vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/1991 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NE

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 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 months that are reported late 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: NE

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 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 months that are reported late 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 2024-07-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have a CC with an ultra high limit that had not been used in years. One day I made a purchase at the gas station to fill up before a journey across the USA. An hour later I received text messages telling me my account was over the limit. 

I immediately looked at my banking records and confirmed that my card had been skimmed at the gas station based on all the charges all over the place. I immediately called USAA to haltcard and dispute charges. 

Fast forward 2 weeks I get notice from XXXX that my USAA card was over the limit. I immediately called USAA again to ask what is happening : 1. USAA did not put a security hold on my card from 2 weeks earlier as it should have done 2. USAA had made no progress investigating the skimmed card and disputed charges. They claimed not to have a record. 
3. Only after this follow up call 2 weeks later did USAA cancel and block the card. 
3. Now my credit ratio is being dinged and USAA is expecting me to pay for a card that was stolen/skimmed, and used by criminals to exceed the credit limit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I had a capital one credit card from XXXX - XXXX, I was never notified of privacy breech in XXXX, My entire online identity has been destroyed. My emails are hacked, sites redirect, etc. I froze my credit card and disputed charges in XXXX, still unaware of the breech. I got a payment arrangement when I was having financial difficultly making the payments. Capital one continued to charge over 20 % interest despite my requests for it to lowered. I reported my financial difficulties due to covid. I work in health care as a nurse practitioner and my patient load was reduced by XXXX due to covid deaths. And my pay was cut due to this. Now capital one na has charged off my debt and they have a law suit against me. I honestly do not think this is right, considering they violated my privacy. I did call capital one a few months ago and they confirmed I was affected by the data breach but time had lapsed to be part of the settlement. I have spent hours, days, nights trying to get my online identitiy secure, which it is still not. I paid this credit card diligently for over 7 years, had my privacy breeched by them, and now am being sued by them. I feel like the debt should be waived considering the situation, especially with suspicious charges on my account in which I alerted them, but was never told about the breech. On my credit report the payment amounts I made are not noted either and after charging off my account the balance went up a few XXXX dollars, not sure how that could happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: KS

Complaint narrative:
Attn : Experian Fraud Dispute Resolution XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Fraudulent Accounts Dispute To Whom It May Concern, I, XXXX XXXX, do hereby state that the following accounts/creditors reporting on my credit report are fraudulent and were never obtained by me or with my consent : 1. XXXX XXXX : Good Standing - Reason : Fraud - Not my account - Account # : XXXX - Amount : {$5500.00} / {$8900.00} - Date : XX/XX/XXXX - Type : Personal Card 2. XXXX XXXX : Good Standing - Reason : Fraud - Not my account - Account # : XXXX - Amount : {$5000.00} / {$7500.00} - Date : XX/XX/XXXX - Type : Business Card I am attaching copies of the following documents for your reference : - Current FTC Identity Theft complaint - XXXX XXXX letter explaining I was a fraud victim - Letter associated with a previous mailing address from the XXXX data breach On XX/XX/XXXX, I spoke with an Experian representative who suggested that my current FTC complaint would assure the deletion and blockage of these creditors. 

Please remove and delete these accounts and all inquiries associated with this company, as I never authorized them to obtain or use my personal information. 

Additionally, my mailing address, phone number, and email are incorrect and should be updated by Experian to the following : Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX Email : XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Include : XXXX XXXX - notarized copy Update : Address & Number

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 2024-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/XXXX, LVNV, which is also Resurgents Capital Services continue to lie and say I still owe money. The agreement was XXXX and I paid XXXX. I've stated why. it was paid on the XXXX. However, it doesn't matter the reason, but payment was accepted. Even though payment was accepted by Resurgents, you are still claiming I owe you money on this over the statue of limitations account. This, is called illegal collection practices, lying to consumers and illegally reporting incorrect information across my credit reports. 
I've tried and now I will be sending my documents to an attorney and the State Attorney 's Office because this is not right. So, if you think this case is closed, it's NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 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 investigation; 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 non-monetary relief
Consumer complaint received 2024-07-11 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 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 investigation; 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 2024-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year> I was charged for a hotel room that I didnt stay in nor did I authorize my card to hold the room once I contacted the hotel third party the informed me that I will be getting a refund the 4td party gave me a partial refund. So I called my bank and told them what happened the still allowed the charge to go through. My Bank ( Nfcu ) gave me a temporary credit then withdrew the funds back. I was charged {$2800.00} dollars and only received {$1800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NV

Complaint narrative:
I have diligently followed all the necessary procedures in disputing the accounts. I've contacted the company, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Transunion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite my previous claim to Transunion, I remain stuck. They are alleging that the documents I've provided are inadequate. It appears Transunion is failing to fulfill its legal obligation to process the identity theft report eventhough the company already removed the account from the other bureaus. 

XXXX XXXXXXXX XXXX XXXXXXXX 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-07-11 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: NY

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-07-11 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: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
XX/XX/XXXX Subject : Fraudulent Accounts Dispute To Whom It May Concern, I, XXXX XXXX, do hereby state that the following accounts/creditors reporting on my credit report are fraudulent and were never obtained by me or with my consent : 1. American Express : Good Standing - Reason : Fraud - Not my account - Account # : XXXX - Amount : {$5500.00} / {$8900.00} - Date : XX/XX/XXXX - Type : Personal Card 2. American Express : Good Standing - Reason : Fraud - Not my account - Account # : XXXX - Amount : {$5000.00} / {$7500.00} - Date : XX/XX/XXXX - Type : Business Card I am attaching copies of the following documents for your reference : - Current FTC Identity Theft complaint - XXXX XXXX letter explaining I was a fraud victim - Letter associated with a previous mailing address from the XXXX data breach On XX/XX/XXXX, I spoke with an XXXX representative who suggested that my current FTC complaint would assure the deletion and blockage of these creditors. 

Any identification or corospondence on these accounts was unauthorized and done without my knowledge or consent. 

Additionally, my mailing address, phone number, and email are incorrect and should be updated by XXXX to the following : Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone Number : XXXX Email : XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
XX/XX/XXXX Subject : Fraudulent Accounts Dispute To Whom It May Concern, I, XXXX XXXX, do hereby state that the following accounts/creditors reporting on my credit report are fraudulent and were never obtained by me or with my consent : 1. American Express : Good Standing - Reason : Fraud - Not my account - Account # : XXXX - Amount : {$5500.00} / {$8900.00} - Date : XX/XX/XXXX - Type : Personal Card 2. American Express : Good Standing - Reason : Fraud - Not my account - Account # : XXXX - Amount : {$5000.00} / {$7500.00} - Date : XX/XX/XXXX - Type : Business Card I am attaching copies of the following documents for your reference : - Current FTC Identity Theft complaint - XXXX XXXX letter explaining I was a fraud victim - Letter associated with a previous mailing address from the XXXX data breach On XX/XX/XXXX, I spoke with an XXXX representative who suggested that my current FTC complaint would assure the deletion and blockage of these creditors. 

Any identification or corospondence on these accounts was unauthorized and done without my knowledge or consent. 

Additionally, my mailing address, phone number, and email are incorrect and should be updated by XXXX to the following : Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone Number : XXXX Email : XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXXXXXX unilaterally closed my checking account. The bank explained that it has such a right according to the agreement. 
In XX/XX/XXXX, XXXX XXXX  closed my checking account in the same way. In both cases, the banks did not ask me about any suspicious transactions and did not ask me any questions. 

In XX/XX/XXXX, I tried to open accounts with the following banks : XXXX XXXX, XXXX, XXXX. And I got rejected everywhere. I assume that there is negative information about me somewhere. But I do not know what kind of information it is. 

I am deeply convinced that I have never engaged in any criminal activity or participated in questionable operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have reached out to the company and tell them that my identity was stolen, and some of the charges are not mine They sent me a paper from the magistrate court of XXXX XXXX Georgia. I have reached out to a credit agency to help me fix my credit which is credit saint and they still havent removed it off my credit I was port of a data breach.

Company response to consumer: Closed with explanation