vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Experian Consumer Dispute Center po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear XXXX, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account XXXX XXXX XXXX XXXX # XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, Experian, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, Experian, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I do not have a contract with Capitol one authorizing any public or private usage of my name. They are violating 15 usc 1666 by reporting alledged late payments on a credit profile without any verification. This is a direct violation of my constitutional rights, and fcra laws to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: U.S. BANCORP
State: NC

Complaint narrative:
I am writing to dispute a transaction related to a XXXX XXXXXXXX XXXX from XXXX XXXX on XX/XX/XXXX. 

On that day, I received multiple email updates from XXXX XXXX stating that my flight was delayed. I proceeded to the airport, expecting the situation to be resolved. However, I later received an email notification stating that the flight was canceled. At the airport, passengers were directed to call customer support for assistance, as several flights had been canceled that day. 

In the absence of timely support from XXXX XXXX, I was forced to book a last-minute flight with another airline, costing me {$1300.00}. XXXX XXXX claimed the cancellation was due to bad weather in XXXX, yet I was informed by several people that the real reason was staffing issues, and they were citing weather to avoid compensating passengers as per the new DOT rules. 

Without my permission, XXXX rebooked me on a flight for the following day. I tried to contact customer support to cancel this rebooking, but after 3 hours and 25 minutes on hold, my phone battery died. Online customer support was also unavailable citing " off line ''. The following day, while I was already en route on the alternate flight, I attempted to reach customer support again and remained on hold for 1 hour and 27 minutes with no response ( I have proof of calling history ). 

Despite my attempts to cancel the rebooked flight, XXXX XXXX later reported to my credit card company that I was a no-show, which is simply not true. I would not have spent {$1300.00} on a new flight if I intended to fly with XXXX the next day. This situation feels purposefully difficult, and I believe both the airline and my credit card provider have failed to support me as a consumer. 

In addition to the flight charges, XXXX also charged me for miles and luggage on a flight I never took. They canceled my original flight, rebooked me without consent, made it impossible to cancel, and then charged me for services I never used. I believe this behavior is unethical, and I request that my credit card company reverse the charges related to this flight.They also as a premium travel credit card " US Bank Altitude reserve '' which I pay $ XXXX has done nothing to support and help in this matter especially since I have travel insurance through the credit card as well. 

I appreciate you looking into this and look forward to a fair resolution and refund for a service never used due to their staffing issues and cancellations.

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 2024-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one bank has three inquiries that are not open accounts on my credit report and Ive asked him several times to remove them because I dont know how they got there but they are not helpful and they are not trying to help me remove it and I need them removed. The Capital One inquiries are from these three different dates XXXX, XXXX XXXX/ XX/XX/XXXXXXXX  / XX/XX/XXXX. Those three inquiries are not open accounts. I need those removed immediately. It is putting a huge effect on my credit score. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I would like to first explain to you, that I have found errors in my consumer report. After looking at a copy of my credit report. The credit report showed incorrect information by your company that I do not authorize. Per 15 USC 1681 B Permissible Purposes, you need my approval to place any information on my credit report. Also, per 15 USC 1681 EB Compliance procedures, you have to be 100 % accurate you are not accurate.

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 2024-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Thank you for taking the time to review my request. I have attempted to resolve my issue of inaccurate information on my credit file twice with both Transunion and XXXX over the last several months. As well as requesting copies of the information directly from the creditor where XXXX and Transunion are allegedy getting the wrong information. No one can provide the information used to sign up or copies of the information so I can verify, I have NOT missed any payments on any of my accounts and this has caused higher interest rates and less money that I could use for my family. Transunion said it had not reported since XXXX  but yet creditors have pulled my credit file and using something that hasnt even been updated in a year., XXXX and Transunion are both reporting inaccurate information and wrong information on both of my credit files. They are not verifying the information with the credit card companies and the companies reporting this bad information. 

Below are the companies I have requested copies of the information from both the Credit Bureau and the creditor on 2 occasions to verify my information and to provide me with copies of the information they used to verify that info with the original creditor. I requested this from XXXX, Transunion, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I have also attached the accounts of the inaccurate information for the ones with missed payments. 

All the information the allegedy verified was verified through a third party that I did not give authorization to share my information. This is the exact reason i did not want my information shared because now I have inaccurate information being reported causing me to have higher interest rates. The hard inquiry was inaccurate and they could not verify as well. Please verify the derogatory information and provide me with copies as well. If you can not provide copies of this within 30days please remove.

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 2024-10-06 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: VA

Complaint narrative:
EXPERIAN REPORT # XXXX This CFPB complaint constitutes a Notice of Default, second written communication for the record. Take notice this Notice of Default is not a validation request, do not send any validation. 

On XX/XX/year>, a certified Notice of Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX delivered to EXPERIAN regarding the report stated above & instructions to block & delete the following unauthorized accounts stated below. 

On XX/XX/year>, I received a response letter dated XX/XX/year>, report # XXXX NON-COMPLIANCE of my instructions. 
EXPERIAN is required by law & it is their duty to comply with my instructions that are authorized by law. 
My instructions to block & delete were not being made in error nor on the basis of a material misrepresentation. My instructions to block, delete, cease & desist the entities listed are due to invasion of my right to privacy. The entities did not have my XXXX XXXX written consent to be in possession of nor sell my private financial & personal information. I have called to EXPERIANS attention the following are in non-compliance with Privacy Act, Gramm-Leach-Bliley Act, FCRA & FDCPA. 
The following unauthorized entities must be blocked, deleted, cease & desist. 
XXXX ) XXXX XXXX XXXX  - XXXX XXXX ) XXXX XXXX XXXX - XXXX XXXX ) XXXX XXXX XXXX - XXXX XXXX ) XXXX XXXX XXXX - Acct # 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 2024-10-06 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: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
The company name is Southwest Credit Systems LP. It says they are collecting on a loan. Have no knowledge of the company or loan. It was reported to my XXXX credit account on XX/XX/XXXX. I am also disputing this with XXXX. I filed a dispute with them on XX/XX/XXXX. The information is inaccurate and misleading. And, again I have no knowledge of this loan account or company, which the loan came in existence. My credit report from XXXX listed this loan account was opened on XX/XX/XXXX. It doesn't have the Loan Company listed. Just the Collections listed : Southwest Credit Systems LP. I would like company to be investigated as well removed from my credit report. Also, I would like for my Identity to be investigated as well. I feel my Identity has been stolen. Due to a security breach involving XXXX XXXX. I was employee there and they sent me a letter out saying that they have been breached by a hacker and this happened in XXXX. I believe, I will have to double check that information. My information was leaked and I did get identity theft security for a whole year free from that company that was over XXXX tree 's security team. But now the the time is up and that's when I found out about this collection or loan on my Credit report. I have no knowledge of this account. I am looking forward to help from you all thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX XXXX XXXX XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as XXXX with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any XXXX. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( Transunion, XXXX, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( Transunion, XXXX, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has yet to update my info on XXXX has yet to update my balance as {$0.00} as of XXXX. 

Equifax has wrong balances on several accounts Equifax has other information on my credit wrong that should not be on the credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: LEXISNEXIS
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: OneMain Finance Corporation
State: NJ

Complaint narrative:
I have an inquiry from one main financial and I dont have an open account with them. They need to immediately remove that inquiry from my report XXXX XXXX and XXXX. This is making my credit score look horrible. I need them to remove that from my credit report immediately. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: NV

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 non-monetary relief
Consumer complaint received 2024-10-06 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: NY

Complaint narrative:
Subject : Dispute of Fraudulent Account - XXXX XXXX, Account Number XXXX ** Dear Equifax Dispute Department , This letter is to formally dispute the fraudulent account appearing on my Equifax credit report, attributed to XXXX  XXXX XXXX account number XXXX. I assert that I did not openn this account, nor have I authorized anyone to do so on my behalf. This account is fraudulent and is negatively impacting my credit score. I have previiously attempted to resolve this matter directly with XXXX XXXX, but they have failed to acknowledge my dispute or cease reporting this inaccurate information to your agency. I have also filed an Identity Theft Report with the Federal Trade Commission ( FTC ) on XX/XX/year>XXXX  and have included a copy of the reprtr with this letter. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that Equifax conduct a thorough investigation into this matter and permanently delete this fraudulent account from my credit report. 

Attached are copies of the following documents as evidence supporting my claim : Copy of my FTC Identity Theft Report Correspondence with XXXX XXXX I expect a response to this dispute within 30 days, as rquired by the FCRA. Please provide written confirmation that the fraudulent account has been deleted from my Equifax credit report. Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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:
Recently i looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the items i am asking you to verify as accurate. 
Transunion XXXX XXXX  XXXX Transunion XXXX XXXX XXXX XXXX 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 non-monetary relief