vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Yes I have sent in letters certified with inaccuracies on my report. These letters have been signed by the credit bureau confirming they have received them. I have disputed these account numerous time and nothing has been fixed or changed but they claim it has. There has been numerous violation with no action being taken. I demand these accounts be removed. I have a court date set in place to sue for these violations.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-04-15 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There was a credit card opened without my knowledge and I disputed this with capital one and the decline my dispute. I also asked capital one to show me where i signed for this card and i have not been given a response. I dispute it with XXXX and they also did nothing to help. This is dated XX/XX/2024 to present and as it stands they have closed the card down and charged it off and charging me the balance that i did not have any knowledge of. I also have a File number which i will include from XXXX XXXX to help with your process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2024 XXXX credit was denied for reasons that arent supported by factual evidence. XXXX XXXX XXXX XXXX is a company Ive never dealt with or has/had ever heard of until today in which without my permission is furnishing unauthorized data which isnt accurate. In result of their improper furnishings Ive been denied access to credit that Im entitled to, in addition the furnished information isnt valid, causing me a XXXX XXXX  for their improper furnishing

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 2024-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MA

Complaint narrative:
A fraudulent collection charge was added to my credit report XX/XX/year> from JEFFERSON CAPITAL SYSTEMS. The collection was for a XXXX charge of {$2300.00}. I have never had a XXXX acct or received a bill from XXXX. I assume this is the result of identify theft. A few years ago this collection report appeared on my credit report and was confirmed to be fraud and was removed after disputing thru credit reporting agencies. Now it has reappeared and is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I WANT WRITTING TO DELETE THE INFORMATION FROM MY FILE. THE ITEMS I DELETED ARE LISTED IN THE REPORT I AM A BIG TEAM OF IDENTITY THEFT AND I DID NOT MAKE THE CHARGE. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRAY, COMMISSION IDENTITY, THEFT, AFFIDAVIT. PLEASE DELETE THIS ITEMS ASSOON AS POSSIBLE.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I WANT WRITTING TO DELETE THE INFORMATION FROM MY FILE. THE ITEMS I DELETED ARE LISTED IN THE REPORT I AM A BIG TEAM OF IDENTITY THEFT AND I DID NOT MAKE THE CHARGE. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRAY, COMMISSION IDENTITY, THEFT, AFFIDAVIT. PLEASE DELETE THIS ITEMS ASSOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I WANT WRITTING TO DELETE THE INFORMATION FROM MY FILE. THE ITEMS I DELETED ARE LISTED IN THE REPORT I AM A BIG TEAM OF IDENTITY THEFT AND I DID NOT MAKE THE CHARGE. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRAY, COMMISSION IDENTITY, THEFT, AFFIDAVIT. PLEASE DELETE THIS ITEMS ASSOON AS POSSIBLE.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: NE

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I submitted a claim in early XXXX regarding some Concert tickets. However, these concert tickets were not the ones that we had bought. I ended up calling to see if I could dispute it, and the agent on the phone informed me that I would be able to and that I would be getting credit while you guys were making the " investigation ''. I provided pictures, and even asked if you guys needed more information, and the employee said they didn't. A few weeks later passed and I was informed that you guys closed the claim on behalf of the merchant, however when I called the agent said that the dispute was under another name, which IS NOT what I filed it under. They didn't call to inform me of anything that was going on, and I informed them that I wasn't able to get in contact with either the merchant or the concert organizer. I'm currently seeking for them to approve of the claim, because in the end I didn't end up with anything that I paid for and there is no way for myself to be recompensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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:
FCRA 605B mandates the elimination of incorrect accounts from my credit report. Could you verify the documents, as some of the listed accounts contain inaccuracies in their reporting? Swift removal of these accounts is necessary.

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 2024-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
XXXX offered me a lower cell phone account, along with internet. I told them I wasn't sure my son would switch the internet and would they send me a return label. They said " yes. '' A month or so after I got the box for internet, I found the XXXX card and I couldn't do it myself. They wanted me to come into the store and I told them never mind. I asked for a label to return the internet box and they couldn't find my account and told me no. I said I would take it to the store and they said no, I would still have to pay for the box. So, here I sit with this on my credit report and I never used either the XXXX  card or the internet at all. Please help me with this dispute. XXXX will not accept this dispute as a good reason to take this off my credit report, but XXXX did. Of course they did- it is not a valid charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: Self Financial Inc.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: VA

Complaint narrative:
I am disputing some items that need to be deleted. I have highlighted the disputed item on the attached copy. The reasons why these items should be deleted are indicated below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for deletion : Reporting late payment. However, the account has never been late. Investigate and remove ALL late payment history. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days.

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 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I checked my credit report on Transunion, XXXX, and XXXX and found an inaccurate account XXXX XXXX XXXX on my credit profile. I requested for it to be removed due to inaccuracies. I also asked for an updated credit report and neither of those things took place so I am now asking again pointing out these very well inaccuracies with this Charge off account that is reporting on my credit profile that is now causing me not being able to purchase a house. I will attach a letter that will show the inaccuracies to this account.

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 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.

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 2024-04-15 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: NY

Complaint narrative:
I am writing to bring to your attention several legal statutes and regulations relevant to my accounts with Capital One. As a responsible consumer and account holder, it is imperative that I ensure compliance with applicable laws and regulations governing financial transactions and consumer protection. 

Firstly, I wish to address the provisions outlined in 15 USC 6506, which pertains to consumer privacy and the safeguarding of personal information. I would like to exercise my rights under 15 USC 6802 to opt out of certain information sharing practices, as provided by law.

Furthermore, I seek clarification regarding the Electronic Fund Transfer Act, as codified in 15 USC 1693, to ensure that all electronic transactions associated with my accounts are conducted in accordance with federal law.

Additionally, I have concerns regarding purchase money advances and potential violations of 15 USC 1666, which governs fair credit billing practices. Any discrepancies in this regard must be promptly addressed and rectified.

Moreover, I have reason to believe that there may have been instances of securities fraud, as prohibited by 16 CFR 328.6, associated with my accounts referenced under account numbers # XXXX and # XXXX. I urge Capital One to conduct a thorough investigation into these matters and take appropriate action to safeguard my interests. 

Furthermore, I request a comprehensive review of my CreditWise report, identified by ID XXXX, in accordance with the provisions of 12 USC 1411 and 15 USC 1611, to ensure accuracy and compliance with federal credit reporting laws. 

I trust that Capital One will take prompt and effective measures to address these concerns and provide me with a satisfactory resolution. Please acknowledge receipt of this letter and provide a timeline for resolving the issues raised herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: GA

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-15 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: NY

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation.I would like this item immediately re-investigated.The inaccuracies are highly injurious to my credit score ACCOUNT NAME Account name XXXX Account number XXXX 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.Please send me an updated copy of my credit report after your reinvestigation. 

Account name XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I called chase bank month ago. I received confirmation that the inquiries belong to a social that was one number off from being the same. I also filed a identity theft report for these inquirys. I was told the inquiry would be removed but it never happened

Company response to consumer: Closed with non-monetary relief