vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( XXXX ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 
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 XXXXXXXX XXXX XXXX XXXX XXXX  REINVESTIGATION IN PROGRESS ; AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section XXXX of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX Enclosures : Identity Theft Report FCRA Section XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( XXXX ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 
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 {$6200.00} XXXX - {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- REINVESTIGATION IN PROGRESS ; AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section XXXX of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX Enclosures : Identity Theft Report FCRA Section XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: CA

Complaint narrative:
I am victim of identity theft. I have contacted multiple bureas in regards to blocking my report to be pulled by companies without my approval. 
XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$3200.00} Have all been illegally attached to me. I am constantly harassed daily from companies about debt and accounts that I never legally authorized.

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 2024-02-26 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
My husband & I went on a cruise from XX/XX/XXXX- XX/XX/2023 with XXXX XXXX XXXX XXXX and prior to boarding we gave them a credit card with a {$3000.00} limit and was also given a substantial amount of onboard credit and casino promotions. 
When we got home we opened their app ( we could not while on the ship because we had no internet service ) and we were charged {$17000.00} on a {$3000.00} limit card. We do not and still not believe we spent this kind of money. We tried requesting a copy of statement with date and time charges but to this day have never received anything from XXXX XXXX XXXX XXXX XXXX who runs the casinos onboard ). Not a call, email, statement with date and time. 
Tried filing a dispute with the credit company and told them exactly what happened and at first sounded like if XXXX XXXX did not reply it was in our favor. Spoke to them at least 70 times and after all these times they stated we could not file a dispute because of the kind of charges they were. We were very honest and up front to what this charges were at first and they were fine with it! You would also think after talking to 70 people, no exaggeration one would know you could not dispute these charges. I have talked to many account managers from Barclay and they all come up with something different. Even some have told me not to pay, this should have never happened and they have never seen it happen where a credit card has gone so far over the limit. Dont believe XXXX XXXX has ever discussed this with Barclay they credit card company. What is odd though Barclay is also the bank for Carnival XXXX XXXX and XXXX XXXX XXXX XXXX credit cards?? So who we were trying to file a dispute with is Barclay 's customer also but a bigger one. Barclay is trying to blame XXXX XXXX for all these charges but I believe the credit card company is the one who denies it when you go over your credit limit.

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 2024-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
Subject : Dispute of Collection Account and Violation of Consumer Rights XXXX XXXX, I am writing to formally dispute the collection account that has been placed on my consumer report by the Collection Agency. I believe that the Collection Agency has violated several laws and regulations, as outlined below : 1. Collection Agency has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) before placing the collection on my consumer report.

2. I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ).

3. The Collection Agency is using false, misleading, and deceptive means, which violates my consumer rights.

4. The Collection Agency has no authority to furni
sh any account to consumer reporting agencies without providing all required disclosures, as stated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

In this dispute letter, I want to make it clear that I am disputing owing any debts to the Collection Agency. Furthermore, I am revoking all rights for the Collection Agency to communicate with me through email, text, or calls.

I am requesting the following information from the Collection Agency : 1. Debt validation for the alleged debt.

2. The purchase agreement between the Collection Agency and the original creditor.

3. Proof of the Collection Agencys licensing and bonding.

I expect a prompt response from the Collection Agency regarding this dispute and the requested information. Failure to comply with the relevant laws and regulations will result in further action to protect my consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: MS

Complaint narrative:
XX/XX/year> File a divorce in the decree wife was to make payments in a timely manner. Account has been late and a XXXX XXXX was filed without my consent or knowledge. Due to her filing bankruptcy and because I am a cosigner on the vehicle, they have placed her bankruptcy as well on my credit report hindering me from obtaining homeownership. I am requesting for this bankruptcy account to be removed as soon as possible. 

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 non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
First request for rewards was on XX/XX/2024. I have been receiving emails that my request was not processed, this has happen on every request that I have sent 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX XXXX - XXXX Last 4 digit of SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: WA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXXXXXX

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: IL

Complaint narrative:
I believe FCRA XXXX means they should remove incorrect accounts from credit reports. Can you please check the documents? Some accounts on my report are wrong, and it's making me upset and sick.

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 2024-02-26 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: IL

Complaint narrative:
I believe FCRA XXXX means they should remove incorrect accounts from credit reports. Can you please check the documents? Some accounts on my report are wrong, and it's making me upset and sick.

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 2024-02-26 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: NY

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX/ XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX/ XXXX XXXX ) # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.

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 2024-02-26 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: NY

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX/ XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX/ XXXX XXXX ) # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.

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 2024-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Fuel Capital Group
State: FL

Complaint narrative:
On Wednesday XX/XX/XXXX @ XXXX est, I called into Strike Acceptance to request a loan modification due to my car being in with XXXX for major repairs ( engine replacement ) that the warranty company was not fighting us to not cover. Replacements costs are now at {$5000.00}. I was advised on a recorded line that a request for a modification rolling my XX/XX/XXXX payment to the back of the loan was submitted. That I would receive a confirmation of the request via email and confirmation of their decision within 24-48 hours. We are now at 5 days and I have not received a decision from Strike Acceptance and it has not affectively caused my account to go 30 days passed due and destroying my credit. I also asked that my address be updated correctly. It has not been changed as of today. When calling Strike Acceptance today XX/XX/XXXX, the supervisor that I spoke to stated that the request had been put in BUT I had to make a payment on XX/XX/XXXX for the modification to be approved. Not once in the disclosures read to me over the phone on XX/XX/XXXX was this stated to me. Not one once I notified as stated on the recorded call that was i notified via email of their decision. Again on XX/XX/XXXX I was advised that the request would take 1-2 business days and/or 24-48 hours for a decision. We are outside of this timeframe and because I, as the consumer called in to check on the status, I have not received any email confirmations as I was told. I am now 30 days passed due and mine and my fiancees ' credit have been ruined! Strike Acceptance today on the phone tried bartering with me which is a viilation of the FCRA rules and regulations, stating that once I make a payment, then they will approve the request for modification. Strike Acceptance has not called or emailed me stating that this was the case. I would have scrounge every XXXX  I had to make the payment on XX/XX/XXXX to avoid the 30 days late mark. Again Strike Acceptance is trying to barter with me which is ILLEGAL!!! Also, it was found on XX/XX/XXXX by XXXX, that the engine in the vehicle does not belong to my car. That the milage on my sales contract is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Arrived in XXXX XXXX this past month, was going to the ATM and was confronted by XXXX armed individuals. They forced me at XXXX point to give them my wallet and phone, basically everything with me. They then had me take them to my XXXX where they held me XXXX that week while they emptied my bank account. Once I arrived back to the XXXX, I reported everything to my banks/credit companies. Every company felt sorrow and compassion for me and was able to get reimburse for the lost money. Only XXXX company denied my claim which was Citi Bank. Its basically saying I should have not given them my pin and die over this. I feel like they dont care what even happened honestly. I feel like my life would cost more but they didnt. They denied the claim so quickly I was shocked. It was really disappointing and frustrating that I almost die and my own bank I use doesnt even care.

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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: WA

Complaint narrative:
In XX/XX/XXXX I updated my address with Schwab on my High Yield Investor Checking account. This involved at least two steps with me making the request, then verifying that Im account holder and wanting to make the address change. I have since then received account documents from Schwab at my current-as-of-XXXX XXXX address. 

Then in XX/XX/XXXX the Visa debit card associated with referenced account expired without me having received a replacement card. So, I contacted Schwab by chatbot on or around XX/XX/XXXX and they confirmed by email they would send a new Visa debit card to my current -- as-of-XXXX XXXX address. This email included my current -XXXX XXXX XXXX address and no prior addresses of mine or other mailing addresses.

When I hadnt yet received my Visa debit card at my current -- as-of-XXXX XXXX address by XX/XX/XXXX, I called Schwab at about XXXX XXXX and a Schwab rep confirmed that I had changed my address with Schwab but that Visa had sent both your replacement cards to your old address. The rep said that neither card had been activated and that a third replacement card would be sent to my current -- as-of-XXXX XXXX address. 

So, Im very concerned about security practices at Schwab. And I want to know what other documents or materials from any account I hold with Schwab or any of its affiliates has it sent since I confirmed my current -- as-of-XXXX XXXX address to any old  address of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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:
These accounts were not initiated by me, and I believe they are fraudulent.

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 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Todys date XX/XX/24 thirteen days after a claim was filed on my account ending in XXXX and that hold still remains on the transfer to my new account at XXXX. 
there is a hard violation against me for reasons unknown. Federal Code 229.10 states ' funds from eletronic deposit shall be availible same day and no longer that two days.

Company response to consumer: Closed with non-monetary relief