vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 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: NC

Complaint narrative:
THIS WILL BE MY 3RD ATTEMPT TO CORRECT THIS ISSUE. THIS COMPANY IS REPORTING INACCURATE INFORMATION TO MY CONSUMER PROFILE. I HAVE NEVER HAD AN ACCOUNT WITH THIS CREDITOR. 

I REQUESTED VERIFICATION AND THIS ACCOUNT IS UNVERIFIABLE. 
ALSO AFTER FURTHER INVESTIGATION ONLINE INFORMATONS SERVICED DOES NOT HAVE THE PROPER CREDENTIALS TO ATTEMPT TO COLLECT ON ANY DEBTS IN THE STATE OF NC. 
I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED ON MY CONSUMER PROFILE. THIS IS NOW IN VIOLATION OF 15 USC 1681B. 
FURTHERMORE FURNISHING AN ACCOUNT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 THIS BEEN REPORTED TO MY CONSUMER PROFILE IS AFFECTING MY ABILITY TO OBTAIN HOUSING

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: NC

Complaint narrative:
THIS WILL BE MY 3RD ATTEMPT TO CORRECT THIS ISSUE. THIS COMPANY IS REPORTING INACCURATE INFORMATION TO MY CONSUMER PROFILE. I HAVE NEVER HAD AN ACCOUNT WITH THIS CREDITOR. 

I REQUESTED VERIFICATION AND THIS ACCOUNT IS UNVERIFIABLE. 
ALSO AFTER FURTHER INVESTIGATION ONLINE INFORMATONS SERVICED DOES NOT HAVE THE PROPER CREDENTIALS TO ATTEMPT TO COLLECT ON ANY DEBTS IN THE STATE OF NC. 
I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED ON MY CONSUMER PROFILE. THIS IS NOW IN VIOLATION OF 15 USC 1681B. 
FURTHERMORE FURNISHING AN ACCOUNT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 THIS BEEN REPORTED TO MY CONSUMER PROFILE IS AFFECTING MY ABILITY TO OBTAIN HOUSING

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 2024-03-23 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: MI

Complaint narrative:
1.ACCOUNT-XXXX XXXX  XXXX1 5 U.S CODE 1681b-PERMISSIBLE PURPOSE And -15USC 1681 a ( d\ ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. The negative accounts have been reported without mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. Doing a full audit on this account because I have no received securities on the account above and only a full audit will show where they have been going and I will be taking full legal action for it.

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 2024-03-23 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: GA

Complaint narrative:
I noticed there are errors on my credit report that EXPERIAN did not remove after I sent in a dispute. This is affecting my ability to purchase a home.

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 2024-03-23 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:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX section XXXX a ), it is crucial to ensure that consumer reporting agencies fulfill their significant responsibilities with fairness, impartiality, and a commitment to respecting the privacy rights of consumers. As recognized consumer reporting agencies, both XXXX and Experian, and myself as the consumer, possess the right to safeguard personal information, as emphasized by XXXX XXXX XXXX, outlining XXXX 's policy that financial institutions actively uphold customer privacy. Designated as a " Furnisher of information to credit agencies '' within the financial institution category, XXXX XXXX XXXX section XXXX a section XXXX specifies that a consumer reporting agency may only furnish a consumer report based on the written instructions of the respective consumer. Furthermore, XXXX XXXX XXXX ( a ) ( XXXX ) explicitly states that a consumer reporting agency is forbidden from including certain adverse information in a consumer report without obtaining proper authorization. Reporting this account as an adverse item without my permission constitutes a clear violation of this legal provision. In alignment with XXXX XXXX Code XXXX ( A ) ( XXXX ) A, it is prohibited for a person to provide inaccurate information to a consumer reporting agency if they know or reasonably believe it to be inaccurate.

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 2024-03-23 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: NC

Complaint narrative:
THIS WILL BE MY 3RD ATTEMPT TO CORRECT THIS ISSUE. THIS COMPANY IS REPORTING INACCURATE INFORMATION TO MY CONSUMER PROFILE. I HAVE NEVER HAD AN ACCOUNT WITH THIS CREDITOR. 

I REQUESTED VERIFICATION AND THIS ACCOUNT IS UNVERIFIABLE. 
ALSO AFTER FURTHER INVESTIGATION ONLINE INFORMATONS SERVICED DOES NOT HAVE THE PROPER CREDENTIALS TO ATTEMPT TO COLLECT ON ANY DEBTS IN THE STATE OF NC. 
I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED ON MY CONSUMER PROFILE. THIS IS NOW IN VIOLATION OF 15 USC 1681B. 
FURTHERMORE FURNISHING AN ACCOUNT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 THIS BEEN REPORTED TO MY CONSUMER PROFILE IS AFFECTING MY ABILITY TO OBTAIN HOUSING

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 2024-03-23 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: GA

Complaint narrative:
I have accounts on my credit report that are in error that Equifax did not remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The COMENITY BANK. Calling me every day like XXXX times. Sometimes every singel hour. I tried to pick up several times but they just hang up. They not ringing long so usually I can't even reach my phone to pick up. I tried to block the call but they using like XXXX different number. It's happening every single day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: NE

Complaint narrative:
I took a XXXX loan from USBank and feel like I am getting seriously jacked around. I have tried to be reasonable with USBank but they think they don't even need to communicate with me. I have to talk with XXXX XXXX from USBank to get my money back from XXXX XXXX and XXXX which totaled around XXXX dollars. I thought we were getting on track but apparently not. XXXX months later my balance was at XXXX. XXXX charged XXXX interest, XXXX charged XXXX in interest, XXXX charged XXXX in interest. I have already sent XXXX payment and can imagine will be along same line. Balance has been the same at XXXX the whole time. My payments are XXXX every month. I feel like I am not dealing with a national bank but rather a high interest loan shark with the XXXX. I know this is not correct but USBank won't even talk with me about. Can I get some 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 2024-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a savings account with Capital one. On XX/XX/XXXX, I initiated an ACH transfer of {$88000.00} to my spouse 's account, and the transfer was returned. On XX/XX/XXXX, Capital one initiated a withdrawal of {$88000.00} without my approval or authorization. When I called Capital one customer service, they informed me that my account was already closed, and they refused to tell me the reason and where did the {$88000.00} go. I went to the closest Capital one branch by me ( XXXX XXXX, XXXX, NJ XXXX ) XXXX times, they told me that my account was red flagged and under fraud investigation. Capital one is currently holding my {$88000.00}, and can not tell me when will they give me back my money. The {$88000.00} is originally a transfer from my own XXXX XXXX savings account, originated from my and my husband 's direct deposit salary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: FL

Complaint narrative:
in response to report # XXXX for XX/XX/XXXX I requested corrections be made to my credit report that were inaccurate then received letter stating that they don't believe that was sent in wasn't me. on XX/XX/XXXX I called Experian about this letter they stated that I have to send in my dispute again because they don't believe it was me when I sent in my license a letter from the IRS bank statement birth certificate proving who I am and the only address that I should be associated with. I am aware that this stall letter is nothing more than a way to finagle more time

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 2024-03-23 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: NC

Complaint narrative:
I provided the listed companies with proof of my signature to verfiy that I did not endorse the instrument and they have not removed the listed accounts from my credit report. 
I am writing you concerning my credit file with your company. I have obvious fraud on my credit report. There is another social security number showing on my credit ending in XXXX that does not belong to me. I am requesting that you honor Section 605B ( c ) ( 3 ) ( A ) of Fair Credit Reporting Act and the Blocking of my credit file. It is obvious that you guys have my information mixed up. I have a Right to Consumer Right to Privacy according to 15 U.S. Code 1681 a ( 4 ).

15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mines, which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. 
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can\'t actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDNT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer right have been violated, and I have been taken advantage of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: NC

Complaint narrative:
I provided the listed companies with proof of my signature to verfiy that I did not endorse the instrument and they have not removed the listed accounts from my credit report. 
I am writing you concerning my credit file with your company. I have obvious fraud on my credit report. There is another social security number showing on my credit ending in XXXX  that does not belong to me. I am requesting that you honor Section 605B ( c ) ( 3 ) ( A ) of Fair Credit Reporting Act and the Blocking of my credit file. It is obvious that you guys have my information mixed up. I have a Right to Consumer Right to Privacy according to 15 U.S. Code 1681 a ( 4 ). 

15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mines, which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. 
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can\'t actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDNT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer right have been violated, and I have been taken advantage of.

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 2024-03-23 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: NC

Complaint narrative:
I provided the listed companies with proof of my signature to verfiy that I did not endorse the instrument and they have not removed the listed accounts from my credit report. 
I am writing you concerning my credit file with your company. I have obvious fraud on my credit report. There is another social security number showing on my credit ending in XXXX that does not belong to me. I am requesting that you honor Section 605B ( c ) ( 3 ) ( A ) of Fair Credit Reporting Act and the Blocking of my credit file. It is obvious that you guys have my information mixed up. I have a Right to Consumer Right to Privacy according to 15 U.S. Code 1681 a ( 4 ). 

15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mines, which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. 
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can\'t actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDNT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer right have been violated, and I have been taken advantage of.

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 2024-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Upon reviewing my consumer report after previously disputed Capital One has not corrected the information on my consumer report.Capital One has violated many fair reporting acts.Information is still inaccutare and not completed according to 15 U.S code 1681s ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Also according ( 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. 
As well in 15 U.S code 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. 
I the consumer Never received any statement to my mailing address! If creditor believes statement was sent to my resident may creditor show me a certified receipt showing I the consumer sign and received this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I purchased XXXX tickets from XXXX XXXX in XX/XX/year> to go from XXXX to XXXX. There were many changes to these tickets as shown on attached document " XXXX XXXX XXXX XXXX XXXX ''. The total shown in the file is {$2800.00}. These were refundable tickets. I paid this amount to Chase in XXXX. The flights were cancelled in XX/XX/year>. At first XXXX XXXX refused to refund the XXXX  ticket, so I put XXXX ticket in dispute. Soon thereafter XXXX agreed to refund both tickets and credited my Chase account for the full amount that I had paid for the XXXX tickets, {$2800.00}. Shortly thereafter Chase refunded this amount to my checking account and the dispute was closed successfully. A XXXX  later Chase put {$1400.00} back on my account with no charge reference and has added interest and fees for a total amount of {$1500.00} ( shown on the attached document " XXXX XXXX XXXX XXXX ''. Chase justifies this mysterious addition to my bill in the attached letter " XXXX XXXX XXXX XXXX XXXX  ''. XXXX from Chase agrees with everything that I said in his letter but then denies my request for a refund of {$1400.00}. I have requested no refund. I simply want the charge of {$1500.00} removed from my bill. It has nothing to do with XXXX XXXX and the original dispute. It is a Chase billing error. I have tried to call XXXX at the number and extension provided in his letter. He never answers. I leave a message and he never calls back.

Company response to consumer: Closed with explanation