vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
i applied for a capital one credit card being denied saying i had an account with. a balance im telling them its impossible i have the proof i was denied access to speak to a supervisor and was told that they would black lit me to not get any accounts and that it was what they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
I have requested to XXXX XXXX XXXX  to validate and verify the negative account they arereporting on my personal credit profile, including providing an acknowledged agreementand transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt 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 non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Filed a complaint # XXXX regarding having no knowledge that I had a judgement against me. Their response was a typed up list of events with an old invoice of a charged off loan that has passed the statue of limitations here in XXXX. The company did not provide proof that I had been served or a bill of sale where they had acquired my charged off loan witch violates FDCPA law. I request that all collection efforts stop and that the judgment against me be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed for XXXX  XXXX bankruptcy on XX/XX/XXXX and have been discharged since XX/XX/XXXX. 
My XXXX/Equifax credit report generated on XX/XX/XXXX labels 8 accounts as late which is adversely affecting my score even though those accounts are closed and have been discharged through bankruptcy. 

My understanding is that any discharged debt under bankruptcy can not be marked anything other than closed and can not directly report as late. 

I disputed the statuses of those 8 accounts but was denied because This account is scheduled to continue on record until XX/XX/XXXX. '' I just need the following banks and or credit companies to adjust this based on bankruptcy law. 

XXXX and Equifax claims that the following are late/closed but lists 8 account as late and a 35 % payment history. 

accounts that show 60 days late directly in XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is the only credit report that does not have this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TX

Complaint narrative:
XX/XX/2024 To whom it may concern : I recently made a complaint to your agency regarding the 3 major credit bureaus.

And as of this writing to your agency again, the issues that I had initially complained to you about still have not been resolved. 

Instead, the credit bureaus are again making a mockery of your agency, because they continue to get away with whatever they choose to do. 

They send you notice that they are still working on my complaints, yet they do nothing to correct my credit files, and credit score, and I end up with the same results, of them continuing to destroy my credit rating, and nothing is done. 

In my initial complaint to your agency a few weeks ago, I requested that I want to receive PROMOTIONS, Why has XXXX taken it upon themselves to deny my request. 

This weekend I received a post card from XXXX, claiming that they have removed my name from their preapproved credit offer list for 5 years. 
And they stated that they are notifying the other national credit reporting agencies to do the same. 

I never asked XXXX to remove my name from promotions, and I did not ask them to contact the other bureaus about anything regarding me. 

I want you to please refer to my initial complaint, and this shows the intentional harassment that I have been receiving from 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 2024-03-25 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: TX

Complaint narrative:
XX/XX/year> To whom it may concern : I recently made a complaint to your agency regarding the 3 major credit bureaus.

And as of this writing to your agency again, the issues that I had initially complained to you about still have not been resolved. 

Instead, the credit bureaus are again making a mockery of your agency, because they continue to get away with whatever they choose to do. 

They send you notice that they are still working on my complaints, yet they do nothing to correct my credit files, and credit score, and I end up with the same results, of them continuing to destroy my credit rating, and nothing is done. 

In my initial complaint to your agency a few weeks ago, I requested that I want to receive PROMOTIONS, Why has XXXX taken it upon themselves to deny my request. 

This weekend I received a post card from XXXX, claiming that they have removed my name from their preapproved credit offer list for 5 years. 
And they stated that they are notifying the other national credit reporting agencies to do the same. 

I never asked XXXX to remove my name from promotions, and I did not ask them to contact the other bureaus about anything regarding me. 

I want you to please refer to my initial complaint, and this shows the intentional harassment that I have been receiving from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX  XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XX/XX/2022

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 2024-03-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX  XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-25 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: NV

Complaint narrative:
I pulled my credit report and seen that there all inaccurate information on my credit report Collection accounts that are

only on one credit report that i dont have any knowledge of.

Late payments and charge off accouts With different names and address that arent mine. 
From XXXX XXXX XXXXXXXX, and XXXX that is only showing up on equifax credit report. 
18 U.S. code 894

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: AZ

Complaint narrative:
My name has been used to obtain fraudulent accounts I did not apply for. XXXX XXXX  has been an identity theft account that needs to be removed from my consumer report. 
Account ( XXXX ) Account ( XXXX ) I want a copy of my alleged contract with this company my signature and Id that they obtained to grant credit.

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 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted Experian on XX/XX/2024 in about identity theft accounts on my credit report as of today more that 30 days, Experian has yet to respond. per the FCRA that's makes Experian in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing XXXX days prior, I was NOT notified.

In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 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.

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 2024-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
SINCE THIS INCIDENT ON XX/XX/XXXX, I HAVE CONSECUTIVELY MADE PAYMENTS FOR THE NEXT 6-12 MONTHS. 

This is XXXX XXXX reaching out in regard to my personal guaranteed business credit card I have established with your bank institution. 

I am emailing you pertaining to a late payment that is not only affecting my personal credit, but my business XXXX score as well. I have been a loyal customer with capital one since XXXX and I never struggled with paying my credit card on time. Earlier this year I came across this mishap and I am asking for forgiveness. I am asking to be understood as this late payment was a mistake made unconsciously. Due to my identity being compromised and my debit card being confiscated, I needed to wait for my debit card to come in the mail to update it to the auto pay option. If you take a look back into my payments with capital one for this business credit card, some are ATM payments made directly at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, PA XXXX United States Unfortunately, Capital one only has two locations in the PA area, and both are 30 minutes outside of XXXX. THIS IS VERY INCONVENIENT, and I am asking for you take this into consideration as to why I couldnt make an ATM payment when my debit card was confiscated. I also ask that there be an expending of Capital One Bank institutions in the city of XXXX. I know this will help not only me but multiple Capital one customers. 

I understand that you may have a million requests at hand, but I ask that you look into my profile and help turn my 99 % payment history rate into 100 %. Although this is just one late payment, it has tremendously affected both my companies and my ability to apply for credit and get approved. ATTACHED IS PROOF OF THE LATE PAYMENT AFFECTING MY PROFILE ON ALL THREE CREDIT BUREAUS. ATTACH IS ALSO PROOF OF MY DEBIT CARD COMING IN THE MAIL AFTER MY DEBIT CARD PRIOR WAS CONFISCATED. ATTACHED IS ALSO PROOF OF HOW FAR THE NEAREST CAPITAL ONE ATM IS NEAR TO MY LOCATION. PLEASE ADD MORE CAPITAL ONE BANK INSTITUTIONS IN THE CITY OF XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: MD

Complaint narrative:
While reviewing my credit report, I noticed several inaccuracies. I have a late payment on XXXX separate accounts that I in fact paid on time. The consumer reporting agencies have a duty to report information with complete accuracy. This account has not been late on these payments. I have attached some screenshots indicating the errors on the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX According to 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-03-25 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: MD

Complaint narrative:
While reviewing my credit report, I noticed several inaccuracies. I have a late payment on two separate accounts that I in fact paid on time. The consumer reporting agencies have a duty to report information with complete accuracy. This account has not been late on these payments. I have attached some screenshots indicating the errors on the following : Account name XXXX XXXX XXXX XXXX Account number XXXX Late Payment, XX/XX/XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Late Payment, XX/XX/XXXX Account name XXXXXXXX XXXX Account number XXXX Late Payment, XXXX, XXXX, XX/XX/XXXX According to 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: IL

Complaint narrative:
Upon reviewing my credit report, I came across inaccuracies in some of the information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), it is mandated that the three credit bureaus validate this account. Failure to validate this reported account within the legally stipulated timeframe without providing substantiating evidence is not permissible. My credit report contains the erroneous details that require thorough investigation and rectification : XXXX XXXXXXXX  Balance Owed : {$96.00}

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 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom this may concern, after checking my credit reports I have found some false inquiries listed on my most recently reviewed consumer reports, there are unverified inquiries that does not have accounts attached. Also, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
Inquiries Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to be explicitly clear with my request. I am not requesting validation of debt, but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these inquiries reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. Starting XXXX  days from the date on this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the inquiries from my consumer report without prejudice.

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