vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
I looked at my Credit Report XX/XX/2024 and noticed some things are incomplete & not accurate. I sent a letter to experian XX/XX/2024 & asked them to investigate the completeness and accuracy.I received the results and noticed they did not fix nothing.They are breaking federal laws. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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.

( 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 agencyshall ( 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. 

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 ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and want this to be fixed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: TX

Complaint narrative:
The late payment on the account listed below needs to be removed from my credit report because there's no paperwork that legally verifies them. The company sent a letter stating that they could not find any record of this account. This is false reporting and a violation of section 609! How can you continue to report, when neither one of you can prove that this account was late. I was told that there's no record of my info matching this account ( letter attached ), so why are they still reported on here and how can you be verifying them as accurate? It's absolutely impossible and I believe that there isn't even an investigation occurring. Please see the letter from the company and remove the late payments on account XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect XXXX : - XXXX Employer - XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violate 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|

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've had a credit card with Capital One for at least 5 years. Since then I was given 2 additional cards due to my payment history. Last month I was presented with a letter that my accounts were being closed due to fraud. I called Capital One to inquire about this and was told because I bounced 9 checks over the past years. I'm listed as fraud, which made no sense. They payments I've made have come from my account, my fianc account who is an authorized person, and my mother -in - law who actually paid the cards off last year. I don't like that I'm being labeled as a fraud my accounts was closed and they are still asking me to pay my account, which I am using the same banking account they said I was using as fraud, which is crazy. Also, I earned reward points, which was not applied to the balance before they closed my account. I was told since this happened with one of the credit card accounts, they closed all of them. That really hurt because I worked hard to build myself up with capital one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: TX

Complaint narrative:
You are in violation for reporting incorrect information for accounts XXXX XXXX XXXX The accounts were opened in XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) and charged off due to delinquency in XX/XX/XXXX with balance of {$500.00} ( XXXX ) and XX/XX/XXXX with a balance of {$1000.00} ( XXXX ). My credit report does not match this information. Furthermore, the payment history on these accounts proves their inaccuracy. How can 3 bureaus report 3 different sets of payment dates? I would like to see the original source of info as well as any documentation on file. Please also send me the paperwork that was used to 'verify ' these accounts. These accounts need to be removed from my credit report because they do not meet the requirements of the FCRA for inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I noticed since XX/XX/year> that you have charged off my Capital One Silver Credit Card, but I never received a 1099 for the balance of {$1700.00} that you reported to the IRS. Could you please forward the 1099 to me immediately or update my balance with all credit-reporting agencies to zero? You will find my email address in the information section below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NV

Complaint narrative:
I had a 6+ month fraud case with Discover card. It was finally settled but I had to incur significant expenses providing evidence against the fraud charges. I was told by investigators that my expenses would be compensated was charges were reversed and credited back to account. I didnt request the money from the investigation department because my case and profile was flagged as being only to be handled XXXX XXXX in the executive office. But all I received from her was a message that the request for refund was being reviewed then a letter finally after a few phone calls that the expenses were not being refunded to me because it was my responsibility. Not sure how the burden of proof is my responsibility. I was never given opportunity to provide any information in the case until it was closed. It was never made clear what I needed to provide. They said provide anything I had and they review. It is not a proper way to handle a case. I had to provide information 4 times in order to get the charges reversed. But if from the being was told to provide a police report I would have started with that information. They told me they understood the difficulties in getting the police report based on the location. So, was told to provide everything else as evidence but at the end of the day was not enough until they received police report. My expenses were because discover card doesnt have an automated online portal for uploading information. My only options given were fax or us mail. Well, not knowing I would have difficulty getting information to discover card by fax I used a few different online fax services which had either weekly membership or per page fees. I spent about {$45.00} in fax services but after a month of wasted time and discover card saying they didnt have my faxes or information I decided to use a different method. I then only sent certified mail which I spent {$90.00} sending XXXX packages. Cost of printing and certified mail fees. The last cost was the attorney used to obtain my police report. This cost was {$170.00} since was in a different country ( XXXX ). So the total cost was {$310.00}. I requested {$300.00} to reimburse my expenses. This was denied. Doesnt include my wasted time of 100+ hours. This lack of urgency and lack of technology caused unnecessary expenses. This {$300.00} was more than 10 % of the fraud charges. I want someone besides XXXX XXXX to review my request because she doesnt return my phone calls which is totally unprofessional. I have contacted multiple executives at Discover card without any response or help. Only my file flagged as only refer to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
CAPITALONE Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, IXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry 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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several inaccurate addresses listed on my credit report, which I obtained on [ Date of Report ]. These addresses are not associated with me and may be indicative of identity theft. The following addresses are inaccurately reported : XXXX XXXX XXXX XXXX, XXXXXXXX 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 These addresses do not reflect my current or past residences and are likely associated with identity theft. As such, I request their immediate removal from my credit report to prevent further harm and inaccuracies. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws, I assert the following rights and requirements : FCRA Section 605B requires consumer reporting agencies to block the reporting of information that results from identity theft upon request.

FCRA Section 609 provides consumers the right to dispute inaccurate information on their credit reports.

FCRA Section 611 mandates that consumer reporting agencies investigate disputed items and correct or delete information found to be inaccurate or unverifiable. 


Additionally, the Identity Theft and Assumption Deterrence Act ( ITADA ), 18 U.S.C. 1028 defines identity theft and imposes penalties for those convicted of the crime.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several inaccurate addresses listed on my credit report, which I obtained on [ Date of Report ]. These addresses are not associated with me and may be indicative of identity theft. The following addresses are inaccurately reported : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX These addresses do not reflect my current or past residences and are likely associated with identity theft. As such, I request their immediate removal from my credit report to prevent further harm and inaccuracies. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws, I assert the following rights and requirements : FCRA Section 605B requires consumer reporting agencies to block the reporting of information that results from identity theft upon request. 
FCRA Section 609 provides consumers the right to dispute inaccurate information on their credit reports.

FCRA Section 611 mandates that consumer reporting agencies investigate disputed items and correct or delete information found to be inaccurate or unverifiable.

Additionally, the Identity Theft and Assumption Deterrence Act ( ITADA ), 18 U.S.C. 1028 defines identity theft and imposes penalties for those convicted of the crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: AR

Complaint narrative:
I have a late payment on my credit report with a company I've never been late with and I can't seem to get them to remove it. I was on auto payment and i have 1 30 day late showing up and am not getting anywhere when i try to ask them to remove the late. Can you help me to get this resolved? Anything you can do to help would be greatly appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
There were some charges sent to my account I warned the bank about the fraudulent charges from XXXX and the bank did nothing. So to protect my money I didn't put any money into the account or the bank would've kept paying them. Instead they attacked me like I did something wrong. Since I been with this bank treated different from other members. They keep shutdown my accounts with no warning even though the banking and union credit regulations states that I'm suppose to be warned of any suspension or impending actions against my account. They've shutdown my debit cards and now my bills connect to my other cards is not being paid. XXXX had said the charges wasn't on my apple account. But the bank fail to do the basic fiduciary responsibility for my account everything they do is to inconvenience me. I'm a XXXX XXXX XXXX senior citizen and some of the apps on my phone send my vitals conditions to my doctor office. But only this, there's an individual within this bank singling out my account. There is an award that's coming to my account and they're trying to manipulate my access to my money by using a fraudulent fraud charge on my debit cards and restrict them. Their security was sent a fraudulent flyer from ny that flyer in question is part of a federal case here in NY. Plus they allowing their bank to be used in a XXXX XXXX conspiracy and they acting as if they're not aware or been warned of the source of their false information. One time the person called the bank and falsely claimed my pension check was going to clear one of the banking reps did a 3 way call with my pension fund and was tolded that my pension check was good. This is what I mean that there an individual they're sending false information to and they're just acting on the information as if it's real and not at least waning me of asking if the information is accurate. This bank keeps attacking me like I'm doing something illegal and I'm not. Attached is copy of a fraudulent flyer put out here XXXX. It's illegal and certain individuals were posting. There's a matter here in NY about my vacation money and pension being tampered with and this person is using his influence to interfere with my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: MO

Complaint narrative:
I noticed since XX/XX/2020 that you have charged off my XXXX XXXXXXXX XXXX XXXX XXXX, but I never received a 1099 for the balance of {$1700.00} that you reported to the IRS. Could you please forward the 1099 to me immediately or update my balance with all credit-reporting agencies to XX/XX/XXXX? You will find my email address in the information section below.

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