vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: MI

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 2024-11-14 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: MI

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 explanation
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belongs to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-14 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: MS

Complaint narrative:
XXXX XXXX XXXX THIS IS NOT MY ACCOUNT.PLEASE REMOVE FROM MY CREDIT REPORT I have not supplied proof under the doctrine by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist

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 2024-11-14 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: TN

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-11-14 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:
I am filing a complaint regarding unauthorized inquiries on my credit report that were not removed despite a prior dispute letter submitted over 3 months ago and the submission of an FTC Identity Theft Report. These inquiries lack a permissible purpose under the FCRA, as no credit transactions, employment, insurance underwriting, legal orders, or other legitimate business needs exist to justify them. 
List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Since the creditors failed to provide verification, I formally request the immediate removal of these inquiries. Please confirm their deletion to ensure compliance with the FCRA.

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 2024-11-14 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: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have been calling into Capital One for the last 4-5 months now, trying to set up a payment plan, but each time I call, I keep getting told a higher & higher amt, that I can't afford to pay! They give me 1 option & that's it! I keep getting told different infl, every time I call in! I am now on XXXX, so my funds are very limited. I won't be returning to work, so the amt I can afford to pay per month, is not going to increase. I can only afford to pay {$250.00}, possibly $ XXXX month & that's it. I figured that they'd like to get some $ instead of none, but apparently not .... They aren't trying to work with me at all! Right now my acct is 3 months past due. Idk what else to do. They're the only acct left, that isn't willing to work out a payment plan with me. They say they have to go by their system & that they can't just set up s plan with me. I find that hard to believe. If I only get so much per month, I don't understand how they can except me to pay more. You can't get XXXX from a turnup! All over their website it says that they're willing to work with you, to set up a payment plan/hardship program, yet I've been trying and trying and trying, but they're not wanting to accept $ XXXX. They're wanting $ XXXX as of this morning. Everytime I check online or call in, the amt keeps going up. Idk what else to do? I find it hard to believe that I don't qualify for hardship program, where they lower interest rate or remove it completely & let me pay the set pmt of $ XXXX {$270.00} per month. I really want to get this taken care or, before my credit is completely destroyed! I would also like to avoid bankruptcy at all costs, but idk how, if they're not willing to settle with me. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: NH

Complaint narrative:
Closed my Chase credit card back in XX/XX/year>, paid off remaining balance, and yet, the company allowed an unauthorized charge on the closed credit card months after it was closed. Now it is charging me for something that shouldn't be allowed in the first place. Using a closed account to pay for something I did not authorize is not only unethical but also criminal. When you close a bank account they don't allow any further charges, why would a credit card be different? I removed any authorization from Chase to accept any more charges the day I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my request for securitization verification, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ), which requires a thorough investigation and the provision of documentation for verification.

Details of the Situation : Request for Securitization Verification : I submitted a request to TransUnion to verify the securitization status of an account listed on my credit report. My request was based on the need to confirm compliance with 15 U.S.C. 1681i ( a ) ( 5 ), which mandates that credit reporting agencies must provide documentation proving each transfer and ensure proper securitization of the debt.

TransUnions Response : TransUnion responded by verifying the account as accurate and meeting FCRA guidelines, but they did not provide any supporting documentation or records regarding the account 's securitization or the transfers that occurred. They failed to provide evidence proving each transfer and compliance with proper securitization protocols.

Failure to Comply with FCRA : Under 15 U.S.C. 1681i ( a ) ( 5 ), when a consumer disputes an item on their credit report, the credit reporting agency is required to " reinvestigate the disputed information '' and provide " all relevant information '' that substantiates the information being verified. By failing to provide the requested documentation on the securitization process and transfers of the debt, TransUnion did not properly investigate my dispute or provide the necessary evidence.

Securitization and Transfer Documentation : I specifically requested documentation that proves the securitization of the debt, along with records for each transfer of ownership, to ensure that all proper transfer protocols were followed. 15 U.S.C. 1681i ( a ) ( 5 ) requires that such documentation be provided when the consumer disputes the information, and TransUnion has failed to comply by not providing this information.

Impact : TransUnions failure to provide any documentation related to the securitization of the debt or the transfer of ownership of this account means that they have not fulfilled their obligations under the FCRA. This has left potentially inaccurate information on my credit report, which negatively impacts my creditworthiness and financial stability.

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 2024-11-14 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX. Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 explanation
Consumer complaint received 2024-11-14 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: NJ

Complaint narrative:
I have Filed a dispute in regards to the incorrect item on my credit report. Which in my dispute I stated the item ( NOT MINE ) : XXXX XXXX XXXX, Account # XXXX, Account # XXXX Date Opened : XXXX XXXX Amount : {$14000.00} Address : XXXX XXXX XXXX XXXX, SC XXXX Contact Number XXXX It has been well over 30 days, and I ask that this be removed from off my credit report. 

I also reached out to the company XXXX XXXX XXXX stating for them to remove this item, and that this is not my debt, and this is also fraud. The company sold this debt to another collection agency,, Which I received in the mail. 

I then reached out to all 3 Credit Bureaus, XXXX, TransUnion, and XXXX and mailed them all required documents : copy of identification, and social Security number. Stating that this Inaccurate information is NOT MINE. 

I also attached my identification incase you need for me to provide it. Along with my license that has my marriage last name on it XXXX XXXX XXXX, XXXX XXXX name is XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding the credit bureaus ' failure to remove accounts associated with XXXX XXXX from my credit report, even though XXXX XXXX has formally requested their removal. 

Details of the Situation : Account Information : The accounts in question are related to my XXXX XXXX XXXX XXXX, with account numbers ending in XXXX and XXXX. 

XXXX Request : On XX/XX/year>, I received a letter from XXXX XXXX  stating that they have submitted requests to the credit bureaus ( XXXX, XXXX, and Equifax ) to remove these accounts from my credit report. 

Failure to Remove Accounts : Despite this request, the accounts remain on my credit report, and the credit bureaus have not taken action to remove them as instructed by XXXX XXXX. 


Impact : The continued reporting of these accounts is negatively affecting my credit report and financial stability, despite the fact that the original creditor, XXXX XXXX, has requested their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Monarch Recovery Holdings, Inc.
State: OH

Complaint narrative:
I received a document in the mail stating that I owed this company a debt. I sent this company a letter back disputing this Debt and demanded that they cease communication with me regarding this Debt. This company continues to harass and send letters to my home address without my consent. Please help assist me in settling this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following address is listed on my Experian credit report and is inaccurate : XXXX XXXX XXXX, XXXX, GA 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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following address is listed on my Experian credit report and is inaccurate : XXXX XXXXXXXX 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 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I'm a victim of Identity Theft and XXXX  was made aware of this issue when card was provided. Every few months my bill reverts back to paperless billing. I'm positive this is happening as I get an email telling me my bill is ready and also emails stating bill is past due. I have been very transparent of this issue and problem, calling spending hours on the phone when bill not received and emails received. I have to conjole them to remove the late fee. They continually state it's the XXXX fault as they submitted bill for delivery. They have no clue that whether the bill was actual in that bulk, only it was supposedly printed. I would appreciate them stopping this false information, as when I receive emails, it show bill is paperless and not paper as agreed. 

I request they fix their computer program and cease and desist their Customer Service people from making statements placing blame on the XXXX, which is a false accusation. Their is no tracking mechanism on the bulk mail sent, nor actual verifying data that ensures my bill was in the lot they claim was sent. This presents false information to the public and also disintegrate the integrity of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Unauthorized inquiries appeared on my credit report this morning, catching me off guard. I checked for mistakes, refreshed the page, but the inquiries were still there. This situation has left me really frustrated, and I want the documents I sent to be checked with care so that I dont have to worry about these mistakes repeating.

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 2024-11-14 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: FL

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 non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I rented a XXXX seat passenger van which there was a {$300.00} hold authorized and the charge of {$220.00} on XX/XX/year> through XXXX in XXXX, XXXX. The van was supposed to be returned on the XXXX but due to my mother passing while on the trip, I had to extend the van for one more day. I returned the van and the Merchant closed out the contract on XX/XX/XXXX. However, the bank removec the {$520.00} hold that was on it where I could not see but they could see it. I went into the bank on the XXXX and the teller had to call the back office because he could not see that the {$520.00} was authorized succesfully. The bank informed me that it will take a couple of days for the final {$280.00}. XXXX to post which included the extra day for {$56.00} and the {$300.00} would be returned to me. It was not until this morning the XXXX the {$280.00} posted but the bank did not remove the final {$56.00} and did not retune my {$300.00} back to my account. I went to bed with the same amount that I woke up to. I even had XXXX Billing Department on the line and the woman informed the customer service rep from Truist Bank that the reversal of the {$300.00} was done and she provided the authorization # of XXXX. The bank refuses to return my {$300.00} dollars which is theft. I paid all together {$580.00} and want my {$300.00} hold back from this amount the bank is refusing to pay me.

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