vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Today at Kohls I was told verbally and in writing if I signed up for their credit card I would get 40 % off my total purchase of {$300.00}. I had a 15 % coupon and did not want to sign up for the credit card but thought great 40 % off {$300.00} is a great deal. The sign right in front of me also in writing said 40 % off. I asked to confirm if it would be 40 % off everything and was told yes. AFTER I agree and sign up, I only got {$12.00} off my {$300.00}. I was extremely upset and wanted to just cancel and return everything and walk out empty handed because I got scammed and lied to. I could have just used my coupon and was lied straight to my face verbally and in writing that I would receive 40 % off just to get me to sign up for their store credit card. Since even if I return everything they said the card would be sent to me house regardless. Immediately after I called and cancelled the card but now I have this extra opening/closing card on my account. I will not shop at Kohls again and I will tell everyone what a sham and scam they are trying to con people into signing up for their credit card and then they don't even give you the percentage off they promise so it's just a scam to get you to sign up. They need to be reported for scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: IL

Complaint narrative:
Im positive I always pay on time, but I dont understand why this company has reported late payments for certain months. By law ( USC 1666b ), billing errors must be fixed, and the account should be marked as " paid 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 2024-11-30 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:
Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. This collection Informationon my Transunion XXXX report is not refelecting the same infromation that was removed from XXXX XXXX Collections ( XXXX XXXX XXXX ) Transunion Account # XXXX Collections ( XXXX XXXX XXXX ) XXXX Account # XXXX Delete ASAP.

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 2024-11-30 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: GA

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on 11/16/2024. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

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 2024-11-30 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and as a result, several accounts have been fraudulently opened in my name. I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$1400.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$12000.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$5800.00} XXXX. XXXX XXXXXXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$5700.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : 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 2024-11-30 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: CA

Complaint narrative:
It has been brought to my attention that my personal information was exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with, I have asked the CRAs for a validation of debt however the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, and a copy of the XXXX report showing my information has been compromised in a national data breach and a validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: TX

Complaint narrative:
I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ] and followed up on [ XX/XX/year> ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.

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 2024-11-30 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: TX

Complaint narrative:
I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ] and followed up on [ XX/XX/year> ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.

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 2024-11-30 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: NY

Complaint narrative:
I

am writing to formally notify you that I am a victim of a data breach and identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  - Inquiry Date : 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 2024-11-30 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: MS

Complaint narrative:
Subject : Request to Block and Delete Fraudulent Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) & FCRA 605 ( b ) I am writing to formally notify you that I have been a victim of a data breach and identity theft, resulting in several fraudulent accounts and inquiries appearing on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit file : Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$580.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$580.00} XXXX. XXXX XXXX - Account Number : XXXX - XXXX : XX/XX/XXXX - Balance : {$450.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$6100.00} XXXX. XXXX XXXX XXXX- Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$190.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$120.00} Fraudulent Inquiry : XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: MS

Complaint narrative:
Subject : Request to Block and Delete Fraudulent Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) & FCRA 605 ( b ) I am writing to formally notify you that I have been a victim of a data breach and identity theft, resulting in several fraudulent accounts and inquiries appearing on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit file : Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$580.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$580.00} XXXX. XXXX XXXX - Account Number : XXXX - XXXX : XX/XX/XXXX - Balance : {$450.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$6100.00} XXXX. XXXX XXXX XXXX- Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$190.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$120.00} Fraudulent Inquiry : XXXX. XXXX XXXX - Inquiry Date : 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 2024-11-30 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: IL

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-11-30 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and as a result, several accounts have been fraudulently opened in my name. I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$1400.00} XXXX. XXXX XXXXXXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$12000.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$5800.00} XXXX. XXXX XXXX XXXX  - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$5700.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and as a result, several accounts have been fraudulently opened in my name. I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$1400.00} XXXX. XXXX XXXXXXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$12000.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$5800.00} XXXX. XXXX XXXXXXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$5700.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : 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