vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 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: FL

Complaint narrative:
This is my complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. I want the Credit Bureaus to fixed this account nor be corrected right away : XXXX XXXX XXXX Balance : {$370.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: SC

Complaint narrative:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: NY

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, NY XXXX. My cell phone number is XXXX. 

I am writing to file a complaint against Experian credit bureau for maintaining inaccurate information in my credit file that I have disputed multiple times. There are incorrect hard inquiries from [ names of creditors ] dated [ dates ] that I did not authorize. 

This inaccurate information is damaging my credit score and violating Section 15 of the Fair Debt Collection Practices Act and Fair Credit Reporting Act regarding false representations of information.

I have disputed these unauthorized hard inquiries with Experian in writing on [ dates ] but the information remains unchanged. Experian has failed to reasonably investigate per the FCRA and has allowed misleading information to stay in my file. 

I request the CFPB immediately open an investigation into Experian for potential legal violations and require the inaccurate information be corrected to prevent further harm. Please contact me at the number above to discuss this complaint and appropriate resolutions. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX MY XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$950.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$600.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: NC

Complaint narrative:
I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXXXXXX Balance Owed : {$3900.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3200.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$3200.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$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 2023-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022 I walked into XXXX XXXX, XXXX to finance a vehicle for personal and family purposes. Looking over my contract I have noticed that their company violated the Truth-In-Lending Act Law that should have been honored within my contract. They also violated my Right to Rescission ( 12 CFR 1026.23 ). The total sale price on the ( XXXX ) XXXX XXXX XXXX is {$31000.00} with {$1000.00}. 

I wrote a Notice Rescission of Transaction, along with an Affidavit of Truth of Deceptive Business Practice, and a hand written letter to CFO XXXX XXXX XXXX & XXXX XXXX XXXX, and I sent it Certified Mail. I made him my limited power of attorney. I gave him full power to apply the principals balance to the principals account and to communicate in writing upon the completion of the authority I gave him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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:
XXXX was given a instrument to discharge the debt to the irs and willfully violated my consumer rights according to : House Joint Resolution 192 - to suspend the gold standard and to abrogate the gold clause. 
18usc8 Obligation or other security of the United States defined - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks. 
31 U.S. Code 5118 - Gold clauses and consent to sue- ( a ) In this section ( 1 ) gold clause means a provision in or related to an obligation alleging to give the obligee a right to require payment in ( A ) gold ; ( B ) a particular United States coin or currency ; or ( C ) United States money measured in gold or a particular United States coin or currency. 
( 2 ) public debt obligation means a domestic obligation issued or guaranteed by the United States Government to repay money or interest. 
ucc 3-311 ACCORD AND SATISFACTION BY USE OF INSTRUMENT - ( a ) If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim Ucc 3-603 TENDER OF PAYMENT ( copy of rejection letter provided ) - ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 
XXXX is entitled to enforce the instrument i sent them and willfully reject to do it which pursuant to ucc 3-603 makes this account of my credit report unaccurate. 

I got a letter through this case number with a pdf attached to the case.

CFPB Case No. : XXXX XXXX Account XXXX. : XXXX in XX/XX/2023 through pdf provided stating " XXXX XXXX XXXX XXXX does not accept promissory notes or a Form 1099A as payment and will only accept valid legal monetary instruments in the form of United States currency for payments or payoffs. '' This accepting that they got the legal instrument to discharge debt but willfully denied and pursuant to ucc 3-603 there is discharge.

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 2023-08-31 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: FL

Complaint narrative:
I am requesting for the assistance for immediate removal of outdated items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am a holder of both the Venture and Venture X credit cards by Capital One. I am unable to access my credit card transactions online or use the travel portal for the last 2 months despite having an active account. 

I have made numerous calls with Capital One customer support and been passed around to many different teams across Capital One but have not received a resolution. I have had a total of XXXX hours of phone calls with Capital One over the past 30 days. I pay {$490.00} worth of annual fees for both travel credit cards but am unable to use any of the travel benefits. 

Capital One has failed to provide any estimated time of resolution nor can they enable me to book travel using their travel agents. I was told that I am welcome to quit my bank without any refund of credit card fees or miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: NJ

Complaint narrative:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute these bankruptcy in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please totally delete these bankrupcies from my credit report. 

XXXX XXXX  Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 2023-08-31 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: FL

Complaint narrative:
I would like for all the incorrect information to be removed from my credit report because I did not authorize nor did I open those accounts.XXXX XXXX  needs to be removed in the balance of XXXX opened XX/XX/XXXX, XXXX XXXX XXXX  needs to be removed in the balance of XXXX dollars opened XX/XX/XXXXXXXX XXXX XXXX  needs to be removed in the balance of XXXX dollars opened XX/XX/XXXX, XXXX XXXX XXXX with a balance of XXXX dollars needs to be removed from my credit that was opened on XX/XX/XXXX that's not my car, and XXXX XXXX needs to be removed. I would like all the inquiries removed because I did not open those accounts XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX don't belong to me. I would like my name spelled correctly along with the correct address.

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 2023-08-31 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: FL

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XX/XX/XXXX XXXX XX/XX/XXXX Reporting XXXX location of Fraud : XXXX XXXX XXXX XXXX NJ The person responsible for fraud of misuse of customers credit card information is the only manager that was working during the times of XXXX- XX/XX/XXXX. 
I have proof of evidence of being overcharged twice on my rental and an unknown transaction of XXXX dollars for a service I never used and it was the same time I rented from XXXX. The only people that had access to my credit card and information was the manager of this XXXX location. My bank didn't bother to help me since XXXX didn't want to give out the information and according to my bank they was deleting my past transactions out the system. And then when I had to send out physical evidence to my bank thru the mail, my evidence got lost so now I'm back again to seeking justice. Due to them overcharging me and the money they took from me never bounced back into my account, my account is negative XXXX XXXX and citibank had no choice but to close my account and basically told me to take legal action to clear up my rental debt now. I paid for all my rental costs plus the XXXX tolls so there should be no reason why they messed up my transactions. I told XXXX multiple times and their response is that they can't read my transactions thru their system and I can only see my transactions at the place of the rental. I was paying XXXX a week on the rental with a XXXX dollar deposit and a additional XXXX a week to cover tolls, I don't know why they decided to charge me a extra XXXX dollars in my bank account. All the money I was paying weekly was still being taken out my wallet even tho it declared it as pending, if that was the case my money would of bounced back to the original account but now my money is missing, they charged me XXXX to where my account went negative and had no choice but to close my account. I would like the XXXX charges to be disputed and a investigation on the person responsible for scamming my account that is working behind 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 2023-08-31 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: CA

Complaint narrative:
Capital One furnished my information regarding my Transactions with them to non-affiliated third parties without my consent which they CAN NOT DO, according to 15 U.S. Code 6802a - Obligations with respect to disclosures of personal information. 

Furthermore, according to 15 U.S. Code 1681a ( 2 ) ( i ) - Definitions ; rules of construction, which states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report... 

Therefore, the transactions between me and Capital One should not be reflected on my consumer report. 

Lastly, per 15 U.S. Code 1681s2 ( A ) which states : 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. 

In addition, section ( B ) states : 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. 

See attached consumer report for INACCURATE information Highlighted and Circled in RED that being reported on my consumer report, which I never approved to be furnished to non-affiliated third parties in the first place.

Company response to consumer: Closed with explanation