 32 days later. Due to that Citi Bank, who I have four credit cards with and Never missed a payment on any of them reduced my credit line on all four making my credit score drop 50 points. Every time i make a substantial payment on any Citi Bank card they reduce my available credit line to within {$100.00} of my balance making my credit score go down even more. This action on their part is responsible for my credit score dropping 127 points in three months making me appear less credit worthy for any credit transaction. My emails and phone calls were not responded to and i can not get them to reconsider the damage this arbitrary action has and will cause me. 
Can you help me. My credit score was as high when they solicited me for the Citi cards as when they started to eliminate credit lines as I made payments. Their actions have really hurt me with auto and other insurance rates as well. They will not respond to me and keep this unfair action up each month. Please help.

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 2024-02-26 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: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-02-25 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: TN

Complaint narrative:
All credit Bureaus are required by law to ABIDE by the Federal Credit Reporting Act. By law all three credit bureaus are required to share information, so ideally, all three should be equally accurate. By examining and comparing Experian and my XXXX report Experian obviously is not in compliance with this law because Experian is reporting inaccurate information. Therefore, Experian 's information of my credit needs to mirror XXXX! As PER LAW!!

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 2024-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TexCap Financial, LLC
State: NH

Complaint narrative:
I was given an auto loan in XXXX of 2019 by XXXX XXXX XXXX XXXX sold my loan to TEXCAP. I asked at the begining of this loan for paperwork defining the terms of the loan. Especially where they are a new company to me. I wanted to make sure the company wasn't fraudulent. 
Texcap sent me back the paperwork from my XXXX XXXX XXXX 
I have now been paying back the loan originally from XXXX  now to TEXCAP. I noticed there is an added amount added to the agreed amount of {$8.00} which there is no disclosure as to what it's for. The interest I have been paying has not been calculated correctly. I have asked repeatedly for a break down of loan payments made. How much in interest, how much to principle. To make sure I'm being charged correctly and not over paying. 
To date no break down has been furnished. No truth in lending disclosure nothing to help me as a consumer to know that I am not being over charged. Which I feel I am because of their refusal to furnace any documentation. 
Please help me get a break down of payments made as well as applied interest and principle payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I made a payment of {$370.00} on my Capital One Quicksilver card. To my surprise, I got a notification of fraud and that my card was restricted. I called and the representative sent a verification to the Capital One app to verify my identity and then said they needed to call my bank to verify it was me making the payment. I asked for a supervisor. I told her I was not going to be doing a XXXX way call with my bank because : that is a breach of my security having them on the line while I verify my information with my bank, it is Sunday and they're closed, and I am not able to call during normal business hours because I work and Im not spending my lunch hour doing that. A manager came on the line and I told him I felt like I was in the Twilight Zone. I asked him what was it about my payment that caused it to be flagged for fraud. He couldn't tell me. This isn't the first time I have made a payment with this checking account. The Fraud Manager couldn't help me. Everything is read from a script and they aren't able to think and troubleshoot a problem. I told him Capital One needed to do whatever they needed to but I would not be calling my bank with them. He told me if that wasn't done then the card would stay restricted. This left me no other choice but to close my accounts. The manager couldn't care less Capital One was losing a customer with two products. He also told me I couldn't speak with an escalations team. I was going to open a CD with this bank too. I'm glad I didn't. Not only is this situation frustrating, but having to close my accounts also hurts my credit score. I should not be forced to make a XXXX way call to my bank to make a payment on my credit card. I shouldn't be forced to do that to keep my account active. This is a very very bad practice and Capital One 's Fraud department needs to be audited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: AR

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 Account name : XXXX XXXX XXXX XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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: SC

Complaint narrative:
After several dispute letters and two FCRA rights under section 609 : Include a statement indicating that I am exercising my right under the FCRA, section 609, and they I am requesting all information related to debts listed on my credit report. State that I am entitled to all documents related to each item, including each original credit application and contract containing my signature. Request for removal. In addition to requesting information about items in your credit report, include a statement reminding the credit bureau that if they can not verify an item by locating the original contract or other documents necessary to validate a given item in your credit report, they must remove that item within 30 days.

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 2024-02-25 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: CA

Complaint narrative:
I'VE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR : MERCHANTS CREDIT TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I DID NOT PROVIDE MERCHANTS CREDIT OR THEIR CLIENT " XXXX XXXX XXXX '', WITH MY SOCIAL SECURITY NUMBER. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. 

IVE REQUESTED FOR TRANSUNION AND XXXX TO COMPLETE AN INVESTIGATION AND VALIDATE THE DEBT. THEY HAVE YET TO DO SO, I ASKED THEM TO MAIL ME ALL DOCUMENTS USED TO VERIFY THIS DEBT AND PROVIDE ALL DOCUMENTS USED TO VERIFY THIS DEBT FROM THEIR INVESTIGATION. THEY HAVE REFUSED TO DO SO AND HAVE YET TO VALIDATE THIS DEBT. THEY ONLY TOOK MERCHANTS CREDIT AT THEIR WORD. THESE TWO CREDIT REPORTING AGENCIES DO NOT REVIEW ALL FACTS AND DO NOT COMPLETE THOROUGH INVESTIGATIONS. THEY ALSO DO NOT PROVIDE THE RESULTS TO THE CONSUMERS IF THEY DID NOT FOLLOWING THE LAW.

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 2024-02-25 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: LA

Complaint narrative:
Sent letters out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX no response after more than 60 days. please delete and remove the following accounts from my credit report in accordance with the CFRA. 





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

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 2024-02-25 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: LA

Complaint narrative:
Sent letters out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX no response after more than 60 days. please delete and remove the following accounts from my credit report in accordance with the 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a XXXX credit card that went delinquent XX/XX/XXXX. The account went Charge off ( XXXX  ) XX/XX/XXXX. XXXX reported it XXXX  until XX/XX/XXXX, then reported no data to Equifax until XX/XX/XXXX. This caused Equifax to report " Date of major delinquency reported '' to be XX/XX/XXXX. I have disputed this 2 times with Equifax. They know that because of the incorrect reporting my credit score went down around XX/XX/XXXX. They have stated that they will do nothing because XXXX is reporting it as accurate even though they can clearly see inaccurate information. The decrease in my Equifax credit score has caused me to be denied credit. 
A supervisor at Equifax stated that if someone reports any inaccurate information, the company will always take the lenders information as true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
I paid the bill in full to XXXX witch at the time was XXXX dollars but they then shut my cell phone off and prevented me from using my phone during XXXX this was back in XXXX  then they charged me XXXX dollars I refused to pay more than what I owed and they put it negative on my credit report and it was reported for that way it went past the Ohio state of limitations witch is now XXXX  years finally it was removed from my credit report a month ago but today XX/XX/XXXX it has returned under Jefferson capital collection company again for the same amount XXXX dollars I am being scammed for more money than I actually owe and it should not be on my XXXX credit report or XXXX or XXXX report I will not be threatened or intimidated to pay far more than I have already paid directly to XXXX the account was paid in full and should not have ended up on my credit report I call this completely fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Notice of Default This is a notice of default with the opportunity to cure. 

XXXX. ) On XX/XX/year>, receivables sent to American Express XXXX XXXX XXXX XXXX XXXX, NY XXXX via certified mail tracking # XXXX delivered to an agent signed by XXXX XXXX on XX/XX/year> at XXXX, with return receipt tracking # XXXX delivered to my postal address XX/XX/year>. 
XXXX. ) On XX/XX/year>, receivables sent to American Express XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX, article address to XXXX XXXX, title Treasurer in American Express Third Supplemental Indenture. Appointing XXXX XXXX with Medallion Stamp Guarantee, which preventing the Unauthorized Transfer of Securites by certified mail tracking number XXXX ; delivered XX/XX/year>. Certified article signed by agent XXXX XXXX on return receipt tracking number XXXX delivered to my postal address. 
XXXX. ) On XX/XX/year>, securities sent registered mail to American Express XXXX XXXX XXXX XXXX XXXX, Tx XXXX General Information/Investor Relations Dept with confirmation tracking number XXXX delivered XX/XX/year> at XXXXXXXX XXXX 
XXXX. ) Dated XX/XX/year> ; American Express mailed a letter to a postal address I no longer reside at, attached with this Notice of Default letter. 

As of today, XX/XX/year> no one responded other than a breach of fiduciary duties letter ( letter sent dated XX/XX/year> ). This is an opportunity to cure this matter. The next step will be filing a complaint with the Federal Reserve, the Comptroller of the Currency and the Board shall prescribe Regulations establishing such procedures as may be necessary to carry out in the Federal Reserve Act section 29., Civil Money Penalties. Requesting maximum amounts of penalties for the violation described in subsection ( c ), requesting 1 percent of the total assets of American Express Bank if not cured.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: MD

Complaint narrative:
To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i. 
In response to my dispute regarding the account XXXX XXXX ACCOUNT # XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate. 
According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The reporting of these account ( XXXX ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated. 
I hereby request the immediate deletion of this account from my consumer reports. 
Enclosed, please find a copy of my identification and a recent utility bill for verification purposes. 
Sincerely, 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