vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I had a flight with XXXX XXXX, Flight Number : XXXX that was purchased Through Capital One Portal with Flight Disruption Assurance / trip delay insurance which was an additional charge on top of the Flight price. This Protection promised to find me a flight on the same day or next day if my flight was more than 3 hours delayed.

The flight did indeed exceed 6 hours delayed and so I called the number that I was prompted to. One thing to note is that Capital One assures that it will notify you if they detect the delay. That notification never called. It required me to be proactive in order to even get the person on the phone to agree to look at options. The first person to assist me and the manager there as well said there was nothing they could do. There were no flights on any airlines from any nearby airports that day or the next day that they could book for me. However, when I searched for flights on my own, there were plenty of flights that could be booked without issue. I called several times to look for assistance as I believed in the product I bought. The first two times they said there was no incidence number they could provide me, no are they required to give me their names so that I can make records of the call. I continued to ask for helps as I saw possible flights available. One representative told me that because there were NO flights available on their end, my ONLY choice was to have them cancel my flight and nothing else could be done. This was already an option by XXXX XXXX. I also know that the representatives are able to talk to airlines directly for rebooking as my representative did contact XXXX to look for options from their end. Due to my time constraint, I purchased my own flight with the same origin and destination on that day so I could make the event that the protection was supposed to help me with. I am extremely frustrated that a fake and deceptive product was sold to me that cost me money and in the end I had negative benefit. Not only did they give me false protection and reassurance, but I also had to find my own solution after they left me stranded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
THE COMPANY CHARGED OFF THIS ACCOUNT AND FILED ON THEIR TAX RETURN. 15 USC 1681(e)B . I REQUESTED A 1099C AND HAVE NOT RECEIVED IT. ACCORDING TO THE IRS, THIS DEBT IS CONSIDERED CANCELED. THIS ACCOUNT SHOULD NO LONGER BE REPORTED WITH A BALANCE REQUESTING PAYMENT FROM ME.

Account name  XXXX XXXX
Account number   XXXX
Account type   Note Loan
Responsibility  Individual
Date opened   XX/XX/XXXX
Status   Closed. XXXX written off.
Status updated  XX/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 2024-10-17 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: IN

Complaint narrative:
Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.

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 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
This debt collector has not provided me proper debt validation for this allege debit Please delete this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: PA

Complaint narrative:
I never authorized nor signed any documents for this company to collect any debt. According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. 
Delete account immediately for violating XXXX5 USC 1681EB!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: Westlake Services, LLC
State: FL

Complaint narrative:
I am disputing my credit report from a company named western funding they back dated my report and it showed i had lates on my car payments this is not true because i have auto pay i want these lates off my account. they back dated my account and thats against 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 explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 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 XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHRORIZED INQUIRIES : 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 2024-10-17 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: TX

Complaint narrative:
THE COMPANY CHARGED OFF THIS ACCOUNT AND FILED ON THEIR TAX RETURN. 15 USC 1681(e)B . I REQUESTED A 1099C AND HAVE NOT RECEIVED IT. ACCORDING TO THE IRS, THIS DEBT IS CONSIDERED CANCELED. THIS ACCOUNT SHOULD NO LONGER BE REPORTED WITH A BALANCE REQUESTING PAYMENT FROM ME.

Account name  XXXX XXXX
Account number XXXX
Account type   Note Loan
Responsibility  Individual
Date opened XXXX
Status   Closed. XXXX written off.
Status updated  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 2024-10-17 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: TX

Complaint narrative:
THE COMPANY CHARGED OFF THIS ACCOUNT AND FILED ON THEIR TAX RETURN. 15 USC 1681(e)B . I REQUESTED A 1099C AND HAVE NOT RECEIVED IT. ACCORDING TO THE IRS, THIS DEBT IS CONSIDERED CANCELED. THIS ACCOUNT SHOULD NO LONGER BE REPORTED WITH A BALANCE REQUESTING PAYMENT FROM ME.

Account name  XXXX XXXX
Account number XXXX
Account type   Note Loan
Responsibility  Individual
Date openeXXXX XXXX
Status   Closed. XXXX written off.
Status updated XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: MI

Complaint narrative:
I looked at my credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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. 

XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete this inaccurate account 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 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to report an issue with a recent purchase I made on XXXX. I ordered a bike that did not arrive on the expected delivery date. After waiting for over XXXXwo weeks without delivery, I decided to cancel my order. Although the shipper claimed they attempted to deliver the bike and that I refused the delivery, I did not receive any communication or calls from them. 

During this time, I contacted XXXX to inform them of my decision to cancel. XXXX confirmed the shipper 's claim, despite my clear communication that I had not received the bike. Due to the extended delay, I purchased a different bike. 

Now, the charge for the undelivered bike remains on my credit card account. I filed a dispute with my credit card company, but they informed me that the payment has already been processed, and I am still responsible for the charge. Additionally, XXXX has stated that because I initiated a dispute, I am unable to utilize their A-Z Guarantee for this transaction. 

I would appreciate your assistance in resolving this matter, as I believe I should not be held accountable for a product I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information were erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
XX/XX/XXXX, I reported to robinhood about 14 transactions on my account happened without my permission. 2 of the 14 disputes were then credited to my account because they deemed the transactions as unauthorized on XX/XX/XXXX. Then on XX/XX/XXXX, robinhood has closed my account due to suspicious activity. Doing this to my account now makes it impossible for me to receive my {$430.00} that was wrongly used in unauthorized transactions and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

Account name XXXX  XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/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 non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The info provided by citi Citibank is incorrect : you indicated you did not received documentation but documentation was sent and was supporting and here it is a detailed of it and also attached to this complaint : Regarding dispute XX/XX/XXXX {$280.00} XXXX ) XX/XX/XXXX email for the car rental indicating to remove the insurance charge of XXXX cause I was told to contact via email that car rental to remove the insurance cause I did not needed cause I had my own insurance. 

XXXX ) XX/XX/XXXX email to the car rental company indicating the vehicle was defective, vehicle didnt start. 

XXXX ) XX/XX/XXXX email to the car rental reporting the vehicle would stop and that it was picked up by the roadside assistance the previous day. 

This is supporting documentation that I reported the issue and that the car rental did not fixed. This info was all sent to your dispute center team and received by them. 

All there evidence and more was sent to Citibank to properly remove the charge.

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 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Abrahamsen Gindin LLC
State: NY

Complaint narrative:
I do not have a debt from XXXX XXXX XXXX  as i graduated long a go from this university. Abrahamsen Gindin LLC keeps spamming me with mails regarding this debt although I had warned them to not contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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:
To my disbelief, I discovered inaccurate accounts on my credit report this morning, with absolutely no idea how they ended up there. I routinely check my report, and this time was different. I refreshed my browser, hoping for a glitch fix, but the accounts stayed. I am urging a thorough review of the documents Ive sent to resolve this and put my mind at ease for good.

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 2024-10-17 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: IN

Complaint narrative:
Good day! I am checking and sending a complaint to the bureau and company because the inaccurate reporting under my credit report has caused severe damage as a consumer. I have checked

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 2024-10-17 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: PA

Complaint narrative:
I found unauthorized inquiries on my credit report this morning, and Im really confused as to why. I regularly check my report, but this time there were unexpected issues that appeared out of the blue. I even refreshed my browser thinking it might be a glitch, but the inquiries remained. I need this issue resolved immediately by thoroughly reviewing the documents I submitted, so I can finally have peace of mind.

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 2024-10-17 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:
My account with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXXL was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX AND XXXX XXXX XXXXever sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information were erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}

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