vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted complain to the CFPB on XXXX Experian currently reporting inaccurate address information on my consumer. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 


I am distressed that Experian have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


There are 2 invalid and inaccurate addresses listed as my place of residence XXXX invalid phone numbers. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. 

I have enclosed the required copy of my drivers license with this address as well as a utility bill verifying that my legal residence is the one listed here. Due to concerns for identity theft please delete all invalid addresses and phone numbers. 



Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ 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 2024-03-31 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: GA

Complaint narrative:
CAPITAL ONE Account XXXX 15usc 6801 Protection of Non- Public Information CAPITAL ONE has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15usc 6802 Obligation with respect to disclose personal Information. There are XXXX disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy CAPITAL ONE did not clearly and conspicuously provide the disclosure forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: DISCOVER BANK
State: GA

Complaint narrative:
DISCOVER BANK Account XXXX 15usc 6801 Protection of Non- Public Information DISCOVER BANK has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy DISCOVER BANK did not clearly and conspicuously provide the disclosure forms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: PA

Complaint narrative:
I have requested a re-investigation of the accounts listed below with a letter dated XX/XX/2024 from XXXX & have not received a response. Upon pulling a copy of my credit report I noticed for the accounts listed some inaccuracies and I would like you to conduct a re-investigation and want the accounts verified and validated. If the account is validated and verified who validated and verified this information. What is the name of the person & their title? Please provide proof of the certifying information. It is your job to ensure the furnisher of this information is reporting correct and accurate information. 

Accounts : XXXX XXXX XXXX ( Collections ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there 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 shall ( i ) 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 : 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 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: LEXISNEXIS
State: MN

Complaint narrative:
Lexis Nexis is illegally reporting nonpublic private information I never gave them consent to report on my consumer report in accordance to the requirements of the GLBA. I have officially filed a fraud report with the FTC to have XXXX XXXX XXXX. By law XXXX XXXX and or the credit reporting agencies are to block this information within 4 days from receipt of this notice. If this information is not deleted within 4 days I will be moving forward with filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
This creditor Toyota Financial services account number for 2018 Toyota XXXX account number # XXXX and creditors ( XXXX, XXXX, XXXX ) has violated my rights per frca 15 u s. Code {$6800.00} Obligation with respect to disclosure of personal information.

15 u.s.c. 1681 a ( 2 ) ( I ) 15 u s. Code $ 166b timing of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: PA

Complaint narrative:
On XX/XX/year> I have submitted a requested for an investigation for the accounts listed on my credit report and have not received a response, Upon pulling a copy of my credit report I noticed for the accounts listed some inaccuracies and I would like you to conduct an investigation and want the accounts verified and validated. If the account is validated and verified who validated and verified this information. What is the name of the person & their title? Please provide proof of the certifying information. It is your job to ensure the furnisher of this information is reporting correct and accurate information.

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 2024-03-31 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: TX

Complaint narrative:
I was trying to build my credit score, so month after month my score kept climbing, nothing appeared odd on my reports that I was checking in on. Then one day I received a notification that my Equifax score had dropped by XXXX points, upon further investigation I saw that a line of credit had been opened in my name and they ran a charge to the full amount of XXXX XXXX dollars. A few oddities I noticed from the beginning was that it said I had opened this line of credit years ago which could not have been possible ( I believe it said the line had been opened around XXXX ) but not until recently ( around XX/XX/2023 ) had the account been maxed out or even touched. Another thing that seemed odd was the company that had allowed this line of credit which was ( XXXX  XXXX ), I could not find much information about this company and there address they provided on the report XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX is mail only, they apparently have no email or phone number. I contacted XXXX bank since the information I did find pointed me to that company being responsible for supplementing the credit. After a brief phone call with there identify theft department they determined they could not help me but 2 weeks later they called me back and said they will look into the report. After 15 days I received a letter in the mail stating they could not find any instance of fraud as they could not locate the specific account. This issue issue is still unresolved and now Im trying the next step to get this handled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: MA

Complaint narrative:
I am writing to formally dispute the verification of a collection account on my credit report. Despite previous verification, I request the deletion of this account in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( A ), the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), and the Fair Credit Billing Act ( FCBA ) Section 623 ( a ) ( 7 ). The collection account in question is XXXX  XXXX XXXX XXXX believe this account does not accurately reflect my credit history, and I have not received sufficient validation of its accuracy from the creditor. Please provide me with a written explanation of the verification process and the specific information that was verified. Additionally, I request that you delete this account from my credit report as per FCRA, FDCPA, and FCBA guidelines. I appreciate your prompt attention to this matter and request that you inform me of the outcome of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: OR

Complaint narrative:
DISCOVER FINANCIAL SER - XX/XX/year> CUDL/IQ CREDIT XXXX XXXX XX/XX/year> XXXX XXXX XXXX - XX/XX/year> OREGON XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> RELIABLECRED - XX/XX/year> XXXX XXXX, XXXX XXXX - XX/XX/year> XXXX XXXX, XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX CU- XX/XX/year> XXXX XXXX, XXXX XXXX XXXX XX/XX/year> DIPLOMAT MOTORS- XX/XX/year> XXXX XXXX - XX/XX/year> XXXX AND XXXX MOTORS - XX/XX/year> EMBOLD CREDIT UNION XXXX OREGON XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
The credit card company locked my account due to a " suspected fraud '' for a XXXX  payment on XX/XX/XXXX, which I later authorized it was not a fraud. Capital One sent one message that did not indicate my account was locked. When my car insurance final payment was due on XXXX, Capital One refused to pay, and subsequently, my car insurance was suspended due to non-payment. I tried to pay Car insurance fees within the grace period advertised on their site, which says XXXX days. I made payments online based on what was shown that I needed to renew, then told that the amount was not correct. After making the payment on the same day of my car accident, the insurance activated my coverage the following day. XXXX XXXX XXXX  did not give a grace period and sent communications within their app, requiring sign-in to review documents. I am a XXXX XXXX veteran who had these payments set for auto-pay. I had both credit and the ability to pay. On XX/XX/2024 I was in a car accident that required XXXX  for myself, and another person in the accident XXXX XXXX XXXX. I had paid an entire year of insurance and was ready to renew automatically, but capital one failure to pay on my behalf for the incorrect suspension of my account without confirmation from the owner of the account, I have no car insurance to cover the damages from the accident or to cover my hospital bills. I believe that the credit card company is responsible for the failure to pay, despite having credit available to pay during the date requested by the bank. Insurance and Bank take advantage of online messaging to reduce costs on paperwork, but do not properly notify their customers of risks or damages that can occur until it is too late and too their benefit, not the consumer. I am XXXX person of millions of customers who are not being protected as they describe and have left me without any insurance coverage to provide me during the time I needed it most.

I

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I have requested a decrease in the interest rate, and was only granted another loan term with just very limited decrease in interest. The interest is extremely elevated One Main financial only offered that I take out a new loan, this only caused more and more added terms to the loan. I have been stuck with this since XXXX to current. I have never missed a payment. 

I became very ill in XXXX with XXXX  XXXX and was on XXXX XXXX XXXX with my employer. I had already been offered XXXX coverage with OneMain financial in XXXX which was an added cost to the monthly loan installments, this benefit served as paying my payments on my behalf with small balance left for me to pay out of pocket.

I would like to dispute the practices and interest rates of my loan in effort to be debt free from this financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Trans Union refused to delete a bankruptcy when I provided evidence from the State that they didnt place it on the report. They lied and said they verified it.

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 2024-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MD

Complaint narrative:
My card was stolen and charged {$350.00} at XXXX XXXX some place Ive never been I reported it to chime whom I bank with the next day once I realized it I was told that the transaction was declined and that the funds would go back into my account in XXXX to XXXX business days and that they were blocking the merchant from taking any funds from my account I asked the agent over and over again was she sure and she reassured me that no funds would come out and I would receive them back and the wasnt true the funds posted and was out of my account later that day I immediately filed a dispute with chime which was denied and has put me in a financial hardship after I was told that I would receive my money back something needs to be done about this as Ive heard chime does this to hard working Americans day in and day bout please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 2024-03-31 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: AZ

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2024 at about XXXX I tried to deposit a check in my account using the Bank of America located XXXX XXXX  XXXX XXXX, XXXX  IL XXXX. I inserted the check & received a error message stating the machine couldnt read the check. & the check will be returned. The machine started to freeze up & eventually gave me my card back but the check did not return. The check did not deposit in my 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 monetary relief
Consumer complaint received 2024-03-31 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 has violated my rights.

15 U.S.C 161 section 602 A. States I have the rights 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 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