vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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:
15 U.S. Code 1681C-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2024-12-22 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: GA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the fraudulent accounts and inquires from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items removed within four days. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681C-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my personal and sensitive data to unauthorized individuals. 

The fraudulent accounts are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The fraudulent inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain 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 explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy rights.

Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately Addresses, Collections, Inquires, Names, Accounts XXXX XXXX XXXX  These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint regarding an account that is inaccurately reported on my credit report. 

Creditor : [ XXXX ] Account Number : [ XXXX ] This account was charged off but has since been paid in full as of [ XX/XX/year> ]. Despite this, it is still being reported incorrectly on my credit report as unpaid or with an outstanding balance. 

I have reached out to the creditor and the credit reporting agencies to resolve this, but the issue remains unresolved. I am requesting your assistance to have this account removed from my credit report or updated accurately to reflect its paid status. 

I have attached proof of payment and correspondence for your review. Thank you for your help in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint regarding an account that is inaccurately reported on my credit report. 

Creditor : [ XXXX ] Account Number : [ XXXX ] This account was charged off but has since been paid in full as of [ XX/XX/year> ]. Despite this, it is still being reported incorrectly on my credit report as unpaid or with an outstanding balance. 

I have reached out to the creditor and the credit reporting agencies to resolve this, but the issue remains unresolved. I am requesting your assistance to have this account removed from my credit report or updated accurately to reflect its paid status. 

I have attached proof of payment and correspondence for your review. Thank you for your help in resolving 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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX - Account number - XXXX XXXX  XXXX - Account number - XXXX XXXX - Account number XXXX XXXX XXXX  XXXX  - Original creditor : XXXX  - Account number XXXX XXXX XXXX  XXXX XXXX XXXX - Original creditor XXXX XXXX XXXX  - Account number - XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/2022 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block

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 2024-12-22 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting. 

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting. 

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Request a car loan and denied reached out to ask reason couldnt answer just saying you will get a letter VERY DISRESPECTFUL ANSWER knowing they took my securities so I pulled my score to see for my self XXXX. I got the letter the score is a XXXX Like XXXX so please send the feds to investigate they stealing from consumers like XXXX please investigate navy federal this needs to stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On or about XX/XX/year>, I discovered that my Chase debit card was missing. Upon logging into my online account, I was astounded to find numerous unauthorized transactions, comprising multiple large ATM and debit transactions, originating from XX/XX/year>, through XX/XX/year>. To prevent further fraudulent activity, I promptly blocked my Chase debit card through my online account. Subsequently, I contacted Chase customer service to report the loss or theft of my card and also informed them that the PIN number was written on the back of the missing debit card. 
I also confirmed that the most recent authorized transaction was on XX/XX/year>, for gasoline, which declined. Immediately after, Chase notified me via email asking me to confirm if I authorized the transaction. I promptly responded affirmatively, and I was able to retry the transaction successfully around XXXX XXXX  on XX/XX/year>. I have included a screenshot of the relevant email for your reference. The unauthorized transactions started to occur the following day on XXXX XXXX. Claim was filed on XX/XX/year> for all XXXX unauthorized transactions. 
Two days after filing my claim, I received multiple letters from Chase on XXXX XXXX & XXXX XXXX informing me that my claim had been denied but I received provisional credit for only one of the ATM transactions. I contacted Chase claims department on XX/XX/year> to inquire as to why my claim was denied, I was informed it was due to two reasons : the main one being the PIN number being written on the back of the card and the second one is inability of Chase to validate if the transactions were unauthorized. However, I find these reasons untenable, as I did not give my debit card to another individual nor did I authorize any of the disputed transactions. Chase didnt send me any fraud email or text alerts in regard to the disputed transactions. Simply because my PIN number was written on the card does not absolve Chase from the responsibility of reversing these unauthorized transactions. This constitutes a clear violation of my rights as a consumer. I promptly reported these transactions and also took proactive measures, such as blocking my card, to minimize potential losses. 

This is amounts for all XXXX unauthorized transactions that occurred from XXXX XXXX XXXX XXXX totaling {$12000.00} ; {$500.00}, {$400.00}, {$1900.00}, {$400.00}, {$2400.00}, {$44.00}, {$700.00}, {$1000.00}, {$1900.00}, {$1200.00}, {$500.00}, {$1400.00} I have included screenshots of the transactions and the letters they sent me. 

There were total of XXXX claims filed. Claim reference numbers : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Complaint Summary Credit Card Dispute Issue with Capital One Description of Issue : On XX/XX/year>, I was charged {$4000.00} by XXXX for a service that was misrepresented. The company promised real estate referrals, but instead, they provided a XXXX system and training videosservices that were not what was advertised or agreed upon. 

I contacted the merchant on XX/XX/year>, to request a refund and inquire about the missing referrals. They failed to respond. As a result, I initiated a dispute with Capital One on XX/XX/year>, and followed their instructions for submitting documentation to support my claim. 

Key Issue with Capital One Handling : On XX/XX/year>, I spoke with two different Capital One managers. One manager stated that I still had time to dispute the charge, while another claimed the dispute window had expired on XX/XX/year>. 
This conflicting information led to the premature closure of my case, despite my compliance with their process and deadlines. 
Evidence Provided During Dispute : Dispute Letters and Supporting Documents Including correspondence with the merchant and Capital One. 
Timeline of Communications Phone calls made to Capital One on XX/XX/year>, and XX/XX/year>, showing efforts to resolve the issue. 
Proof of Misrepresentation Invoice and emails demonstrating the merchants failure to deliver the promised service. 
Request for Resolution : I am requesting that the CFPB reviews my case and asks Capital One to reopen my dispute. Additionally, I ask that Capital One reevaluates the evidence provided and reverses the {$4000.00} charge due to the merchants misrepresentation and failure to deliver the agreed-upon service. 

Attachments : Copies of Capital Ones responses, letters, and evidence submitted during the dispute process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I retained a lawyer due to a possibility of a student case. This lawfirm charged me a {$5000.00} retainer. 
I did not receive any legal services or have any lawsuit. The firm refused to refund my money. I filed a dispute with my credit card company, capital one stating they did not provide the services paid for. I received a temporary credit. This lawfirm disputed this and Capital One requested further documentation. I provided everything and they refused, in violation of both State Bar Law in 5 states but also Consumer Protection Law to refund the money. They sided with the legal firm and then lied and said I did NOT provide them with the documentation. I not only provided everything asked for, but now they are lying and say they didn't receive it. 

They kept, my {$5000.00} and literally stole money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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