vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I reviewed various credit card offers and decided to open a Venture X Business Card with Capital One, principally based on their claim that this card had " No Pre-Set Spending Limit ''. My intention was to use this card to pay my upcoming income taxes, both for an extension and for quarterly estimated taxes. When I called the bank to inform them of my intentions, to avoid any problems with a large tax payment, I was informed that there was indeed a spending limit on my card and that I would not be able to utilize this credit card as intended. The bank claimes that the 'limit ' would automatically adjust based on my spending patterns and that, eventually, I might be able to make such a large charge. Until then, I was encouraged to make multiple smaller charges and to pay the bill as soon as possible, even to make multiple payments within a 30 day period to escalate the spending limit approval process. 

Conclusion - there is a preset limit that the bank will internally adjust over time. 

My complaint is that they repeatedly advertised this card as having " no pre-set spending limit '' https : //www.capitalone.com/learn-grow/business-resources/venture-x-business-benefits/ and https : XXXX for XXXX examples. when that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase has not followed the laws in investigating this. I reported in XXXX of XXXX have not received any documentation in writing as of XX/XX/XXXX. I was provided no documentation of their findings, nothing was done in the required law time frame, they reported to the credit agency late fees during investigation, the interest rates they put back on my card are incorrect and these are just the laws I know of. In XXXX of XXXX, I received several fraud alert texts from my credit card company. I reached out to Chase Credit card and start the disputes. I asked since it was so much and for multiple months did I need to file a police report or what else should I do. I was told by Chase " rest assure Chase will remove these charges. '' In XXXX of XXXX, all the fraudulent charges that were in person were put back on my card by Chase, stating I am responsible due to the chip being used. Basically, Chase picks and chooses what is fraud. The card was lost/stolen so of course the chip would be used, and the information they received stating chip is used could EMV cloning, shimmer or EMV bypass cloning. Mind you my other credit card company had no problem reversing these charges for the same stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: CA

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-03-26 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: CA

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: AR

Complaint narrative:
Reporting agencies Transunion, XXXX and XXXX are in violation of the FCRA act. I have damages from this violation of them reporting information on my credit report from identity theft. According to the Fair Credit Reporting Act ( FCRA ) Section XXXX It is illegal to report information on my credit report without my permission. Please remove the following accounts and inquiries that i did not authorize from my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts and inquires. I have already submitted a copy of my FTC Report and Police report to all 3 Bureaus numerous times and nothing is being done.

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 2024-03-26 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: AR

Complaint narrative:
Reporting agencies XXXX, XXXX and Experian are in violation of the FCRA act. I have damages from this violation of them reporting information on my credit report from identity theft. According to the Fair Credit Reporting Act ( FCRA ) Section 605B It is illegal to report information on my credit report without my permission. Please remove the following accounts and inquiries that i did not authorize from my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts and inquires. I have already submitted a copy of my FTC Report and Police report to all 3 Bureaus numerous times and nothing is being done.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I was just looking over my credit report on XX/XX/2024 and found some addresses that appear to be incorrect. And according to the fair credit reporting act 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. 
Equifax continue to report my address incorrect on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: FL

Complaint narrative:
Consumer has received MULTIPLE REQUESTS from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has sent XXXX XXXX debt verification/ validation request, which was received per consumer mail sent via XXXX XXXX XXXX Which was received XX/XX/2024 at XXXX sent via certified mail with return receipt. XXXX XXXX has as of XX/XX/2024 failed to respond to consumer debt verification/validation request which was received. All communications by consumer are recorded/tracked for cobsumers quality and legal purposes. Consumer has received several emails from XXXX at XXXX technologies regarding said debt. See attached picture with multiple dates of emails sent by XXXX XXXX on an unvalidated debt. 

XXXX has violated FDCPA practices and continues to harass consumer regarding debt by sending automated email. Supposed debt collector continues to attempt to collect a debt on behalf of XXXX XXXX XXXX collections, per XXXX XXXX  collection statutes debt collector is not licensed to collect debt in the state of Florida and XXXX has also failed to respond to consumers request to verify XXXX is licensed and can verify they legally own said debt in the state of Florida. XXXX is asking for cease and desist on said debt until XXXX per Florida statue XXXX XXXX can prove they legally own debt. XXXX has also failed to provide name and address of Registered agent for service of process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: LCI Acquisition Inc.
State: NY

Complaint narrative:
This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and Clarity have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain 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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX credit card - Opened on - XXXX Late Payment - XXXX Still reporting as 30 day late, derogatory reports are supposed to fall off after 7 years, having trouble disputing this.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX credit card - Opened on - XXXX Late Payment - XXXX Still reporting as 30 day late, derogatory reports are supposed to fall off after 7 years, having trouble disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX credit card - Opened on - XXXX Late Payment - XXXX Still reporting as 30 day late, derogatory reports are supposed to fall off after 7 years, having trouble disputing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: Altisource Portfolio Solutions, S.à r.l.
State: GA

Complaint narrative:
Hi, On XX/XX/XXXX, ALTISOURCE/LENDERSONE pulled my credit without my consent. 

They marketed preapproval to see if I could get a Heloc loan service and stated the inquiry would be a soft pull to see if I would be qualitied. To my surprised this is reporting on my credit. I never continue with the program because of the rate and the cost amount requirement. I never authorized for my credit to be pulled, they told me just soft pull for qualification. I never did the program service with them. This incorrect reporting is sitting on my credit and hurting my credit for other financial service for me and my family. 

ALTISOURCE/LENDERSONE/ Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Mortgage Reporters Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I trying to get a no credit report an my bank isnt able to do so and when I try to call the brureaeau Im unable too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: VA

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NH

Complaint narrative:
On XX/XX/year> I received an email stating a XXXX XXXX  credit card debt of {$1500.00}. I mistakenly went through the process of setting up automatic payments in the amount of {$120.00} for the past three months, this money has come out of my account to my own ignorance. I checked my own XXXX XXXX  credit card there was no evidence that those XXXXhree months of payments had been taken out of my debt owed. I called the company trueaccord to try and resolve this issue I gave them the account number that was in the email that they sent me. They realized their mistake took my card off file so it would not charge anymore payments but they are reluctant to refund my money that they took to pay this other persons debt I have asked for hardcopy information of all the transactions they are refusing to give me any hard evidence or paperwork on this matter I tried going to the XXXX XXXX XXXX They are not a part of that association. My bank is refusing to refund the money as well, stating since I set up payments unknowingly that it is up to true accord to refund the money which they are refusing to do as well. I am stuck without knowing what to do at the moment over {$300.00} of my money gone. My bank XXXX XXXX XXXX XXXX like I said is also refusing to refund the money. It seems like no one wants to own up to the mistake that was made costing me over {$300.00}.

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 2024-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 


XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) ACCORDING TO THE FCRA IT IS A VIOLATION. 

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. XXXX PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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