vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Details of the Problem : On the night of XX/XX/year>, I made a purchase on the website XXXX XXXX XXXX. The site turned out to be fraudulent, and my credit card details were stolen. The next morning, I received an email from my bank about suspicious activity, with two attempted charges of {$1000.00} and {$990.00}. I reported that these charges were not authorized by me and blocked my card immediately. 

Upon reviewing my statement, I discovered two successful transactions made by the fraudsters that night : one for {$180.00} and another for {$970.00}. I contacted the bank to dispute these charges, and an investigation was initiated. The bank informed me that the {$180.00} would be refunded but the {$970.00} would not be refunded because the bank determined that this payment was made by me. I received the investigation report and found at least 12 discrepancies and errors, indicating extreme carelessness in reviewing the materials. 

One significant error was the inclusion of a fake rental agreement in the investigation report. To prove this, I am attaching a copy of my original rental agreement. 

I wrote a letter to the bank detailing these errors and sent it to the address provided in the investigation report. It has been two months, and I have not received any response. I am now left unprotected, and I am currently paying off the debt on my credit card while the fraudsters are enjoying my money. 

Actions Taken : Contacted the bank and reported the fraudulent transactions Received a partial refund of {$180.00} Sent a detailed letter to the bank highlighting errors in the investigation report ( no response received for two months ) Requested Resolution : I request that the bank reopens the investigation into the {$970.00} transaction and considers the discrepancies I have pointed out. I believe the bank can correct this situation and ensure that I am not held responsible for fraudulent activity. I seek a prompt resolution and a refund of the {$970.00}. 

Supporting Documents : Copies of emails from the bank about suspicious activity My letter to the bank detailing investigation errors The investigation report from the bank Credit card statements showing the disputed transactions A copy of my original rental agreement, proving the document in the bank 's report is fake Thank you for your immediate attention to 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 monetary relief
Consumer complaint received 2024-06-03 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: PA

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 2024-06-03 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: MD

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-03 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against XXXX in regards to account for repeatedly sharing inaccurate information with credit agencies, despite numerous attempts on my part to rectify this issue. Pursuant to 15 USC 6801- 6805 and the Privacy Act of 1974, I have explicitly exercised my right to opt out of the sharing of my personal and confidential information with credit agencies. 

Despite my clear instructions, XXXX has continued to furnish incorrect information to credit agencies, resulting in significant inconvenience, financial losses, and wasted time on my part. As a consumer, I have the right to ensure the accuracy of information contained within my credit report, as outlined in 15 USC 1681. 

I have made multiple efforts to address this matter directly with, to no avail. Therefore, am now seeking intervention from the Consumer Financial Protection Bureau to resolve this issue effectively. I request that XXXX be prohibited from reporting any further information and to delete all currently furnished information to credit agencies without my explicit written consent. 

I have enclosed copies of all relevant correspondence and documentation supporting my complaint for your review and investigation. I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights as a federally protected consumer. 

Thank you for your assistance in this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
I have had XXXX XXXX XXXX XXXX XXXX I was almost 2 months past due. I called and I was told I can get a deferment as long as I made my XXXX payment. I asked my family to help me we gathered XXXX dollars made the payment. I call XX/XX/XXXX to deferred my XXXX payment. I am not being told I cant this doesnt help me now as I Owe my family money. My checks wont start flowing until the end of of then month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Complaint Regarding Unauthorized Inquiries on Consumer Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized inquiries placed on my consumer report by credit bureaus, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to rectify this issue through other channels, I have yet to receive a satisfactory resolution, prompting me to seek your assistance in addressing this matter. 
On XX/XX/year>, I lodged a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  regarding the unauthorized inquiries on my consumer report. However, to date, I have not received any correspondence or resolution from the credit bureaus in response to my complaint. 
According to the FCRA, credit bureaus are required to have a permissible purpose for accessing consumer reports. Permissible purposes include, but are not limited to, a firm offer of credit, insurance, employment application, or court order. I have thoroughly reviewed my financial records and have found no evidence of any such permissible purpose for the inquiries made on my consumer report. 
Therefore, I am requesting that the Consumer Financial Protection Bureau intervene in this matter and investigate the unauthorized inquiries placed on my consumer report by the credit bureaus. I kindly ask that you review the documentation provided by the credit bureaus to verify whether a permissible purpose was indeed established for these inquiries. If such documentation exists, I urge you to provide it to me for my review. 
Furthermore, I request that appropriate action be taken to ensure that the credit bureaus comply with the FCRA and cease any unauthorized inquiries on my consumer report. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take the necessary steps to resolve it promptly.

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 2024-06-03 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: 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 non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-06-03 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: FL

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-06-03 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: DE

Complaint narrative:
XXXX / XXXX has been updating inaccurate account information to the 3 credit bureaus for years. I have not had any accounts with this company, they have reported 2 duplicate accounts on my report, when I notified them they advised the accounts were inaccurate and they would remove them from the credit report. They did not, I contacted all three credit bureaus and they refused to remove the information. They were not willing to send verification of these accounts to me and they advised me to contact the creditor. Please look into this and remove the 2 inaccurate accounts from all three credit bureaus 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 2024-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I had several Data Breaches through Capital One, XXXX, XXXX, And XXXX  that I know of so Far. I just found out by pulling my credit and saw my score dropped over XXXX Point 's. I requested information also through Capital one and they never sent me any notification which was court ordered as well as they raised credit limits without letting me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!! 


Kohls capital one states I owe {$460.00} This is illegal for these companies to report this information as it doesnt meet the minimum standards for reporting as it is inaccurate, and no proof has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: U.S. BANCORP
State: TX

Complaint narrative:
US bank has reported that on XXXX different instances the first is an account that was opened on XX/XX/XXXX that was charged off and closed by the grantor. The next instance on the credit reopt is the same account listed as opened on XX/XX/XXXX. There are XXXX different reporting agency on the report. The date report on on these account started XX/XX/XXXX. 

All of the of the information on the account is not accuarte and is fradulant.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I paid my capital one loan off on time, in full and a year prior to the maturity date. I recieved a loan payoff letter in XX/XX/year>. I then received a charge off letter from capital one in XX/XX/year> saying I had a balance due of {$300.00} some dollars.. I called capital one and quickly paid this despite the error on their side telling me about this month 's later and then not offering me the timely option to pay it. Capital one then reported to my credit that this was a charge off and still reports the account as having a balance. The charge off status is completely wrong as I paid this in full and on time. They blame the problem on an accounting error between my previous bank and there own but have never fixed the status on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
A collection was reported to my credit report on XXXX for the ( Amount ) of {$930.00} that Im not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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 ex used my social security number and electronic signature for her students loans without my knowledge or consent. I found out during our divorce proceedings while reviewing the financials that there were student loans that were on my account that were not mine. I reached out to the fraud department at the student loan company and they said there is no proof I didn't electronically sign this loan for a co-signer. I don't understand how they can allow electronic signatures for something like this ( $ XXXX ) without validating the individual applying to be a co-signer. I never received a call, email or anything confirming I agreed to be a co-signer. Now the loans are being defaulted an reported. I don't know what my options are. I've written so many letters, talked to a detective for identity theft and nothing went anywhere. I need help

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 2024-06-03 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( XXXX ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-06-03 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: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-06-03 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 OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS. 

ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. 

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. 

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )

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