vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In mid XX/XX/XXXX I have scheduled a large payment through Capitol One bill pay to my XXXX Credit Card. The payment was scheduled to be processed on XX/XX/XXXX and delivered on XX/XX/XXXX, the due date. However the payment was 1 day late resulting in a {$29.00} late fee put on me by the credit card. 

On XX/XX/XXXX I have received the following message : XXXX XXXX  XXXX XXXX Account ending in : XXXX Payment Reminder Dear XXXX, You've missed the payment on your AAdvantage Aviator XXXX XXXX XXXX XXXX that was due on XX/XX/XXXX. Take action today. 

Its easy to make your payment online. 

Visit our website, to see your balance and set up the payment. You can also sign up for autopay to make it easy to keep everything up-to-date. 

If you have already made the payment, thank you. 





And on XX/XX/XXXX I have received the following note : XXXX XXXX XXXX Featured by XXXX Pay 0 % interest until XXXX with these credit cards Account Alert : Your statement is available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX To : XXXX Sat, XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account ending in : XXXX Your statement is available Hi XXXX, Your statement for the XXXX XXXX XXXX XXXX XXXX XXXX is now available online. 

Your Statement Summary Statement Balance : {$29.00} Minimum Payment Amount : {$29.00} Payment Date : XX/XX/XXXX by XXXXXXXX XXXX ET On XX/XX/XXXX I contacted the Capital One customer service line which indicated the wait to be XXXX min. However the wait was then extended to XXXX min and after getting to the agent the call was hang up on. 
Subsequently I called again after about XXXX min I got to the CSR based in the overseas call center who then informed me that although I indicated the bill pay issue on the Capital One phone menu he's not in the department that is able to handle this issue and he will have to transfer me again to the dept can help me. I refused stating I do not have an infinite amount of time being transferred from XXXX place to another and requested to speak with the supervisor. I was told that I will be transferred and then after about XXXX min the call was disconnected. 

It is obvious that Capital One is unwilling and unable to provide basic customer service through its overseas based CSR centers which are most likely outsourced to the third party vendors. It is also very telling that the Capital One XXXX XXXX system is unreliable and Capital One doesn't seem interested in addressing the issues that harm consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MS

Complaint narrative:
I recently received a copy of my credit report and noted items on my report that are fraudulent accosts and inquiries. I have filed a Theft report with the FTC and have it attached. Please remove the following fraudulent accounts from my credit report. 
XXXXXXXX XXXX Acct # XXXX, in the amount of {$2000.00} XXXX XXXX Acct # XXXX, in the amount of {$1100.00} XXXX XXXX Acct # XXXX, in the amount of {$660.00} The following inquiries are included in the fraudulent accounts on my report ; Please remove these also. 

XXXX, XXXX ; rXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Amex called and leaving voicemails numerous times in months of XXXX and XXXX. I lost my job and could not be able to pay. Title 15 USC 1692 states that a debt collector can not engage in any conduct or which is to harass, oppress, or abuse any collection of debt. Also Title 15 USC 1692 ( f ) ( 1 ) Unfair Practices states a debt collector may not use unfair means to attempt or collect any debt. Please resolve this thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-25 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: FL

Complaint narrative:
You have allowed the following unknown account to be reporting inaccurate and erroneous information on my credit file since inception to my credit file. ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX. 15 U.S.C. 1681e ( b ), which requires credit reporting agencies and furnishers to maintain accurate and up-to-date information. Inconsistent Reporting of Date Last Activity. XXXX reports Date Last Active XX/XX/XXXX, XXXX XX/XX/XXXX, and Equifax XX/XX/XXXX. There has been no recent financial activity or payments on this account for the dates to be inconsistent and according to federal law this is ILLEGALLY re-aging of debt and you are allowing this company to continuously re-age this debt monthly. XXXX has since deleted this account when I brought their attention to these illegal reporting activities. Please follow suit and delete this account immediately. Federal laws supersede any corporation 's policies or procedures and protects consumers from unfair and abusive practices. It is economic abuse, defamation of character and is permeating my everyday life harming every aspect of my life and my wellbeing. I will be pursuing forward with litigation if this illegal activity continues and this account is not deleted immediately. Please see documentation for proof of identity, and proof of deletions and inaccurate reporting information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I.C.System provided a Credid Reporting Removal letter

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 2025-01-25 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: AR

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2025-01-25 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:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your re-investigation. According to the FCRA, you are required to conduct a reasonable investigation into the inaccurate information showing on a credit report when a consumer requests such investigation. I find it hard to believe that you conducted a reasonable investigation and were able to verify these accounts. The accounts that I believe are reporting inaccurately are listed below XXXX Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BRIDGECREST CREDIT XXXX XXXX XXXXXXXX You did not conduct investigation and as such I request removal of this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
Experian failed to properly investigate and correct inaccurate information on your credit report, violating the Fair Credit Reporting Act ( FCRA ) by including false or misleading details that caused you demonstrable harm, such as denial of credit, employment, or housing due to the error on your 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 2025-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Credee Corporation
State: WA

Complaint narrative:
I had to move and funds became tight in the process. I had to miss a payment in order to afford moving and plan to make it up. The creditor has been calling me off the hook regardless of me messaging them ahead of time to convey the situation and let them know that I planned to pay it. Not only that but it's barely late. It's not as of it were XXXX whole payments late and on the brink of being totally bad. They called early in the morning before XXXX Alot too. I have the call logs and everything. It shouldnt be like your getting harassed when your having financial struggles. I wouldn't even had used credee if I didnt have to at the time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
This notice is for all three agency for false data and THIS IS ADDITIONAL INFORMATION. 

Experian XXXX XXXX Subject : Formal Dispute and Request for Immediate Removal of Unauthorized Hard Inquiries Dear All Credit Agency, I am writing to formally dispute several unauthorized hard inquiries on my credit report, which occurred after visiting a dealership to apply for an auto loan. I gave consent for my credit to be pulled once to secure financing, but instead, my credit profile was accessed excessively without my authorization, resulting in multiple hard inquiries.

These inquiries violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below are the key violations and case laws supporting the immediate removal of these inquiries : Violations and Case Laws Unauthorized Hard Inquiries FCRA 604 ( a ) : Hard inquiries must have a permissible purpose and explicit consumer consent. 
Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Reinforces that consumer consent is required before accessing credit reports. 
Excessive Credit Pulls Without Authorization FCRA 607 ( b ) : Credit bureaus and furnishers must ensure accuracy and permissible access to credit profiles. 
XXXX XXXX : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Unauthorized and excessive credit pulls are an invasion of privacy. 
Violation of Privacy Rights Case Law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Accessing credit without explicit consent constitutes an invasion of consumer privacy. 
Immediate Removal of Inaccurate Inquiries FCRA 611 ( a ) ( 1 ) ( A ) : Disputed information must be investigated and corrected if it is unverifiable. 
Case Law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Credit bureaus must remove unverifiable and unauthorized inquiries. 
Demands Immediate Removal : Delete all unauthorized and excessive hard inquiries from my credit report within five ( 5 ) business days.

Investigation : Provide documentation from the dealership proving the permissible purpose and explicit consent for each hard inquiry. 
Compliance with FCRA : Ensure all future inquiries are validated before being added to my credit profile. 
Failure to address this matter promptly will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), and Federal Trade Commission ( FTC ), and legal action to seek damages for unauthorized access and privacy invasion. 

Thank you for your immediate attention to this matter. I expect a response and resolution within XXXX business days. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
Subject : Request for Reinsertion of Deleted Information under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) and 1i ( a ) ( 6 ) ( B ) Dear Transunion, Account # XXXX I am writing to request the reinsertion of accurate information to my credit report under the provisions of **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ** and **15 U.S.C. 1i ( a ) ( 6 ) ( B ) ** following the deletion or dispute of that information. I understand that these provisions protect my right to have information reinserted on my credit file if it was removed in error, particularly when a credit reporting agency has reason to believe that the information is inaccurate or incomplete. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I believe that the following items, which were previously disputed and subsequently removed from my credit report, should be reintegrated as they meet the criteria for accuracy, or were removed without sufficient basis. Here are the details of the information in question : ** [ Insert the details of the disputed item ( s ) e.g., account numbers, creditor names, dates, etc. ] ** Under **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) **, I request that the deleted information be reinserted to reflect its accurate status, as required by the law. The Fair Credit Reporting Act mandates that information which has been deleted in error or due to inaccurate reporting must be reinserted within a reasonable time frame if substantiated. Additionally, under **15 U.S.C. 1i ( a ) ( 6 ) ( B ) **, I believe the disputed item ( s ) in question were improperly removed or were subject to wrongful dispute, and therefore, I request they be returned to my file.

If you need further documentation or clarification to support my request for reinsertion, I am happy to provide the necessary materials. Please respond within 30 days as required by federal law.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon.

Sincerely,

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 2025-01-25 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: NM

Complaint narrative:
I am writing to formally dispute and request an investigation into the accuracy and completeness of the following account ( s ) reported on my credit file. I believe there may be inaccuracies that need verification. Please see the account details below : XXXX. Account Name : XXXX XXXX XXXX XXXX o Account Number : XXXX ( partial for privacy ) o Dispute Reason : Potentially negative months, outstanding balance discrepancy, and late payment reporting. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX ( partial for privacy ) o Dispute Reason : Balance paid off ( 100 % ), yet listed as " potentially negative, '' and other reporting inconsistencies. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation to ensure that these accounts are being reported accurately and completely. If errors or inaccuracies are found, please correct them or remove the accounts entirely from my credit report. 
For your convenience, I have attached the relevant portions of my credit report that highlight the accounts in question, as well as any additional documentation to support my dispute. 
Please provide me with the results of your investigation, including any updates made to my credit report. Additionally, I request an updated copy of my credit report reflecting these changes. 
If you need further information from me, please do not hesitate to contact me. 
Thank you for your time and prompt attention to this matter. I look forward to your resolution within the time frame required by the FCRA. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
Between XX/XX/year> and current, Ive been submitting letters for accurate reporting to XXXX. To date, the company allows things to be placed on my credit report without validating the 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 2025-01-25 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: TX

Complaint narrative:
Between XX/XX/2023 and current, Ive been submitting letters for accurate reporting to XXXX. To date, the company allows things to be placed on my credit report without validating the information.

Company response to consumer: Closed with explanation