vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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: SC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN****** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called Capital One Auto Finance Company on XXXX XXXX XXXX  and requested a payment due date to be changed to the XXXX of every month the representative told me he would put in the request and the change would be made after my payment for the month of XXXX cleared he assured me while I waited on the line that he was changing the due date and he came back on the line and stated it was processed On XX/XX/XXXX I checked my account online it stated that I was 30 days past due for the auto loan I immediately called Capital one and asked how it was 30 days late the lady advised me that she didn't see a request for a change and there was nothing she could do but help me put in another request I then asked to speak to a manager but to no avail nobody could help me with the issue they just kept on saying to dispute this 30 day late with all 3 major credit bureaus but nobody wanted to correct the error that Capital one made all conversations are recorded if they could please investigate my previous calls so they would see that the customer service rep didn't honor or input my request that was made the previous month it was like I was talking to a brick wall and I couldn't barely even understand them as it was I think they were of XXXX decent however I finally spoke with someone else who put in another due date change but that still doesn't fix the issue of me having a 30 day late because some one at Capital one didn't do there job I don't think this is professional are fair just to be blown off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: SC

Complaint narrative:
I am a victim oXXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I am writting formally complaining about the denial of my credit information submitted Santander consumer XX/XX/year> I believe this denial violates my rights as a consumer under equal credit opportunity Act ( ECOA ) and potentially falls under unfair and Deceptive Acts or practices ( UDAP ) Laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: DC

Complaint narrative:
On XXXX XXXX XXXX, I deposited {$2000.00} into my Kraken account. The funds were successfully credited to my account. However, when I attempted to purchase a cryptocurrency, I encountered a " Transaction Error. '' I contacted Kraken Support immediately and followed all the instructions provided, including steps shared via email and other communication channels. Despite completing everything as requested, my account was deactivated, and I have been unable to access my funds or make any transactions since then.

The last communication I received from Kraken was on XX/XX/scrub>XXXX XXXX XXXX but no resolution was provided. It has now been 12 days, and my account remains deactivated. This has severely impacted my ability to manage my investments, including realizing significant profits I made on an XXXX XXXX ( over 100 % gain ). 

My portfolio value is currently {$7000.00}, and I am unable to access or utilize these funds due to the deactivation of my account. I believe this situation is unjust and unfair, and I am seeking assistance to have my account reactivated immediately so I can resume trading and manage my investments effectively.

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 2024-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion has currently violated 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information Account past due amount invalid, already paid and reporting well over amount in attempt to hurt credit. Transunion report has been modified with invalid data to punish and cohere consumer 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681 Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate When asked to validate Agreement that grants the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number.

Address on file for alleged debtor.

Amount of alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I am also requesting The means of which this information was VERIFIED and VALIDATED NO INFORMATION OF WAS RETURNED Not only is Transunion violating consumer rights they are also failing to investigate issues which has been a persistent issue.attached you will see a paper that does not validate debt properly or provide any information above consumer signing for debt

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 2024-11-24 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: GA

Complaint narrative:
Subject : Unauthorized Credit Inquiries Dispute Transunion Relations I am writing to formally dispute several unauthorized inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( FCRA ), Section 604, inquiries should only appear on my credit report if I have authorized them or initiated a credit application. These inquiries were not authorized by me, and I am requesting their immediate removal. 

Below is a list of the unauthorized inquiries : - DEPT OF ED Date of Inquiry : XX/XX/XXXX - XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX - XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX - XXXX XXXX Date of Inquiry : XX/XX/XXXX - XXXX Date of Inquiry : XX/XX/XXXX - XXXX XXXX Date of Inquiry : XX/XX/XXXX - XXXX XXXX XXXX of XXXX : XX/XX/XXXX Under the FCRA, you are required to investigate disputed items on my credit report and remove any unauthorized or inaccurate inquiries. Additionally, Section 611 of the FCRA mandates that consumer reporting agencies investigate and correct any errors promptly. 

These inquiries negatively impact my credit score and were made without my consent. Please investigate this matter and remove these inquiries from my credit report immediately. I have included a copy of my government-issued identification.

I expect a response within the 30-day timeframe as outlined by federal law. Please confirm in writing once these inquiries have been removed or if further action is required on my part. 

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2024-11-24 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: CA

Complaint narrative:
I do not recognized and authorized these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only have one name, one address, and one phone number.

Please remove these inquires and keep one name, one address, an one number. The credit bureaus did not do what I asked.

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 2024-11-24 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: CA

Complaint narrative:
I recently received 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 non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint pertains to Equifaxs role in the XXXX data breach, which exposed my sensitive personal information, including Social Security numbers and other identifiers. I recently confirmed through the Equifax Data Breach Settlement website that my information was compromised ( Engagement Number : XXXX ). 

The breach has directly contributed to identity theft, fraudulent accounts, and unauthorized inquiries on my credit report. Equifax has failed to take appropriate actions to address these issues despite my repeated efforts to resolve them, including submission of supporting documentation such as an FTC Identity Theft Report and police report. 

Key Issues and Non-Compliance 1. Failure to Protect Consumer Information Equifaxs negligence in safeguarding my personal information resulted in my data being exposed to unauthorized parties during the XXXX data breach. 
This failure to protect consumer data has caused : Fraudulent accounts being opened in my name. 
Unauthorized inquiries negatively affecting my credit score. 
Ongoing financial harm and emotional distress as I attempt to address these issues. 
2. Failure to Address Fraudulent Activity Despite Equifaxs knowledge of the breach and my identity theft claims, they have failed to : Adequately investigate and resolve disputes for fraudulent accounts such as Absolute Resolutions I ( {$1100.00} ) and XXXX XXXX ( {$3600.00} ). 
Remove unauthorized inquiries, including XXXX XXXX XXXX  ) and XXXX ( XX/XX/XXXX ), from my credit report. 
Block fraudulent information as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Failure to Mitigate Harm from the Breach Equifax has not provided sufficient support to help mitigate the harm caused by the breach, even after confirming my eligibility for identity restoration services. 
Their failure to proactively address inaccuracies stemming from the breach has further damaged my credit profile and my ability to secure funding for my business. 
Impact of Equifaxs Failures The consequences of Equifaxs failures include : Financial Harm : Denial of personal and business funding opportunities due to a damaged credit profile. 
Increased interest rates and financial strain caused by inaccurate credit reporting. 
Emotional Distress : Ongoing frustration anXXXX XXXX from repeated identity theft-related disputes and Equifaxs inaction. 
Reputational Damage : The inaccuracies on my credit report have affected my credibility as a consumer and business owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  I am unable to get a loan from webpage to fund account from 100 % available credit file for finances.

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 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MS

Complaint narrative:
TO JEFFERSON CAPITAL YOU ARE REPORTING A COLLECTION ACCOUNT ON MY CONSUMER REPORT THAT HAS NOT BEEN VERIFIED OR VALIDATED. THIS IS A VIOLATION OF THE FCRA AND THE FDCPA. THIS ALLEGED ACCOUNT IS INACCURATE, UNVERIFIED AND MUST BE DELETED IMMEDIATELY FROM MY CONSUMER REPORT. IF YOU DO NOT REMOVE THIS ACCOUNT IN THE TIMEFRAME OF 7 DAYS, I WILL START THE PROCESS OF SEEKING FOR DAMAGES UNDER THE FCRA AND FDCPA FOR UP TO {$1000.00} PER VIOLATION AND FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY DAMAGES AS WELL AGAINST JEFFERSON CAPITAL BECAUSE THEY ARE THE ] COMPANY REPORTING THE ACCOUNT ON MY CONSUMER REPORT. YOU ARE BEING HELD LIABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: MI

Complaint narrative:
XXXX XXXX BANK XXXX {$500.00} XXXX JPMCB CARD SERVICES {$1000.00} XXXX GMFINANCIAL {$5100.00} XXXX XXXX XXXX XXXX CAPITAL XXXX XXXX ALLY FINANCI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Bankruptcy Reporting Under 15 U.S.C. 1681i To Whom I

t May Concern, I am writing to formally dispute the bankruptcy listed on my credit report with your agency. The information is inaccurate and/or unverifiable, as outlined under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

The bankruptcy I am disputing appears as follows : Bankruptcy Case XXXX Filing Date : XXXX XXXX, 2019 Court Name : XXXX XXXXXXXX XXXX XXXX XXXX After reviewing my records and verifying with the appropriate sources, I believe this information is either inaccurate or can not be verified. I am requesting that you conduct a thorough investigation of this item as required by law. Specifically : Confirm whether the bankruptcy court reported this information directly to your agency. 
Validate the accuracy and completeness of all associated details. 

Provide a detailed explanation of your findings or promptly delete this item if it can not be verified. 

Under 15 U.S.C. 1681i, you are required to complete this investigation Immediately of receipt of this letter. Please provide written confirmation of your investigation results and any changes made to my credit report upon completion. 

I have attached copies of relevant documents to assist your investigation ( e.g., my ID, court documents, credit report showing the disputed item ). 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: NJ

Complaint narrative:
XXXX XXXX Date : XX/XX/XXXX Confirmation # XXXX Dispute Results At-a-Glance The results of the dispute you filed on XX/XX/XXXX with Equifax are complete. At-a-glance, here is the status of the item ( s ) included in your dispute : q Inquiry : XXXX XXXX XXXX See Dispute Results-Details How should I read my dispute results? 
l Deleted means, we have removed the item from your credit report. 
l Updated means, we have updated XXXX or more fields on the item based on the information you provided us with or that we received from the reporting company. 
l Verified as Reported means, the reporting company has certified it is reporting the item accurately. 
For an added convenience, use XXXX of the below options to start a new dispute or check the status of a dispute in-process. 
Visit us at equifax.com/personal/disputes or Call us toll-free at XXXX ( XXXX XXXX ). 
Dispute Results - Details Inquiries This section includes requests to view your credit report. There are XXXX types of inquiries - those that impact your credit rating and those that do not. Inquiries that do not impact your credit rating/score are those from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit report. 
We reviewed the Inquiry : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Type : Hard / Credit Score Impact XXXX XXXX Date : XX/XX/XXXX Confirmation # XXXX Dispute Results At-a-Glance The results of the dispute you filed on XX/XX/XXXX with Equifax are complete. At-a-glance, here is the status of the item ( s ) included in your dispute : q Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX XXXX.eviewed the Inquiry : XXXX XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Type : Hard / Credit Score Impact The reason you disputed this item : I didn't give this company authorization to access my credit report for this reason. 
The results are : Inquiries are a factual record that the credit report was accessed. They remain on the Equifax credit report for up to XXXX ( XXXX ) years from the date of the inquiry. 
Here are a few things to know about the credit report dispute process If we were able to make changes to your credit report based on the information you provided, we have done so. Otherwise, w

Company response to consumer: Closed with explanation