vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All three credit bureaus have violated my right under the FCRA Law, Fair credit and billing act in reference to this account XXXX XXXX XXXX Account number XXXX. The 3 bureaus report as this account is in good standing and in collection with same account number. How can I be in good standing and at the same time be in collection. I have requested a full validation of the account and request proof of the right to collect under the fair credit and billing act. Seems like there is a duplication of inaccurate information in my 3 reports. Please remove this account from my 3 credit report in a timely manner. I have attached the proof as described in this complaint.

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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All three credit bureaus have violated my right under the FCRA Law, Fair credit and billing act in reference to this account XXXX XXXX XXXX Account number XXXX. The 3 bureaus report as this account is in good standing and in collection with same account number. How can I be in good standing and at the same time be in collection. I have requested a full validation of the account and request proof of the right to collect under the fair credit and billing act. Seems like there is a duplication of inaccurate information in my 3 reports. Please remove this account from my 3 credit report in a timely manner. I have attached the proof as described in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am getting very frustrated in regards to my dealing with the stated companies. I have stated my truth about alleged accounts that are being furnished on my consumer report and i feel as though these companies have not done their due diligence in investigating the matter and have failed to give me proper documentation on why and how they came to there conclusion. i believe i have my rights as a consumer and i will like for those rights to be respected by the companies who pledge to respect 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 non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: IL

Complaint narrative:
Hello, I have a dispute with Upgrade.com regarding a pre authorization I made for a furniture order with XXXX XXXX. The pre authorized charge was for {$1400.00} on XX/XX/. I canceled that order with XXXX XXXX inXX/XX/XXXXas they were unable to deliver my order in an acceptable period of time. I expected the pending charges on my Upgrade card to disappear once 30 days had expired ( as Upgrade had advised on several previous calls ). After 30 days, and to this date, the pending charge is still on my account. Further, my current balance on my Upgrade.com account is far higher than it should be, which I believe the pending charge is included, meaning i'm being charged for a charge that should not be there. Below is my summation of the activity to resolve this to date. 

The steps I have taken include, reaching out to the retailer ( XXXX XXXX ) onXX/XX/XXXXfor them to contact Upgrade to release the pending charge, per Upgrades request. XXXX informed me that their internal policy does not allow them to contact a bank on my behalf to resolve issues. However, they did provide me a document via E-mail with the information stating the reference # and the representatives information so that I could send it to Upgrade to resolve the issue. I then sent that document to XXXX XXXX over the course of two months but have not received any response nor has Upgrade confirmed receipt. On two separate occasions I've called to check the status of the dispute, the dispute department had no understanding of the issue and informed me I had no pending charges, which is incorrect. When I was transferred back to customer service, they confirmed that there is a pending charge that the disputes department did not have access to. The representative then told me that it DOES appear that the pending charge is applied to my balance and is reflected in my balance and minimum payment requirement. She went on to say that she would transfer me to the business department who would try to assist further but I just ended up on hold for close to an hour with no one checking or telling me that I would be helped. 

I have attempted numerous times to resolve this directly with Upgrade.com via their disputes department and customer service without resolution and usually ending in a dead end call where i wait on hold for 30 minutes to an hour with no one checking to see if I'm still on hold. 

Additionally, on this final attempt to reach out to Upgrade to resolve this issue on XX/XX/ the representative went so far as to ask me for my personal bank account # to confirm my identity, which I refused, but did offer the last 4 digits as well as the last 4 of my SSN #, mailing address, phone number, name and any other info they asked for. The representative spoke to supervisor who allowed her to continue, but I believe it is unacceptable to ask me for my personal bank # number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports without any third party involved. My request for the correction and removal of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them a letter, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Since 2020, I have been contacting Capital One to let them know that they closed my account in error. Every representative that I have spoke to tells me something completely different. I have went through so much pain and agony with all of the thing Cap 1 has tasked me to do just to turn around and deny me credit and the reopening of my consumer credit account. I have repeatedly let them know that whatever was sent to them stating the account was fraud or not mine, wasn't someone I, XXXX XXXX sent them. Capital One states they found that the documents sent by a 3rd party ( not me ) was valid. How can that be when the information never came from me, XXXX XXXX. I did not allow any XXXX party to submit documents on behalf to close my Cap 1 account. 

Capital One has had data breaches where account information was accessed. I feel as if I am not only a victim of the denial of credit with Capital One but I am also a victim of the data breach as well. I, XXXX XXXX, the consumer, am asking for a resolution and the reopening of my original Capital One account. 

Please see info for the Capital One Data breach. I have contacted the CEO several Times. I will now contact the CFO. 

Capital One Bank has announced that the highly sensitive financial and personal information of more than XXXX XXXX banking and credit card customers was accessed and stolen by an outside hacker. The XXXX  XXXX reports that the alleged hacker has already been arrested by the FBI. Capital One Banks failure to protect this data is an unacceptable breach of customer trust, and XXXX XXXX XXXX is working to hold the bank accountable and to seek compensation for those affected. Contact us right away to find out if you are eligible to join a class action against Capital One. 

At this time, we know that the following types of personal and financial information were hacked : Bank account numbers Social Security numbers Credit card applications, including income figures, home addresses, and dates of birth At this time Capital One is denying that credit card numbers and online log-in information were exposed. The FBI says that the hacker intended to distribute the stolen information, and it is currently unknown if they were able to do so before being arrested. 

This is what has happened, and when I am letting Cap 1 know that there was something sent to them in error, they believe it is not possible. If someone can steal and access my Capital One account information than surely someone is able to send paperwork acting on behalf with wrong information. I NEVER sent Capital One any information claiming the account as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank 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 explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, 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:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries/inquiries on my XXXX, XXXX, and Equifax credit report. I recently retrieved my credit report and it showed numerius credit inquiries that I have no knowledge of ever authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries/inquiries on my XXXX, Experian, and XXXX credit report. I recently retrieved my credit report and it showed numerius credit inquiries that I have no knowledge of ever authorizing.

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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am getting very frustrated in regards to my dealing with the stated companies. I have stated my truth about alleged accounts that are being furnished on my consumer report and i feel as though these companies have not done their due diligence in investigating the matter and have failed to give me proper documentation on why and how they came to there conclusion. i believe i have my rights as a consumer and i will like for those rights to be respected by the companies who pledge to respect 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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am getting very frustrated in regards to my dealing with the stated companies. I have stated my truth about alleged accounts that are being furnished on my consumer report and i feel as though these companies have not done their due diligence in investigating the matter and have failed to give me proper documentation on why and how they came to there conclusion. i believe i have my rights as a consumer and i will like for those rights to be respected by the companies who pledge to respect them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX, and still nothing from them. Negative accounts are still reporting on my account, which means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} Collection : XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
american express will not fix my problem without me getting on the phone, which i can NOT do because i am XXXX. 

Please Call I CAN NOT CALL ON THE PHONE, I AM XXXX The concern on your account can not be resolved online. Please call XXXX at your earliest convenience. 
something is wrong an i am XXXX i can NOT call on the phone!!! 

FIX WHATEVER IS WRONG AND LET ME GO XXXX!! SEND ME AN EMAIL AT XXXX XXXX YOURSELF I AM XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
debt collections are unknown and invalidated, bureaus in question are constantly reporting inquires and accounts that doesnt belong to me by any means. ive sent in letters to have this inaccurate data removed from my consumer report under the fcra and the fdcpa.my consumer laws have been breached and violated by XXXX, transunion, XXXX pursutant 15 usc 1692, and 15 usc 1681

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 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC
State: KY

Complaint narrative:
Received call from person who simply stated their name was ( ******* ) and asked if they were speaking with XXXX XXXX. 

I told them yes, who are you calling from? 

She then immediately read my physical home address to me in what amounted to an attempt to threaten me in a passive aggressive manner ( we know where you live, etc. ) It was only THEN she announced she was a debt collector and the line was being recorded, etc. 

I then informed her the debt was invalid as it was not something I was familiar with and told them not to call back. I have since blocked the number. 

I believe the order in which the call played out was illegal based on consumer debt laws, as well as the passive aggressiveness of presenting my physical address right off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 experian was sent a notice requesting validation of a debt they are fraudulently reporting The account in question is XXXX Account number XXXX {$2300.00}. 

Experian was given 30 days to provide concrete evidence and all documentation proving the validation of this debt. 

Experian did not provide evidence or any documentation that was requested and is in violation of the FCRA and FDCPA when you can not furnish the validity of the remark.

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