vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 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: CA

Complaint narrative:
I AM WRITING IN REGARDS TO THE INACCURATE INVALIDATED ACCOUNTS REPORTING TO MY CONSUMER REPORT, I HAVE SENT DISPUTES IN THE MATTER BUT THE CREDIT BUREAU IN QUESTION DIDNT EVEN NOTIFY ME THAT THEY RECIEVED MY DISPUTES XXXX SENT THEM CERTIFIED IN WHICH THEY DEFINITLY RECIEVED THEM. UNDER 15 USC 1681i ( 5 ) REMOVAL OF INACCURATE INVALIDATED CREDIT INFORMATION ALSO THIS INFORMATION NEEDS TO BE REMOVED UNDER 15 USC 1681e ( b ) COMPLIANCE PROCEDURES MAXIMUM POSSIBLE ACCURACY.

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 2024-10-30 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: FL

Complaint narrative:
Please see attachments. Credit card statement attached solely for proof of identity only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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:
Please see attachments. Credit card statement attached solely for proof of identity only.

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 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint against Capital One regarding their handling of fraudulent charges and inadequate customer service. 

Details of the Complaint : Multiple Fraud Reports : I have submitted two fraud reports regarding unauthorized charges, but Capital One has not resolved these issues adequately. 
Failure to Ship New Card Number XXXX : After requesting a new card due to fraud, I was informed that it would not be shipped because my account was allegedly in the negative, which it was not. 
Unjust Charges for Expedited Shipping : I was charged {$16.00} for expedited shipping of a second card, even though the first card was still not sent out. It is unreasonable to charge for shipping related to fraud ; this should be covered by the bank. 
Phantom Charge : There is an unexplained charge on my account with no details provided, which remains unresolved. 
Negative Impact on Credit : These unresolved issues have negatively impacted my credit score, causing a one-point drop per bureau, despite my history of never missing a payment.

Unhelpful Customer Service : A supervisor I spoke with refused to adequately address my concerns and did not assist in resolving the situation. 
Advice to Not Pay the Bill : I was advised to simply not pay my Capital One bill, which is unacceptable and could further damage my credit. 
I have always managed my accounts responsibly, and I am frustrated by the lack of support and resolution from Capital One. 

I request your assistance in ensuring that Capital One addresses these issues and provides a satisfactory resolution. 

Thank you for your attention to this complaint. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have been struggling with my financial institution since I opened my account. I have been through several Debit cards that I have reported stolen or lost per the latest telephone conversation I had with finally a knowledgeable account representative who had answers to every question. He is the one who noticed and brought to my attention that I had Five ( 5 ) open and working debit cards that were reported lost or stolen. I am on XXXX I get XXXX deposit a month that pays my rent I dont get assistance I pay my full rent and all my utilities my food. I have nothing left at the end of every month. ALSO AT THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX a bank rep called me a liar to my face because I was disputing charges that were not mine. This bank PNC has caused me more XXXX XXXX issues ( XXXX XXXX XXXX  their actions towards me are completely unexceptionable. After being treated so poorly like I had no credibility at all I just find out they never closed the cards I reported missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I request that you investigate and remove these XXXX fraudulent inquiries from my credit reports immediately. I also request that you provide my written signature and my authorization. Find my signature, I also request that you provide me with all relevant documentation related to these. Under 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I didn't givXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX permission to go into my credit reports so my privacy has been violated under The Privacy Act of 1974 The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. List of inquiries that needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-30 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: MD

Complaint narrative:
I request that you investigate and remove these XXXX fraudulent inquiries from my credit reports immediately. I also request that you provide my written signature and my authorization. Find my signature, I also request that you provide me with all relevant documentation related to these. Under 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I didn't give XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX permission to go into my credit reports so my privacy has been violated under The Privacy Act of 1974 The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. List of inquiries that needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2024-10-30 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: WI

Complaint narrative:
Reinvestigation Report Notice ... .This is in concern of XXXX XXXX XXXX XXXX account number XXXX. I'm requesting a reinvestigation under 15 USC 1681 accuracy and fairness. Before any information is inserted to my consumer report it must be accurate and fair information reporting. I'm aware of my rights and I know according to the FCRA I have the right to challenge anything and everything I'm unsure of. I'm demanding that you reinvestigate this account A.S.A.P. As this has put mental stress and physically pain upon me. If you can not provide me with the proof of the reinvestigation with : 1 ) ledger of the account, 2 ) account transaction history 3 ) the original contract 4 ) and contract with signature from me with XXXX XXXX XXXX, this account must be deleted and removed according to 15 USC 1681i ( 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 explanation
Consumer complaint received 2024-10-30 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: NY

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.

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 2024-10-30 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Date : XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX RE : Dispute and Request for Validation of Alleged Debt Account Number Ending in XXXX Original Creditor : XXXXXXXX XXXX XXXX 

To Whom It May Concern, I am writing to dispute the validity of the alleged debt you claim I owe, related to an account with Capital One N.A. and identified by account number ending in 5840. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), I am requesting that you provide sufficient evidence to validate this debt, as well as detailed information substantiating your right to collect it in the state of Pennsylvania.

To validate this alleged debt, please send the following information : Original Contract or Purchase Agreement : A copy of the original contract, agreement, or purchase documentation from XXXX XXXX XXXX. that created this alleged debt. 

Proof of Chain of Ownership and Assignment : Documentation verifying the complete chain of ownership, including proof of assignment for each transfer of this debt from the original creditor to Portfolio Recovery Associates.

Full Accounting History : A complete accounting record from the original creditor, detailing the date, amount, and application of each payment, fees, and charges. Please include the date of the first delinquency and any relevant payment history leading to the collection.

Proof of Collection Authority in Pennsylvania : Verification of your legal authority to collect debts in Pennsylvania, including a copy of your third-party debt collection bond, as required by Pennsylvania law .

Proof of Compliance with Required Notices : Evidence that you sent the legally required debt validation and collection notices to me prior to reporting this alleged debt to any consumer reporting agencies.

Until these materials are provided, I request that all collection efforts cease, including any reporting of this debt to consumer reporting agencies. Reporting unvalidated debts can constitute a violation of 15 U.S. Code 1692e, which prohibits misrepresentation in debt collection.

If you are unable to provide all requested documentation, please immediately remove this account from my credit reports and cease any further collection efforts. 

Thank you for your prompt attention to this matter. I look forward to receiving your complete response in writing within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: CA

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 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 2024-10-30 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: CA

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 explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reliant Capital Solutions, LLC
State: CA

Complaint narrative:
Debt Showed up on my credit report from " RELIANT CAPITAL SOLUTIONS , LLC '' RE : a debt of XXXX that is owed to " XXXX XXXX XXXX XXXX  '' located in XXXX XXXX, Nevada. 
I have never lived, or visited Nevada in my life. I have never been to or enrolled in a school by the name given. 
I have always lived in California. I have worked in California at the same location for over 10 years at a place of employment that requires i be here in person. I could never have gone or lived in XXXX and continued to be employed here in California. 

I called the creditor on XX/XX/XXXX. They were able to tell me the account was open in XXXX of XXXX and on XX/XX/XXXX went to collections. They were not able to give me any other information as they could not verify i was indeed who i said i was. 

I spoke with XXXX and this account does show up on their end but again, never lived or been to XXXX XXXX. Never enrolled in the school mentioned. The debt is not mine. They opened a dispute and suggested i contact both CFPB and FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: VA

Complaint narrative:
I recently looked at my credit report and saw some billing inaccuracies. These late payments are not reflective of my typical payment behavior. Please rectify these errors and update my account. Thank you!

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX This Credit Bureau Subject : Request to Place a Security Freeze on Credit File Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file immediately. Due to recent concerns, I believe that placing this freeze is the best way to protect my credit profile and prevent any unauthorized access to my personal information. 
Please find my personal information below to facilitate this request : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX Date of Birth : XX/XX/XXXX Additionally, I am enclosing a copy of my identification ( such as a drivers license or passport ) and proof of address ( like a utility bill or bank statement ) as per your requirements for identity verification. 
Please confirm once the freeze is in place or let me know if any additional information is needed. 
Thank you for your assistance and prompt attention to this matter. 
Sincerely, .. ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Unauthorized transaction occurred on XX/XX/year>. My account was hacked and {$350.00} was transferred to another account which I dont know the person. The transaction appears to be sent by me so the company doesnt want to credit my money back. I have had 2 dispute claims so far and both have been denied. Customer service / supervisor was no help and couldnt even give me a number to the fraud department saying that department doesnt have a phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: CA

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation