vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: NC

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 7 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the Result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a XXXX account opened on XX/XX/XXXX under the account number ( XXXX ), a personal credit card accounts opened at XXXX XXXX ( 2 was opened under my name ) on XX/XX/XXXX account # ( XXXX ) and XX/XX/XXXX account # ( XXXX ). An electric company name XXXX that was opened on XX/XX/XXXX, account number ( XXXX ) ( never lived in XXXX XXXX. A debt collector picked up an account, XXXX XXXX and they reported on XX/XX/XXXX, account # ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the fraudulent items mentioned to be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. Despite three dispute attempts, these credit bureaus have retained inaccurate and unverifiable items on my credit report, causing significant harm to my financial standing. 

Key Issues : Failure to Conduct Reasonable Investigations ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : The credit bureaus marked disputed items as verified without providing factual documentation.

Retention of Unverified Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Disputed items remain on my report despite the lack of proper verification.

Failure to Provide Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) : My requests for the name, address, and contact information of furnishers have been ignored.

Inaccurate Reporting ( 15 U.S.C. 1681e ( b ) ) : The bureaus have failed to ensure the maximum possible accuracy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was unaware of this collection debt and requested proof of ownership and they failed to provide me with any authentic validation that this account belongs to me. Also they have not notified me of collection efforts or anything. This account is violating my FCRA and FDCP rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My complaint is for the Bank of America XXXX XXXX XXXX XXXX Credit Card. The Credit Card advertises a {$100.00} Airport Security Statement Credit every XXXX years in connection with the XXXX XXXX  or XXXX XXXX  program. I made a transaction with the XXXX XXXX program on XX/XX/year> for {$190.00} but until this day I have not received the {$100.00} Statement Credit. 

I called Bank of America on XX/XX/year> to try to resolve this issue but the representative was unable to help me and didn't even seem to be aware of the statement credit.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax credit bureau have not had any accurate information in my credit report. Equifax also have never gave me a credit score and when they did which was a month ago it displayed a XXXX score which is over XXXX points less than my accurate credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: NM

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 2024-11-26 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: NM

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Per the FCRA, as a federally protective consumer, I am now opting out of any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. 

I Sent out notification multiple times last year for opt out and transaction reporting letter notification needs to be addressed as a federally protected consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XX/XX/XXXX {$4600.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$290.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXXXXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$590.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX 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

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IN

Complaint narrative:
XXXX  loan has been approved for remove and has not been removed off my credit. XXXX  account was removed and closed because of misconduct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: IA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach and a Validation of Debt Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
On XX/XX/year>, I sent Experian a dispute letter requesting they investigate several accounts. 

Attached I have the letter I sent, XXXX Experian XXXX the inaccurate XXXX Credit Card Charge off account regarding this complaint XXXX XXXX  Credit CardXXXX, and postal receipt XXXX Postal Receipt.XXXX. 

Experian responded to my disputes with their reinvestigation results for my XXXX Submission, Attached, XXXX ExperianReinvestigationResultsXXXX 

On XX/XX/year>, I responded back to Experian, attached XXXX Experian - Reinvestigation Request and Proof.pdf, requesting a reinvestigation, and demanding they provide proof of the reinvestigation ( 15 USC 1681i ( a ) ( 7 ) ) and provide me with the : 1. The names and business addresses of each individual you verified the information with, so that I can follow up. 2. The date when you contacted the individual furnishers of information. 3. The method of communication you used to verify the information. I asked them specifically for a ( 7 ) Description of reinvestigation procedure. Also attached, XXXX Experian Certified.XXXX, shows delivery. 

On XX/XX/year> Experian responded with a refusal to process my request stating that XXXX has verified, and " consumer -disagrees '' in their comments of the account. Attached XXXX Experian XXXX XXXX to Provide proof or Delete.pdf. 

The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and has damaged my ability to obtain credit for personal and household usage. Experian and their inaccurate reporting have damaged my livelihood. The reporting of this inaccurate account is also a violation of 15 USC 1681e ( b ). Their failure to provide maximum possible accuracy is causing me harm and I demand they delete the account in question from my consumer report. I also reserve my rights to litigation and will use this CFPB complaint as evidence in a future complaint should this end result not be satisfied.

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 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, I initiated a {$3000.00} balance transfer to my Chase credit card, which carried a 0 % APR promotional rate valid until XX/XX/XXXX. I made the required minimum payments monthly, and no interest charges were assessed during this time. 

On XX/XX/XXXX, I made an online purchase for {$4200.00} using the same Chase credit card. On XX/XX/XXXX, I canceled this transaction, and the full amount was refunded to my card. I never received the product associated with the purchase. 

Despite the refund being for the exact amount of the purchase, Chase applied the refund in a way that removed the {$3000.00} balance transfer, which had the 0 % APR, and applied the remainder of the refund to the purchase balance. As a result, the entire {$3000.00} that had been part of the promotional balance transfer was converted into a balance subject to the standard purchase APR. 

I did not notice this until several months later, as I had AutoPay set to cover the minimum balance due. When I contacted Chase customer service, they informed me that it was their policy to apply refunds to the lowest APR balance first. However, under the Credit CARD XXXX of XXXX, any payments beyond the minimum are required to be applied to the balance with the highest APR first. 

This handling of the refund appears to contradict federal regulations, as it resulted in increased interest charges on my account. Additionally, Chase has not provided clear documentation in my credit card agreement to support this refund allocation policy. 

I believe this action unfairly manipulated the allocation of my refund in a way that maximized interest charges. This practice seems to exploit a potential loophole in payment allocation protections, to the detriment of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am purchasing a home in the XXXX ( XXXXXXXX XXXX  ). All of these funds are to purchase my 1st home. Upon initiating the wire on XX/XX/2024 for XXXX dollar from CapitalOne my account was locked and put in an investigation status to confirm the incoming wires and the external wire which is being sent to a closing attorney XXXX XXXXXXXX XXXX XXXX in XXXX XXXX. This has caused a major inconvenience and has cost me money to extend closing on my home. I need this resolved and my funds released asap please! I have called the customer support and they have been no help! They continue to just tell me my is locked and under review which is unacceptable. I bank with XXXX and XXXX and never have had any issues with my international wires coming in or going out. I am a full time student at XXXX XXXX XXXX in XXXX XXXX  and I receive funding from my family in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Discrepancy in my report and the company failed to provide me proof of ownership or validity of debt. Failed to inform me of collection efforts, asked for proof of certified mail where I received any notice of collection efforts and have not received it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX, XX/XX/year>. 
I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, XX/XX/year>. 
I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, XX/XX/year>. 
I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.

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 2024-11-26 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: PA

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 ( XXXX ) 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
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was in conversations with XXXX XXXX XXXX and XXXX and they utilized my requested personal information to submit multiple loan applications included this credit card. I signed what it was suppose to be estimate to build a house but they converted on multiple fraudulent loans and no work has been made. I signed on XX/XX/year> in the evening and XXXX companies had run my credit and opened accounts the same date included XXXX XXXX  I do not know how they did it because I have fraud alert in my files. I disputed this account because like I said XXXX XXXX never mentioned any credit cards or line of credit specially to open an account with a XXXX  person or company. The credit checks were done before I signed anything. I complained to XXXX XXXX and they told me not to dispute it that they were going to take care of the problem, I told Synchrony Bank that I was paying because credit card appears in my credit not because I acept responsibility for XXXX XXXX and did not know how they used the {$50000.00}. Synchrony Bank is charging me but if they send the money to XXXX  they should go after that company and request reimbursement for the fraudulent claim, I already told the XXXX  XXXX has not provide me any service or work. I received no benefits and if they have evidence of that benefit to prove it to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation