vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One/Walmart closed my account in retaliation for my years of complaints that goods and services I paid for were regularly not provided ; poor service never improved. I never made minimal payments nor never missed a payment. 
This decision to close my account in retaliation from a company currently settling a {>= $XXXX} lawsuit with customers for cheating them on products they overcharged customers for. 
I want this corrected on all three credit bureaus. Ive had more than {$XXXX} worth of problems with the company delivering to wrong address or never delivering goods and services at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was given the reason that synchrony bank close my account was due to multiple cards high balances and not having real estate assets. The fact of the matter is, Ive significantly paid down my credit cards debt and outstanding medical bills. My credit score has gone up in the past 30 days I believe a factor they close my account is due to MYAGE. I paid off my XXXX XXXX  card, and Lowes credit card with synchronicity in the last 60 days Synchronicity decided To recently close my Lowes card After it was paid in full, they also close my CareCredit account and my Crate & Barrel account. I was not past due on paying my credit cards, but because I had auto pay set up, they attempted to withdraw a payment several times From an old bank account within the same pay Period when I didnt have funds available. 

I enjoyed having the cards open and appreciate them extended credit to me. They are A major factor at driving down my credit score, driving up my interest rates Making it that much harder to reduce my debt with other credit card providers. 

Again, I am a woman of a certain age that doesnt own real estate that has a steady six figure employment. Age and sec is playing a factor here which is discrimination. Their analytics programs should be investigated and my credit score should have any negative impact reversed by the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-04-28 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-04-28 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: OH

Complaint narrative:
I have recently look at my credit report and noticed that I have an account on my credit report that I have no knowledge of nor have it been verified. I have attached a letter along with my proof of identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Complaint Department Transunion XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX CFPB Im writing to you to dispute certain false information that is reported in my credit file. The errors are encircled on the attached copy of the report I received.

According to Section 611 of the Fair Credit Reporting Act, I am requesting that the items indicated are reinvestigated and deleted from my report as soon as possible.Please look into this ( these ) matter ( s ) and ( delete or correct ) the unverifiable and inaccurate item ( s ). Also I'm asking for the removal of all incorrect information under section 1681 of the consumer credit reporting act for misuse of information an not verification of correct information, provided unverified information, wrongly processed, not up to date information, wrongly distributed information such as name, addresses, inquiries, collections, chargeoffs, that are inaccurate an not updated. All inaccurate information has violated my constitutional rights as a class 1 felony under federal law for defamation of character damaging my image to others causing long lasting damaging decisions for the way others see me. PLEASE FIX ERRORS AN UPDATE NEW CREDIT REPORT. 

In accordance with the Fair Credit Reporting Act of 1996, please inform me when the disputed items have been deleted. Also, send an updated copy of my credit report to the below address. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC 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 2024-04-28 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: AZ

Complaint narrative:
violated sections 1031 ( a ) and 1036 ( a ) ( 1 ) of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ; sections 623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) of the FairCredit Reporting Act ( FCRA ), 15 U.S.C. i68is-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ; sections 1022.42 and 1022.43 of Regulation V, 12 C.F.R. 1022.42-1022.43 ; and sections 807 and 814 of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16920,1692/.

The Bureau and Defendant agree to entry of this Stipulated Final Judgment and Order ( Order ), without adjudication of any issue of fact or law, to settle and resolve all matters in dispute arising from the conduct alleged in the Complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: AZ

Complaint narrative:
violated sections 1031 ( a ) and 1036 ( a ) ( 1 ) of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ; sections 623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) of the FairCredit Reporting Act ( FCRA ), 15 U.S.C. i68is-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ; sections 1022.42 and 1022.43 of Regulation V, 12 C.F.R. 1022.42-1022.43 ; and sections 807 and 814 of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16920,1692/.

The Bureau and Defendant agree to entry of this Stipulated Final Judgment and Order ( Order ), without adjudication of any issue of fact or law, to settle and resolve all matters in dispute arising from the conduct alleged in the Complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: TX

Complaint narrative:
I recently received a copy of my credit report that Experian publishes and after reviewing it I found items that were not authorized by me. I am a victim of identity theft. I requested for the accounts to be blocked and provided Experian with an Identity Theft Report. Pursuant to section 605B of the Fair Credit Reporting Act, ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXXhird Party Debt Collector, who appears to be fraudulently claiming authority to administrate for XXXX XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to " represent '' that you, XXXX XXXX is authorized to administrate on behalf of XXXX XXXX XXXX, together with a certified copies of " all '' signatures contract between you and the XXXX XXXX XXXX, you and the original creditor, bonds, original creditor Charge -off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreements for passing " XXXX XXXX, private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the " XXXXXXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Caveat : 1692G.

The Trust disputes this debt and all claims to contract in accordance with Title 15 USC If you lack the understanding of this paperwork, forward to your ATTORNEY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: GA

Complaint narrative:
XXXX  XXXX, Third Party Debt Collector, who appears to be fraudulently claiming authority to administrate for XXXX XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to " represent '' that you, XXXX XXXX is authorized to administrate on behalf of XXXX XXXX XXXX, together with a certified copies of " all '' signatures contract between you and the XXXX XXXX XXXX, you and the original creditor, bonds, original creditor Charge -off documents, sureties, indemnification, insurance and any Third XXXXarty Debt Collector Association Agreements for passing XXXX XXXX XXXX, private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the " XXXXXXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Caveat : 1692G.

The Trust disputes this debt and all claims to contract in accordance with Title 15 USC If you lack the understanding of this paperwork, forward to your ATTORNEY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On or about XX/XX/XXXX, I noticed there were at least 13 unauthorized charges on my checking account. These charges were made once per month dating back to at least XXXX of XXXX in the amount of {$29.00} each. The name of the vendor changed each month so it was difficult to detect and I did not recognize any of them. I then called Capital One to initiate a dispute. Capital One then gave me a provisional credit for each charge including interest. However on XX/XX/XXXX without my knowledge or consent, Capital One reversed 3 of those credits for the fraudulent charges for the amount of {$29.00} each, totaling {$89.00}. I did not not receive any explanation as to why these credits were reversed. These charges were fraudulent and not authorized by me so Capital One should refund the money. It is very concerning to have your money stolen not only by thieves but also by the bank itself. The charges in question which you can see on the attached statement are for XXXX XXXX, XXXX, XXXX, and XXXX. I did not use any of these services or ever authorize payments to these vendors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The multiple inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI Section 611-15 USC 1681i, you are to comply with laws and regulations regarding re-investigation of any and all inaccurate information. Please delete this account immediately and send me an update of 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 non-monetary relief
Consumer complaint received 2024-04-28 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 



Dear XXXX, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Experian Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 



Dear Experian, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: NC

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.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
On XX/XX/year> I received an email from my bank ( SoFi ) stating We take the safety and security of your account very seriously. In reviewing your SoFi Bank account, there appears to have been activity which indicates that the account may have been used in violation of the authorized activity guidelines described in your SoFi Bank Deposit Agreement. 
For your protection your account has been temporarily restricted. We sincerely apologize for the time you will not be able to deposit or withdraw from the account, transfer funds, or make purchases with your debit card. We need to speak with you to discuss your account details. 
Please call us at XXXX. If you reach our voicemail, please leave a message and a member of our security team will get back to you within 1 business day. We appreciate your patience while this process is completed. 
Sincerely, The SoFi Team So I called and they said that there is no information or ETA that I will have to wait XXXX XXXX XXXX XXXX and no funds means no medication or treatments they didnt care and I was hung up on on XXXX occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: FL

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. 

XXXX5 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