vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: EQUIFAX, INC.
State: TX

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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: ID

Complaint narrative:
On XX/XX/year> I initiated a transfer of funds from my XXXX XXXX account to my XXXX account. The amount transfered was {$36000.00} and XXXX attempted to withdraw the funds twice which resulted in the XXXX XXXX account being over drawn. As such XXXX returend one of the transfers for {$36000.00} but the original transfer of {$36000.00} was never returned to my XXXX XXXX account and it never showed up in my XXXX account. XXXX claims that the funds have been returned but XXXX XXXX claims they never recieved the original funds back. I am out {$36000.00} and both banks are telling me to file a claim with the other bank as its not their 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 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-11-12 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: AZ

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-12 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: AZ

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I used my American Express card to book reservation on XXXX on their website. I booked XXXX reservation for stay at XXXX XXXX and XXXX XXXX. 

Reservations were pre-paid with specific rate. 

After stay, I got surprise bill with more than XXXX the original charge. I reached out to American Express, provided the original reservation and asked for refund. 

American Express provided some documents from the merchant that is not readable and some invoices that I have not seen before and have not authorized. 

They closed the disutes in favor of the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: MO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-12 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: KY

Complaint narrative:
I am disputing several items on my credit reports, as I believe they are the result of identity theft. Fraudulent accounts were opened in my name with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX totaling over {$XXXX}. These accounts, along with associated inquiries from XXXX XXXX, XXXX XXXX, and XXXX, were opened without my knowledge or consent, impacting my credit score. The earliest fraudulent account dates back to XX/XX/XXXX, and I discovered these items in XX/XX/XXXX. I have filed an FTC Identity Theft Affidavit ( Report XXXX. XXXX ) and request removal of these items from my reports with all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: KY

Complaint narrative:
I am disputing several items on my credit reports, as I believe they are the result of identity theft. Fraudulent accounts were opened in my name with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX totaling over {$XXXX}. These accounts, along with associated inquiries from XXXX XXXX, XXXXXXXX XXXX, and XXXX, were opened without my knowledge or consent, impacting my XXXX XXXX. The earliest fraudulent account dates back to XX/XX/XXXX, and I discovered these items in XX/XX/XXXX. I have filed an FTC Identity Theft Affidavit ( Report XXXX. XXXX ) and request removal of these items from my reports with all three 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 explanation
Consumer complaint received 2024-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Closed accounts charged off should not be on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX XXXX over charged my accounts in overdraft and than closed my account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
Each of these companies reported a charged off on my credit report since the respective dates shown below, however, they have each failed to provide me with a XXXX for my own filing. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date account closed : XX/XX/XXXX. 
XXXX owed = {$XXXX} Actions taken by the company : They continue to report it every month of my credit report. They last verified it on XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date account closed : XX/XX/XXXX. 
XXXX owed = {$XXXX} Actions taken by the company : They continue to report it every month on my credit report. They last verified it on XX/XX/XXXX. 

The XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX Date account closed : XX/XX/XXXX. 
XXXX owed = {$XXXX} Actions taken by the company : They continue to report it every month on my credit report which was verified on XX/XX/XXXX. Even though it was last verified since XXXX, it continue to show 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 2024-11-12 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: TX

Complaint narrative:
Each of these companies reported a charged off on my credit report since the respective dates shown below, however, they have each failed to provide me with a 1099C for my own filing. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date account closed : XX/XX/XXXX. 
Balance owed = {$1400.00} Actions taken by the company : They continue to report it every month of my credit report. They last verified it on XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX Date account closed : XX/XX/XXXX. 
Balance owed = {$290.00} Actions taken by the company : They continue to report it every month on my credit report. They last verified it on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX Date account closed : XX/XX/XXXX. 
XXXX owed = {$0.00} Actions taken by the company : They continue to report it every month on my credit report which was verified on XX/XX/XXXX. Even though it was last verified since XXXX, it continue to show on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Each of these companies reported a charged off on my credit report since the respective dates shown below, however, they have each failed to provide me with a 1099C for my own filing. 


XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date account closed : XX/XX/XXXX. 
Balance owed = {$1400.00} Actions taken by the company : They continue to report it every month of my credit report. They last verified it on XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX Date account closed : XX/XX/XXXX. 
Balance owed = {$290.00} Actions taken by the company : They continue to report it every month on my credit report. They last verified it on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX Date account closed : XX/XX/XXXX. 
Balance owed = {$0.00} Actions taken by the company : They continue to report it every month on my credit report which was verified on XX/XX/XXXX. Even though it was last verified since XXXX, it continue to show 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 explanation
Consumer complaint received 2024-11-12 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: MD

Complaint narrative:
XX/XX/year> Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I wrote a paper check to Lowe 's to pay our credit card bill. Later, XXXX debited our checking account twice because Lowe 's had submitted the payment twice. But our credit card account was not credited twice. All the Lowe 's representative would say was that they only received one payment. I have documents from XXXX showing the payments were made to a XXXX XXXX account. The representative said they were Synchrony Bank.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In early XXXX, I opted into an Amex Offer for spend {$450.00} with XXXX, get {$90.00} back. I read the terms and conditions, and I made sure to make a purchase directly on XXXX 's website and app. On XX/XX/XXXX, I made three purchases directly with XXXX that were well over {$450.00}. For one of those purchases, I used XXXX XXXX to make the purchase, not thinking anything of it. Two weeks ago, I called Amex and they told me that it will just take time to receive the reward, but I will get it. When I called again today ( XX/XX/XXXX ), they let me know I am not eligible for the reward because I did not make a purchase directly with XXXX since I used XXXX XXXX. They read me the Terms & Conditions, and there is one small line in there that says " through third parties. '' I had no idea that using XXXX XXXX is making a purchase through a third party since I was making it directly on their website. Additionally, on their website, they explicitly say regarding XXXX XXXX : " Yes, you receive all of the same rewards, security, and benefits of your American Express Card when you use it with XXXX XXXX '' ( Link here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). All the representative was able to keep repeating was that this one Amex offer had different requirements. Not only is this completely deceiving but it is also not acceptable to expect laypeople to know that making a purchase using XXXX XXXX directly with a merchant is a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with (, XXXX XXXX ) 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 in 30 - 60 DAYS to be removed. 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. 

( XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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