vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: CA

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 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 2024-11-27 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: CA

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 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding my Capital One account ending in XXXX. Despite fulfilling all my financial obligations and resolving any past issues, my account has been unjustifiably restricted without clear explanation. Furthermore, Capital One has refused to review the matter or provide adequate reasoning for the restrictions placed on my account. This situation has negatively impacted my financial standing and potentially my credit score due to my credit being ran multiple times. 

In XX/XX/XXXX, I encountered a payment issue with Capital One, which was fully resolved on XX/XX/XXXX. Since then, I have paid all outstanding debts and ensured my account is in good standing. Despite this, my account was restricted again on XX/XX/XXXX, with no explanation provided other than activity inconsistent with typical usage. I have repeatedly contacted Capital One customer service to resolve the matter, but I have been told that this is the final decision, with no further review or explanation. 

The restriction on my account has not only inconvenienced me in terms of my ability to use the card but also harmed my credit profile. Each time Capital One restricts my account, I am affected by the reduction in available credit, which impacts my credit utilization ratio. Moreover, the inability to use the account, despite having resolved all issues, affects my financial management and access to credit. I am concerned this unjust treatment will have a long-lasting effect on my credit score and financial standing. 
I believe that Capital Ones refusal to review my account and provide clear reasoning for these restrictions may be in violation of fair consumer credit practices. As a responsible and cooperative customer, I am entitled to a thorough review of my account status and full transparency regarding the actions taken. If this matter is not addressed, I intend to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ). 
I am requesting a full review of my account and a clear explanation of why the account has been restricted after I have fulfilled my financial obligations. I would also like confirmation that my account will be reinstated without restrictions, and any incorrect reporting to credit bureaus be immediately corrected. Additionally, I request a written response detailing the steps taken to resolve this matter. 
I would appreciate your prompt attention to this matter and request a resolution within the next XXXX business days. I trust that this issue can be resolved amicably, but I am prepared to take further action with regulatory agencies if necessary. Please feel free to contact me directly at XXXX or XXXX to discuss any further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 my 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 to be updated. 


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. 


EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi, my name is XXXX XXXX, and I am reaching out to request an update regarding the late payment remarks on my consumer report. I have never been late with my payments, yet there is a reported late payment on my file. This situation has caused me significant stress as it is negatively impacting both my credit report and my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: PA

Complaint narrative:
An a XXXX credit line was opened fraudulently in my name in XXXX of 2023. They used my phone number and personal info to do so. In XXXX of XXXX  when I discovered the fraud I called XXXX to report the fraud and was advised to close the account during their investigation and to make the monthly payments in the interim. I did not hear back from XXXX for months and when I called back to check in I find that not investigation was started so I file XXXX again. The results of the investigation were that since I made payments to the account ( under their advisement ) that that was enough proof to deny my fraud investigation to have the debt erased. My XXXX account was completely deleted so I didnt have any access to the XXXX credit account to get updates and handle things. When I tried to resolve it again they were extremely unprofessional and unhelpful that even if XXXX of their employees advised me wrongly that that is not on them and doesnt reflect in their records. So not only are they trying to put the fraudulent debt on me but also dismissing all of the payments I already made to the account. This is completely unethical and manipulative.

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 2024-11-27 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: PA

Complaint narrative:
An a XXXX credit line was opened fraudulently in my name in XXXX of XXXX They used my phone number and personal info to do so. In XXXX of XXXX when I discovered the fraud I called XXXX to report the fraud and was advised to close the account during their investigation and to make the monthly payments in the interim. I did not hear back from XXXX for months and when I called back to check in I find that not investigation was started so I file XXXX again. The results of the investigation were that since I made payments to the account ( under their advisement ) that that was enough proof to deny my fraud investigation to have the debt erased. My XXXX account was completely deleted so I didnt have any access to the XXXX XXXX account to get updates and handle things. When I tried to resolve it again they were extremely unprofessional and unhelpful that even if XXXX of their employees advised me wrongly that that is not on them and doesnt reflect in their records. So not only are they trying to put the fraudulent debt on me but also dismissing all of the payments I already made to the account. This is completely unethical and manipulative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: PA

Complaint narrative:
An a XXXX credit line was opened fraudulently in my name in XXXX of 2023. They used my phone number and personal info to do so. In XXXX of XXXX when I discovered the fraud I called XXXX to report the fraud and was advised to close the account during their investigation and to make the monthly payments in the interim. I did not hear back from XXXX for months and when I called back to check in I find that not investigation was started so I file XXXX again. The results of the investigation were that since I made payments to the account ( under their advisement ) that that was enough proof to deny my fraud investigation to have the debt erased. My XXXX account was completely deleted so I didnt have any access to the XXXX XXXX account to get updates and handle things. When I tried to resolve it again they were extremely unprofessional and unhelpful that even if XXXX of their employees advised me wrongly that that is not on them and doesnt reflect in their records. So not only are they trying to put the fraudulent debt on me but also dismissing all of the payments I already made to the account. This is completely unethical and manipulative.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I have submitted serval dispute letters on the following inquiries on my credit report that are currently harming my financial profile. 

XXXX XXXX account opened on XX/XX/XXXX and has a balance of {$3700.00}. This account is incorrectly being reported as a charged-off account with a balance due. 

XXXX XXXX account opened on XX/XX/XXXX and has a balance of $ XXXX dispute the missed payments and late payments on this account. 

XXXX XXXX XXXX Revolving account was opened on XX/XX/XXXX and had a balance of {$5200.00}. 
This account is incorrectly being reported as a charged-off account with a balance due. 

To rectify this matter, I have taken the necessary steps, including reporting these discrepancies through IdentityTheft.gov, and have attached the Federal Trade Commissions Identity Theft Report for your review. I kindly request that you investigate these accounts and inquiries thoroughly and remove any items found to be inaccurate or fraudulent.Maintaining a clean and accurate credit report is of utmost importance to me as I work toward rebuilding my credit and financial stability. Thank you for your prompt attention to this matter. 









Maintaining a clean and accurate credit report is of utmost importance to me as I work toward rebuilding my credit and financial stability. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
I have submitted serval dispute letters on the following inquiries on my credit report that are currently harming my financial profile. 

XXXX XXXX account opened on XX/XX/XXXX and has a balance of {$3700.00}. This account is incorrectly being reported as a charged-off account with a balance due. 

XXXX XXXX account opened on XX/XX/XXXX and has a balance of $ XXXX dispute the missed payments and late payments on this account. 

XXXX XXXX XXXX  Revolving account was opened on XX/XX/XXXX and had a balance of {$5200.00}. 
This account is incorrectly being reported as a charged-off account with a balance due. 

To rectify this matter, I have taken the necessary steps, including reporting these discrepancies through IdentityTheft.gov, and have attached the Federal Trade Commissions Identity Theft Report for your review. I kindly request that you investigate these accounts and inquiries thoroughly and remove any items found to be inaccurate or fraudulent.Maintaining a clean and accurate credit report is of utmost importance to me as I work toward rebuilding my credit and financial stability. Thank you for your prompt attention to this matter. 









Maintaining a clean and accurate credit report is of utmost importance to me as I work toward rebuilding my credit and financial stability. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and XXXX be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I XXXX suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-11-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-11-27 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: GA

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-11-27 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: GA

Complaint narrative:
I kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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 2024-11-27 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: GA

Complaint narrative:
I kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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 2024-11-27 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Dont recognize and arent familiar any of these inquiries

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 2024-11-27 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: AZ

Complaint narrative:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, 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