vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, I booked a XXXX XXXX XXXX XXXX XXXX  for a friend and I for Saturday XX/XX/year> with a CapitalOne credit card. After discussing the cruise with my friend, we realized she had a conflict. On XXXX XXXX website, it stated to call them regarding changes to the reservation. Within 24 hours or less of the booking, I called XXXX to switch the date of the cruise by one day ( from XXXX to XXXX ). They stated it was their policy, the reservation could not be changed. My call was more than a month in advance of the cruise, their website stated to call them to change the reservation and cruise the next day was not full. There was no reason my request could not be granted. 

I called CapitalOne a few days before the cruise and they advised me it may be best to attend the cruise because XXXX was contesting my claim. When I showed up to the cruise with another friend on XXXX, the cruise operator told me my tickets had been refunded. I was looked down upon by the cruise ship staff as if I was trying to cheat them out of the tickets. XXXX then sent me texts and emails asking me to review the cruise. When I called CapitalOne about the refund, there was nothing in the file about a refund. Therefore, this is now become a case of Services Not Rendered because the services were not delivered as agreed. 

CapitalOne has denied my dispute and refuses to continue my case against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: LEXISNEXIS
State: TX

Complaint narrative:
I contacted LexisNexis yesterday at XXXX XXXX  and XXXX XXXX XXXX. I was instructed to contact each one, as many times before concerning information about Bankruptcy reporting. Bankruptcies dont report to the credit bureaus. LexisNexis said they have removed from XXXX XXXX. Then XXXX said LexisNexis is not responding to none of there messages. It is just a back and forth issue between the two companies. XXXX said I did not know what I am talking about. Also, saying no information was received from me. I sent paperwork to them by certified mail and sent by regular mail. These two companies has crooks working for them not knowing what they are doing. Person should not have to keep contacting them so many times. My next step is to contact attorney concerning these two companies.XXXX  sent me paperwork saying they cant verify who I am I sent all that information to them to. Even two bankruptcies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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:
Subject : Request for Documentation and Compliance with the Fair Credit Reporting Act Dear XXXX  XXXX, I am writing to express my concern over the continued reporting of a charge-off account on my credit report, which I believe to be inaccurately reported. In light of this, I am formally requesting documentation to verify the accuracy of this reporting, as is my right under the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX  XXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX  XXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : This is a violation of my consumer rights, please delete immediately It is imperative that I receive concrete evidence showing that your reporting of this charge-off is entirely accurate. My objective is to ensure that my rights under the FCRA are not being infringed upon, especially regarding accurate and fair credit reporting practices. 

Given the serious implications of inaccurately reported credit information on my financial health, I urge your company to review this matter promptly. If the reporting of this account can not be verified as accurate, I request its immediate deletion from my credit report to comply with the FCRA 's requirements. 

I appreciate your immediate attention to this request and expect a timely response to this matter. Ensuring the accuracy of credit reporting is not only a legal obligation but a matter of financial integrity and consumer trust. 

Sincerely, 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 2024-11-09 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: NH

Complaint narrative:
On [ XX/XX/year> ], ( CFPB Complaint # XXXX, XXXX, and XXXX ). I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. However, in response, your agency has simply stated that the accounts in question were " verified '' without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611. FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. 

Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute - this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law. 2. Confirm whether your agency c ontacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted- this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested item
s.

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 2024-11-09 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: NH

Complaint narrative:
On [ XX/XX/year> ], ( CFPB Complaint # XXXX, XXXX, and XXXX ). I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. However, in response, your agency has simply stated that the accounts in question were " verified '' without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611. FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. 

Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute - this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law. 

XXXX. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted- this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.

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 2024-11-09 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-11-09 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: TX

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have recently reviewed my credit report and found inquiries that I did not authorize, which I believe are the result of identity theft. These inquiries are negatively affecting my credit score, and I am requesting their immediate removal from my report. 

The unauthorized inquiries in question are as follows : 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 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  ) I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: TX

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have recently reviewed my credit report and found inquiries that I did not authorize, which I believe are the result of identity theft. These inquiries are negatively affecting my credit score, and I am requesting their immediate removal from my report. 

The unauthorized inquiries in question are as follows 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 XXXX XXXX Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NY

Complaint narrative:
I got logged out from my square account for my business. I tried contacting Square multiple times telling them that I am not receiving emails from them so that I can reset my password. They told me that I had to give them the correct email under my account which I am. They told me they can not help me if I dont give them the correct spelling of my name or email. I dont have access to my money thats in my account and neither do I have access to pay back my loan that I got from square.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
hello. I have been making continuous payments through XXXX XXXX TD BANK since XXXX. They potentially took more of my payment and did not resolve it, so I requested to call them several times, but they waited for over XXXX hours to respond to my call request. There is no connection. Not long ago, I paid the same amount, but they reduced my credit limit and took more of my money by mistake, so I tried to resolve the issue, but instead of resolving the issue, they treated me like a criminal and said I didn't pay.. I'm so angry that they arbitrarily reduced my credit limit. 

They continued to give the same explanation every time and did not acknowledge their mistakes, which interfered with their work. 

As you can see in XXXX, I got the date wrong and paid in installments, and in XXXX, they took over {$200.00} out of my account and called to resolve it, and they said they would correct it. It didn't work at all and they added a late payment to me for that and continued to harass me by calling me for several days in XXXX. And I tried to resolve the mistake they made, but they added another late payment after checking it in the system, and when I checked again today in XXXX, they said that the credit limit had changed in the early morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: IA

Complaint narrative:
This is my third request to the credit bureaus ( XXXX, XXXX, and Equifax ) to remove incorrect and unverified information from my credit report. Despite multiple disputes, they have failed to correct these inaccuracies, which is negatively impacting my creditworthiness and exposing me to potential fraud. 

Specifically : My report shows incorrect personal information, including an incorrect name ( XXXX XXXX instead of XXXX XXXX ), an old address, incorrect phone numbers, and inaccurate employment information. 
It lists multiple phone numbers that do not belong to me and a former employer that I am not currently associated with. 
Due to data breaches, I am also concerned about my date of birth and the last four digits of my Social Security number being exposed on my report, and I have requested their removal. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report accurate and verifiable information. They are also obligated to correct inaccuracies promptly upon dispute. This failure to act has caused me distress and put my personal information at risk. I request the CFPBs assistance to ensure these credit bureaus comply with the FCRA and remove all incorrect information from my report. 

Desired Resolution : I would like the CFPB to ensure that XXXX, XXXX, and Equifax immediately investigate these inaccuracies, correct or remove the erroneous information, and confirm in writing that my credit report now reflects only accurate and verifiable data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: IA

Complaint narrative:
This is my third request to the credit bureaus ( XXXX, Experian, and XXXX ) to remove incorrect and unverified information from my credit report. Despite multiple disputes, they have failed to correct these inaccuracies, which is negatively impacting my creditworthiness and exposing me to potential fraud. 

Specifically : My report shows incorrect personal information, including an incorrect name ( XXXX XXXX instead of XXXX XXXX ), an old address, incorrect phone numbers, and inaccurate employment information. 
It lists multiple phone numbers that do not belong to me and a former employer that I am not currently associated with. 
Due to data breaches, I am also concerned about my date of birth and the last four digits of my Social Security number being exposed on my report, and I have requested their removal. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report accurate and verifiable information. They are also obligated to correct inaccuracies promptly upon dispute. This failure to act has caused me distress and put my personal information at risk. I request the CFPBs assistance to ensure these credit bureaus comply with the FCRA and remove all incorrect information from my report. 

Desired Resolution : I would like the CFPB to ensure that XXXX, Experian, and XXXX immediately investigate these inaccuracies, correct or remove the erroneous information, and confirm in writing that my credit report now reflects only accurate and verifiable data.

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 2024-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I've received 3 credit inquiries from capital one that i did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: IA

Complaint narrative:
This is my third request to the credit bureaus ( TransUnion, XXXX, and XXXX ) to remove incorrect and unverified information from my credit report. Despite multiple disputes, they have failed to correct these inaccuracies, which is negatively impacting my creditworthiness and exposing me to potential fraud. 

Specifically : My report shows incorrect personal information, including an incorrect name ( XXXX XXXX instead of XXXX XXXX ), an old address, incorrect phone numbers, and inaccurate employment information. 
It lists multiple phone numbers that do not belong to me and a former employer that I am not currently associated with. 
Due to data breaches, I am also concerned about my date of birth and the last four digits of my Social Security number being exposed on my report, and I have requested their removal. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report accurate and verifiable information. They are also obligated to correct inaccuracies promptly upon dispute. This failure to act has caused me distress and put my personal information at risk. I request the CFPBs assistance to ensure these credit bureaus comply with the FCRA and remove all incorrect information from my report. 

Desired Resolution : I would like the CFPB to ensure that TransUnion, XXXX, and XXXX immediately investigate these inaccuracies, correct or remove the erroneous information, and confirm in writing that my credit report now reflects only accurate and verifiable data.

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