vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was sent a Walmart Capital One card XX/XX/XXXX. I had not had XXXX in years & did not apply for a new one. I called in and spoke to a gentlemen with Walmart Capital One & he told me I had an interest free promotion that was active & did not expire. I received my bill and just noticed I do have interest charges on it. I called today, XX/XX/XXXX & they told me there is interest. I asked for a supervisor to review the call that was recorded where he told me I would not be charged interest for using the card. All she said was she was sorry I was misinformed. I would of never used the card If I knew there was interest. Can you please assist me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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:
Kindly eliminate this erroneous entry from my credit report. I did not authorize or acknowledge this account. The supporting documents validating my claim are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: MO

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

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 2024-10-14 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: MO

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

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 2024-10-14 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: TX

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 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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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 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 2024-10-14 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: IN

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They have BEEN RETAILITORY TO MY WRITTEN REQUEST FOR HONEST SERVICES after being harmed by XXXX XXXX XXXX pattern of making fraudulent claims against a XXXX XXXX XXXX. Their records show they collected monies through U.S. mail and agreed to the terms but then committed honest service fraud, 18 U.S. Code 1346 in XX/XX/XXXX when they sent emails claiming they reject their own agreement. They have benefited in the inaccuracy of their reporting against a victim of trafficking, 22 U.S. 7102 ( 11 & 12 ). They intentionally lied to the CFPB in further attempt to collect wrong amount and harm me with false reports to the credit bureau since XX/XX/XXXX and been on this scheme ever since. They violated FDCPA back in XXXX XXXX and I am requesting 15 U.S.C. 1692g and they cease immediately. They failed to correct the account in a timely matter back in XX/XX/XXXX after the first filing about the missing allocations and their false claims on the account. They further harmed me making false derogatory claims to my credit account on and around XXXX XXXX and the commands of federal law.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They have BEEN RETAILITORY TO MY WRITTEN REQUEST FOR HONEST SERVICES after being harmed by XXXX XXXX XXXX pattern of making fraudulent claims against a victim of trafficking. Their records show they collected monies through U.S. mail and agreed to the terms but then committed honest service fraud, 18 U.S. Code 1346 in XX/XX/XXXX when they sent emails claiming they reject their own agreement. They have benefited in the inaccuracy of their reporting against a victim of trafficking, 22 U.S. 7102 ( 11 & 12 ). They intentionally lied to the CFPB in further attempt to collect wrong amount and harm me with false reports to the credit bureau since XX/XX/XXXX and been on this scheme ever since. They violated FDCPA back in XXXX XXXX and I am requesting 15 U.S.C. 1692g and they cease immediately. They failed to correct the account in a timely matter back in XX/XX/XXXX after the first filing about the missing allocations and their false claims on the account. They further harmed me making false derogatory claims to my credit account on and around XXXX XXXX and the commands of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
They have BEEN RETAILITORY TO MY WRITTEN REQUEST FOR HONEST SERVICES after being harmed by XXXX XXXX XXXX  pattern of making fraudulent claims against a XXXX XXXX XXXX. Their records show they collected monies through U.S. mail and agreed to the terms but then committed honest service fraud, 18 U.S. Code 1346 in XX/XX/XXXX when they sent emails claiming they reject their own agreement. They have benefited in the inaccuracy of their reporting against a victim of trafficking, 22 U.S. 7102 ( 11 & 12 ). They intentionally lied to the CFPB in further attempt to collect wrong amount and harm me with false reports to the credit bureau since XX/XX/XXXX and been on this scheme ever since. They violated FDCPA back in XXXX XXXX and I am requesting 15 U.S.C. 1692g and they cease immediately. They failed to correct the account in a timely matter back in XX/XX/XXXX after the first filing about the missing allocations and their false claims on the account. They further harmed me making false derogatory claims to my credit account on and around XXXX XXXX and the commands of federal law.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2024-10-14 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: LEXISNEXIS
State: OK

Complaint narrative:
I have tried to reach out to Lexis Nexus about the federal violations according to rule 9037 privacy federal law violation and also 605B FRCA these violations are hurting my credit they Refuse to abide by federal law I have include evidence from the court, and I have dispute with the XXXX XXXX XXXX and FTC. This violation must be fixed and hold accountable for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I Signed up for a credit monitoring service ( XXXX ) and noticed accounts reporting to my credit that didn't belong to me. I thought maybe it was just an error with XXXX credit bureau but once I checked both XXXX and XXXX the same accounts were reporting with different amounts and dates. These accounts are also reporting through a third party collection agency. 
The collection agencies are listed below : XXXXXXXX XXXX XXXX {$6600.00} Opened XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX {$1100.00} Opened XXXX XXXX, XXXX Fraudulent accounts are : XXXX XXXX opened XXXX XXXX, XXXX balance {$1900.00} Citibank Opened XXXX XXXX XXXX XXXX balance {$1100.00}

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 2024-10-14 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: NY

Complaint narrative:
XXXX XXXX was added to my report and I do not know who or what this is. Can you please remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: TN

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2024-10-14 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: TN

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank dispute favors merchant despite them not delivering the service that consumer paid for. XXXX & XXXX. Citibank exec provided canned response to close XXXX case. 

On XX/XX/XXXX, I made a payment of approximately {$12000.00} to XXXX XXXX XXXX XXXX XXXX XXXX for a bathroom renovation project, which included replacing tiles and removing and installing a new vanity. Additionally, I spent {$4000.00} on tiles separately for the project. The contractor requested full payment upfront, which I provided. However, they failed to deliver the agreed-upon services and caused substantial damage to the bathroom wall, requiring me to hire another company for remediation, which resulted in additional costs. 

The first time I disputed this charge with Citi Bank, they closed the ticket and claimed it was my responsibility. After I contacted them again, they said they would reopen the case if I provided the start and end dates of the service, which I did. When I later filed a complaint with the CFPB, Citi Bank responded with a canned request for more information. After a month-long investigation, they closed the case again in favor of the merchant. 

XXXX XXXX XXXX XXXX XXXX XXXX has received payment for a service they have not delivered. They didnt complete the job, leaving me with a financial loss of approximately {$12000.00} for the original payment, {$4000.00} for the tiles, plus additional expenses to repair the damage they caused. Despite being a loyal Citibank customer for over 9 years, I will be closing all my accounts with them if this issue can not be resolved and the bank sides with the merchant for charging me for services they have not delivered.

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 2024-10-14 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: EQUIFAX, INC.
State: GA

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 2024-10-14 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: GA

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 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 2024-10-14 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:
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 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 2024-10-14 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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