vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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

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 2024-12-13 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: DC

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: PA

Complaint narrative:
XXXX XXXX Visa Card I ordered merchandise over the phone from a merchant in Florida. The item never arrived.I tried to contact the merchant and was unable to reach them because their phone was disconnected. Contacted XXXX Visa after the statement arrived for them to investigate the issue after describing the action I took to contact the merchant. The said they would investigate, I deducted the amount of the {$430.00} from my payment to Visa.The next month the amount showed on my statement and contacted them about the investigation. A few days later I received a letter stating they were unable to continue the investigation because 60 days had elapsed. I inquired why they were unable to resolve this matter and I didn't feel responsible for the amount owed because they were unable to resolve this. 
I recently contacted them about this matter since they have reported this to the credit bureaus and it is negatively affecting my credit rating. Was informed by the dispute supervisor XXXX that it was assigned to a collection agency for collection. Asked why they are still reporting this amount on my credit report when they have already deducted it from their books as uncollected debt. He then asked my if I wanted to make a payment and I informed him that would be fraud since they had already deducted it from this books. 
I want them to remove this charge from my report since they have already took a deduction after submitting it to the collection agency

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I've checked my credit report and notice some inaccurate accounts reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] XXXX XXXX XXXX  [ Company Address ] [ City, State, Zip Code ] **RE : Dispute of Charge-Off Account and Cease and Desist Request** **Account Number : XXXX Dear Sir/Madam, I demand a manual review!!

I am writing to formally dispute the charge-off status of the above-referenced account reported on my credit file. I assert that you have not received my written consent to report this account to any credit reporting agencies, which is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Furthermore, I wish to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). As such, I am requesting that you cease all communication regarding this alleged debt. This includes any form of communication with me, as well as reporting to credit bureaus.

Please be advised that my refusal to pay this alleged debt is communicated herein, and as per the law, you must halt all forms of communication and reporting regarding this matter.

Additionally, I want to formally notify you that I will not hesitate to pursue pre-arbitration should this matter not be resolved. The following laws have been violated in your handling of this account : 1. **Fair Debt Collection Practices Act ( FDCPA ) ** - Failure to cease communication upon consumer request.

2. **Fair Credit Reporting Act ( FCRA ) ** - Reporting inaccurate information without consent.

I expect your prompt attention to this matter. Should you choose to ignore this request, I will consider taking legal action to protect my rights as a consumer.

Also I would need a letter of notification of deletion so that I can send to the other consumer reporting agencies for immediate removal please send letter to my email XXXX Thank you for your cooperation. 

Sincerely, [ 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 non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> XXXX XXXX XXXX XXXX  [ Company Address ] [ City, State, Zip Code ] **RE : Dispute of Charge-Off Account and Cease and Desist Request** **Account Number : XXXX Dear Sir/Madam, I demand a manual review!!

I am writing to formally dispute the charge-off status of the above-referenced account reported on my credit file. I assert that you have not received my written consent to report this account to any credit reporting agencies, which is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Furthermore, I wish to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). As such, I am requesting that you cease all communication regarding this alleged debt. This includes any form of communication with me, as well as reporting to credit bureaus.

Please be advised that my refusal to pay this alleged debt is communicated herein, and as per the law, you must halt all forms of communication and reporting regarding this matter.

Additionally, I want to formally notify you that I will not hesitate to pursue pre-arbitration should this matter not be resolved. The following laws have been violated in your handling of this account : 1. **Fair Debt Collection Practices Act ( FDCPA ) ** - Failure to cease communication upon consumer request.

2. **Fair Credit Reporting Act ( FCRA ) ** - Reporting inaccurate information without consent.

I expect your prompt attention to this matter. Should you choose to ignore this request, I will consider taking legal action to protect my rights as a consumer.

Also I would need a letter of notification of deletion so that I can send to the other consumer reporting agencies for immediate removal please send letter to my email XXXX Thank you for your cooperation. 

Sincerely, [ 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 2024-12-13 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: TX

Complaint narrative:
On XX/XX/year>, a charge of {$11000.00} was billed to my card by the merchant XXXX XXXX. I initially disputed this amount, believing it to be incorrect. 

Following my dispute, I contacted the merchant, who confirmed that the payment had been reversed. Subsequently, on XX/XX/year>, I made a second payment to the merchant for the amount of {$11000.00}. 

I requested that the merchant refund the initial charge. However, they informed me that their bank had already reversed the transaction and reimbursed the funds to Capital One. 

I followed up with Capital One to confirm the reimbursement but was instructed to provide proof. I promptly submitted documentation of both payments. Despite this, I was informed that the evidence provided was insufficient. 

To clarify and expedite this matter, I reached out to the merchant once again. Their bank has since confirmed that the initial payment was indeed revoked, and the merchant has provided a written confirmation to that effect. 

I again contacted Capital One and attached the aforementioned letter from the merchant. They then responded with a generic message : " We have a limited amount of time to reverse a charge on our customer 's accounts. Unfortunately, that timeframe has expired for this particular charge. If you want to dispute a charge in the future, please let us know within 60 days of receiving the statement that shows the disputed charge ''. Please note that the initial claim was done a day after the charge. I think that the company is not following up on my claim or even reading my communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I found several inaccuracies regarding late payments. These do not align with my typical payment history. Kindly make the necessary corrections and update my account. 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Wisconsin XXXX ] [ XX/XX/year> ] XXXX XXXX XXXX XXXX 
[ XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX ] Re : Cease and Desist Communication Regarding Alleged Credit Card Account Request for Deletion To Whom It May Concern : This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and is being sent regarding an alleged XXXX XXXX credit card account that has been reported as closed and charged off. I assert that your furnishing of my credit information to consumer reporting agencies was done without my written consent, violating federal law. 

Basis of Complaint and Legal Violations : 1. Lack of Written Consent : Under 15 U.S.C. 1681b ( a ), you are required to obtain my explicit written consent to furnish my credit information. At no point did I provide such consent. Reporting this account without proper authorization constitutes a clear violation of the FCRA.

2. Demand for Manual Review : I am requesting a manual review of my records to identify and confirm the lack of written consent associated with the furnishing of this account. In addition, reporting inaccurate or unverifiable information is strictly prohibited under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

3. Right to Cease and Desist : Pursuant to 15 U.S.C. 1681c ( a ), you must immediately cease all communication regarding this alleged debt, including communication with consumer reporting agencies. Reporting to credit bureaus constitutes a form of communication and must also cease.

Action Demanded : I demand the following corrective actions : 1. Immediate Deletion : Remove all references to this account from my credit report with all consumer reporting agencies. 
XXXX. Letter of Deletion : Provide a formal letter of deletion notice, confirming that the account has been removed, and send it to my email address at [ XXXX ]. 
XXXX. Notification to Consumer Reporting Agencies : Notify all credit reporting agencies to which this account has been furnished that the account was reported without authorization and must be permanently deleted.

Failure to comply with these requests will leave me no choice but to pursue legal remedies. This includes filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as initiating arbitration or litigation under 15 U.S.C. 1681n for willful noncompliance or 15 U.S.C. 1681o for negligent noncompliance. 

This matter must be resolved within 30 days of receipt of this letter. If no action is taken, I will proceed accordingly. 

Sincerely, [ 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 non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Wisconsin XXXX ] [ XX/XX/year> ] XXXX XXXX XXXX XXXX 
[ XXXX XXXX  XXXX XXXX XXXX NY XXXX ] Re : Cease and Desist Communication Regarding Alleged Credit Card Account Request for Deletion To Whom It May Concern : This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and is being sent regarding an alleged XXXX XXXX credit card account that has been reported as closed and charged off. I assert that your furnishing of my credit information to consumer reporting agencies was done without my written consent, violating federal law. 

Basis of Complaint and Legal Violations : 1. Lack of Written Consent : Under 15 U.S.C. 1681b ( a ), you are required to obtain my explicit written consent to furnish my credit information. At no point did I provide such consent. Reporting this account without proper authorization constitutes a clear violation of the FCRA.

2. Demand for Manual Review : I am requesting a manual review of my records to identify and confirm the lack of written consent associated with the furnishing of this account. In addition, reporting inaccurate or unverifiable information is strictly prohibited under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

3. Right to Cease and Desist : Pursuant to 15 U.S.C. 1681c ( a ), you must immediately cease all communication regarding this alleged debt, including communication with consumer reporting agencies. Reporting to credit bureaus constitutes a form of communication and must also cease.

Action Demanded : I demand the following corrective actions : 1. Immediate Deletion : Remove all references to this account from my credit report with all consumer reporting agencies. 
2. Letter of Deletion : Provide a formal letter of deletion notice, confirming that the account has been removed, and send it to my email address at [ XXXX ]. 
3. Notification to Consumer Reporting Agencies : Notify all credit reporting agencies to which this account has been furnished that the account was reported without authorization and must be permanently deleted.

Failure to comply with these requests will leave me no choice but to pursue legal remedies. This includes filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as initiating arbitration or litigation under 15 U.S.C. 1681n for willful noncompliance or 15 U.S.C. 1681o for negligent noncompliance. 

This matter must be resolved within 30 days of receipt of this letter. If no action is taken, I will proceed accordingly. 

Sincerely, [ 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: AZ

Complaint narrative:
Subject : Dispute of XXXX XXXX XXXX Collection Account Under FCRA To Whom It May Concern, I am writing to dispute the collection account reported by XXXX XXXX XXXX XXXX on my XXXX credit report. Based on my investigation through the XXXX XXXX XXXX XXXX ( NMLS ), XXXX XXXX XXXX XXXX is not licensed to collect debts in the state of California. As such, the reporting of this account is both inaccurate and unlawful. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), XXXX is required to ensure the maximum possible accuracy of the information contained in consumer reports. Reporting a collection account from an unlicensed entity that is prohibited from collecting debts in California fails to meet this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or unverifiable information, which obligates XXXX to investigate and remove such information from my credit report if it can not be verified. 

Details of the Disputed Account XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount Alleged Owed : {$880.00} Actions Requested : Investigate License Status : Verify through the XXXX XXXX XXXX XXXX and the California XXXX XXXX XXXXXXXX XXXX and Innovation that XXXX XXXX XXXX XXXX is not licensed to operate in California. 

Remove the Inaccurate Entry : Permanently delete this collection account from my credit report as the entity has no legal authority to collect debts in my state. 

Provide Written Confirmation : Send me a written response confirming the removal of this account and provide an updated copy of my credit report reflecting the correction. 

Enclosed are the following documents to support my dispute : A copy of my credit report highlighting the XXXX XXXX XXXX XXXX account. 

Documentation from the XXXX XXXX XXXX XXXX confirming that XXXX XXXX XXXX XXXX is not licensed to collect in California. 

XXXX must complete this investigation and respond within the 30-day timeframe required under the FCRA. Failure to comply with these obligations will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

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 explanation