vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: MI

Complaint narrative:
CREDIT REPORT THAT I DID NOT AUTHORIZE XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX ON XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
In accordance with this fair credit report act, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 states I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2. It also states that consumer reporting agency can not furnace an account without my written instructions. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am a long-standing customer of Capital One, holding both a credit card and a checking account. I recently applied for a third credit card with the company and was approved with a credit limit of {$500.00}. I believe that this credit limit is not reflective of my good standing with Capital One, nor does it account for the consistent direct deposits that are regularly made into my Capital One checking account.

Complaint Details : I have been a Capital One credit card holder for an extended period, and I have also maintained a checking account with Capital One for quite some time.

I have a history of responsible use of my Capital One credit cards, including timely payments and good credit utilization.

Additionally, my Capital One checking account regularly receives direct deposits, demonstrating my stable financial situation.

Despite this, I was granted a {$500.00} credit limit on my most recent credit card application. Given my history of good standing with Capital One, the credit limit seems disproportionate and does not reflect my financial behavior with the company.

I feel that this action by Capital One may constitute a deceptive practice, as it does not align with my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: AL

Complaint narrative:
I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I filed bankruptcy. XXXX Discharged my loan and reported it incorrectly. 

My mortgage shows up on my credit report as paid off and it is not I have tried to fix that. 

also Best buy shows they pulled a credit report around a time they did not.

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 2025-01-09 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX ex XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

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 2025-01-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> To Whom It May Concern : Re : Demand to Remove Incorrect and Obsolete Address Information Under the Fair Credit Reporting Act ( FCRA ) Social Security Number : XXXX I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to formally request the removal of obsolete and incorrect address information from my credit file. According to the FCRA, consumer reporting agencies are required to maintain accurate and up-to-date information and to investigate and correct inaccuracies within a reasonable timeframe. 

The following address ( es ) are no longer valid or associated with my ability to receive mail and must be removed from my credit report : 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 The following names are incorrect or obsolete and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers are incorrect or obsolete and must be removed : XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation upon receiving a dispute regarding the accuracy or completeness of any item in a consumers file. Additionally, 15 U.S.C. 1681e ( b ) mandates that you adopt reasonable procedures to ensure the maximum possible accuracy of the information reported. 

I am providing the following documents to verify my identity and current address : 1. A copy of a government-issued ID. 
2. A recent utility bill showing my current address. 

I request that you update my file to reflect only my current address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Please complete this correction within XXXX XXXXXXXX, as required by the FCRA, and provide me with written confirmation that the outdated address ( es ) have been removed from my credit report. If you fail to address this matter appropriately, I may be compelled to escalate this issue by taking other legal action. 

Should you require any additional information to process this request, please contact me at XXXX or via email at XXXX. Thank you for your immediate attention to this matter. I look forward to your confirmation that these inaccuracies have been corrected. 

Sincerely, 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 2025-01-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> To Whom It May Concern : Re : Demand to Remove Incorrect and Obsolete Address Information Under the Fair Credit Reporting Act ( FCRA ) Social Security Number : XXXX I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to formally request the removal of obsolete and incorrect address information from my credit file. According to the FCRA, consumer reporting agencies are required to maintain accurate and up-to-date information and to investigate and correct inaccuracies within a reasonable timeframe. 

The following address ( es ) are no longer valid or associated with my ability to receive mail and must be removed from my credit report : 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 The following names are incorrect or obsolete and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers are incorrect or obsolete and must be removed : XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation upon receiving a dispute regarding the accuracy or completeness of any item in a consumers file. Additionally, 15 U.S.C. 1681e ( b ) mandates that you adopt reasonable procedures to ensure the maximum possible accuracy of the information reported. 

I am providing the following documents to verify my identity and current address : 1. A copy of a government-issued ID. 
2. A recent utility bill showing my current address. 

I request that you update my file to reflect only my current address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Please complete this correction within 30 days, as required by the FCRA, and provide me with written confirmation that the outdated address ( es ) have been removed from my credit report. If you fail to address this matter appropriately, I may be compelled to escalate this issue by taking other legal action. 

Should you require any additional information to process this request, please contact me at XXXX or via email at XXXX. Thank you for your immediate attention to this matter. I look forward to your confirmation that these inaccuracies have been corrected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} Charged off XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$5400.00} Charged off XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Late/Open XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Late/Open Inquiry : XXXXXXXX XXXX XXXXXX/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 2025-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC
State: MI

Complaint narrative:
The Harvard Collection Services LLC flagged my XXXX account. I don't understand why this was sent to Collections. I made several attempts to obtain information on this debt. I called several times after speaking to an individual by the name of XXXX, she was very rude. After that attempted to call several more times but never got through to anyone I also sent via United States Postal Service 2 letters in which I did make screenshots of the letters as well as screenshots of me placing it in the mailbox of outgoing mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to express my concerns about what I believe are unfair practices by Bank of America, and I would like the FTC to investigate this matter. 
Since XX/XX/year>, I have been unable to access my mobile and online credit card billing account with the bank. When I reached out to customer service, I was told there were problems with the website. Soon after, I got a bill but couldn't access the charges. After two months of this issue and a missed payment, I contacted the XXXX XXXX XXXX, complaint # XXXX. A bank representative named XXXX XXXX, who is an Assistant Vice President and Resolution Specialist, asked me to reach out to him. However, his contact information was incorrect, and he never replied to my email. I then filed another complaint and was contacted by XXXX XXXX, who was not helpful at all. He wouldnt let me access my billing details and told me he would mark my late payments with the credit bureau, which he did. My credit score has now been affected, and I still can not access my digital account. My last attempt was in XXXX, and I keep getting an error message, which I have attached. 
I ask the FTC to investigate Bank of America 's actions to see if they are breaking consumer protection laws. I also hope you will take steps to ensure they are held accountable so that other consumers do not face similar problems. 
Thank you for your attention to this issue. I believe the FTC will take the right actions to protect consumers like me. If you need more details or documents, I am happy to provide them.

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 2025-01-09 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$33.00}, XXXX written off. {$21.00}, XXXX past due as of XX/XX/XXXX. 
According to the CARES Act, accounts in forbearance or deferment should not be reported as delinquent or charged off if they were current prior to the forbearance period. However, I noticed that my account has been reported as Charged off as a Loss [ late, delinquent, etc. ] during the forbearance period, which is inconsistent with the protections provided under the CARES Act. The amount stated owed has already been written off as a Loss from the original creditor and no longer holds this debt. 

I kindly request that you correct the reporting of this account to reflect the proper status during the forbearance period and update my credit report accordingly. This correction should reflect that my account was in good standing and no negative reporting should have occurred during the deferral or forbearance period and be removed from my report as no balance due.

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 2025-01-09 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: AL

Complaint narrative:
My information was exposed in a data breach and Ive been reported as a XXXX XXXX victim for the past XXXX  years

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 2025-01-09 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be a misunderstanding about their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their return, nor have I received any communication about this by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-01-09 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: MD

Complaint narrative:
I did not give XXXX Bank my consent to inquire about my credit. This is a result of fraud and not of my own will.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I submitted rent payment with the incorrect bank account. This bank account closed XX/XX/XXXX however, I still received {$100.00} NSF fee for both transactions. Since this account is closed, I shouldnt have received these fees. I would like these fees reversed.

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 2025-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I'm requesting to remove all my medical debuts from my credit reports under the new reguration by CFPB, this collection has no contract or with no accuracy on this medical bill demand to remove from my credit reports.

Please assist me to contact bureaus and resolve the problem.

Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation