vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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: LA

Complaint narrative:
XXXX XXXX XXXX Acct # XXXX was charged off in ( XX/XX/year> ) .I have requested the 1099c to support the charge off and it has not been sent. I have dispute this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in Discover Bank v. Scheimer, 36 F.3d 1214. Attached is also the dispute filing that comes bank verified within 24hrs.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I received a letter from Rash Curtis & Associates stating I owed {$2600.00} for an outstanding hospital bill. I have asked the hospital & previous collection agency for an itemized invoice. I have never received one. Rash Curtis wants {$3500.00}. I immediately asked them for an ITEMIZED statement. I did not receive a response within five days of my asking. When I did get a response, the statement was not itemized. The enclosed statement was dated on XX/XX/XXXX and clearly says : " ... we will not report it to any credit reporting agency. '' Yesterday, XX/XX/XXXX, after having my credit pulled, I found out not only did Rash Curtis & Associates add this medical bill to my credit ( XXXX so far. Not sure if it is also on my XXXX  ), but they dated it XX/XX/XXXX when the original debt was from XX/XX/XXXX. I have notified them I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I initially started disputing information on my credit report with all XXXX of the major credit bureaus : XXXX, Equifax and XXXX on XX/XX/year>. I requested an investigation for multiple accounts, and after disagreeing with the results, I requested a reinvestigation. I also requested details in regard to the process that was used to 'verify ' these accounts in writing XXXX Names of whom they spoke to, phone number to the creditors, addresses, supporting documents, etc. To present day, XX/XX/year>, I still have not been provided with such information. There are inconsistencies with multiple accounts across all XXXX credit bureaus, which is why I find it hard to believe that anything was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I initially started disputing information on my credit report with all XXXX of the major credit bureaus : XXXX, XXXX and Experian on XX/XX/year>. I requested an investigation for multiple accounts, and after disagreeing with the results, I requested a reinvestigation. I also requested details in regard to the process that was used to 'verify ' these accounts in writing XXXX. Names of whom they spoke to, phone number to the creditors, addresses, supporting documents, etc. To present day, XX/XX/year>, I still have not been provided with such information. There are inconsistencies with multiple accounts across all XXXX credit bureaus, which is why I find it hard to believe that anything was verified.

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 2024-08-13 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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

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 2024-08-13 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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

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 2024-08-13 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Here are the pertinent facts, I recently obtained a copy of my credit report from myannualcreditreport.com, I have found numerous upon numerous problems and discovered identity fraud has been committed in my name. 

XXXX XXXX, my social security number is XXXX, my date of birth is XX/XX/XXXX. Contents of this complaint : This CFPB complaint has been filed in pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened at Best Buy on XX/XX/XXXX, unknown account number ; XXXX XXXX XXXX {$140000.00} ; the XXXX XXXX  XXXX XXXX XXXX XXXX account number XXXX unknown amount charge off ;, XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account XXXX XXXX, The XXXX- XXXX XXXX ;, opened XX/XX/XXXX, Department of education/XXXX  account opened XX/XX/XXXX account XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy dated XX/XX/XXXX, XXXX XXXX Bankruptcy XX/XX/XXXX, XXXX  XXXX bankruptcy dated XX/XX/XXXX. There are a plethora of incorrect names, addresses in which I never lived, a massive amount of hard and soft inquires outlined on the next page NOT made by me. 

These accounts have resulted in many hard inquires and fraudulent soft inquiries appearing on my consumer XXXX credit report. I have attached a list of both the soft and hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT recognize the aforementioned accounts, collections, hard and soft inquires, addresses and names which I have never used. The aforementioned accounts, collections, and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, hard, soft inquires, bankruptcy filings, and other information are the result of identity theft and fraud. I have attached copies of the FTC identity theft criminal complaint # XXXX XXXX, & XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, mortgages, student loans, soft/hard inquires, names, addresses are all the results of identity theft and fraud.

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 2024-08-13 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:
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.

Account Name : 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 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 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 non-monetary relief
Consumer complaint received 2024-08-13 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:
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. 

Account Name : 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 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/XXXX 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 2024-08-13 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: TX

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. 

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 XXXXXXXX : {$440.00} 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 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
As of XX/XX/XXXX, I discovered that my online banking for Wells Fargo was hacked and realized that my identity had been stolen. It was near closing hours for branch, but I called to reported to the bank and asked to lock my online banking, checking account and credit cards. 

I went to the branch again XX/XX/XXXX seeking for help and asking advice for the next step. The banker at Wells Fargo branch assured me that all my accounts are blocked and transactions are under investigation. There is no need to open a new account as the funds will be returned to the same account as investigation gets resolved. 

Even after I reported my accounts had been hacked and my identity was stolen, Well Fargo failed to protect my checking account as the fraudster could continue to access my checking account and order new ATM cards to conduct fraudulent activities. There are Frauded transactions from XX/XX/XXXX all the way to XX/XX/XXXX!! I had reported that all transaction is fraud started XX/XX/XXXX and on. I have visited XXXX California branch reporting frauds as it is happening to my account many times, while all the ATM withdraws are showing that they took place in XXXX XXXX. Well Fargo failed to investigate the fraud transitions properly and are not crediting back my account for the stolen funds.

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 2024-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I did a search for XXXXXXXX XXXX XXXXXXXX and saw purchase tickets. I clicked on it and paid for 3 tickets for the XXXX XXXX it even had a layout of the seats. I never received the tickets. In the month to follow I then developed a XXXX on my XXXX XXXX and was unable to travel. I originally explained that I had not received my tickets which I never did. Then I called to say I had not received my tickets and I had a medical reason that I could not travel. 


Dear Capital One I have enclosed the following documents : Sales Invoice from Tickets Center I was never informed about any cancelation policy nor have I ever seen or was offered any of the documentation attached to your letter dated XX/XX/XXXX from XXXX XXXX. 
On XX/XX/XXXX I Pressed the contact button from the email I received on XX/XX/XXXX to explain I never received the tickets. 
On XX/XX/XXXX I received a response from a company XXXX XXXX. 
When you go to XXXX there is where they list that there is no cancelation policy the documentation attached to your letter dated XX/XX/XXXX. 
As I dug further to try to find a live person I found out that a company in XXXX  owns XXXX and the company in XXXX has a phone help desk which is out of the XXXX. 
When I called the customer service I discovered the customer service rep was from the XXXX and did not understand what I was saying. All she did was continue to read a script You have already received your ticket I told her no I did not and to prove to me that I had received my tickets. She than no longer wanted to talk to me and hung up. 

I called the XXXX XXXXXXXX XXXX Ticket office to talk to them about my tickets. I was then transferred to the manager XXXX her direct number is XXXX. She said they were having a lot of problems with customers being tricked and the tickets were already sold to a XXXX XXXX and that is why I had not received the tickets. XXXX said she would be more than happy to talk to the credit card company. 

I dont know what more I can say except I got scammed and found our 3 different companies are involved. Capital One came back and sent me a letter stating my dispute with XXXX XXXX had been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TX

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. 

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 XXXXXXXX : Balance : $ {$2500.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 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 non-monetary relief
Consumer complaint received 2024-08-13 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: CREDIT ACCEPTANCE CORPORATION
State: RI

Complaint narrative:
Dear CFPB Team : This repossession was made without following the laws and procedures specified Under the laws of Rhode Island Title 6 Commercial Law General Regulatory Provisions, Rhode Islands Uniform Commercial Code and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

I demanded proof that the repossession of the subject vehicle was legal in accordance with the following UCC and The Rhode Island Automobile Repossession Act

Chapter 51 : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 6-51-3. DEFAULT, NOTICE, RIGHT TO CURE, REINSTATEMENT. I required CREDIT ACCEPTANCE CORPORAT an
d DEANCO to provide me with copies of the legal notices sent and proof of the commercially reasonable manner of the notification and notice of resale of the subject vehicle for my records. They failed to investigate this account properly, proof this repossession was made lawfully and all the legal notices required after I sent letters to them and they neglect has violated my rights to have an accurate credit history and hurting my ability to be accepted for new credit. 

I am demanding a immediately deletion of the following account from my credit report across all the 3 bureaus : Accounts Name : 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 2024-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NH

Complaint narrative:
I made a payment of {$360.00} on XX/XX/XXXX and it was processed and completed on the XXXX I even have confirmation emails and a picture stating that it was completed and taken out of my bank account. So the balance that I owed went down, I was notified XXXX days later saying that we are past due and the balance went back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MN

Complaint narrative:
XX/XX/2022 have been trying to get my money {$180.00} and US Bank reopended my account to and now my money has disappeared in thin air US Bank dont have it and nor does 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 monetary relief