vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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:
XXXX XXXX has violated my rights under THE PRIVACY ACT OF XXXX. ( 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.

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. In accordance with the provisions of the Gramm-Leach-Bliley Act ( GLBA ), specifically sections 15 U.S.C. 6801-6809, including 6805, Enforcement, XXXX XXXX has violated this act and my consumer rights by sharing Non-Public Private Information ( NPPI ) with XXXX, Experian, and XXXX. Consumer reporting agencies are non-affiliated third parties with which XXXX XXXX has shared my NPPI. XXXX, Experian, and XXXX have also violated my rights by reporting student loans ( NPPI ) within my consumer reports without first having written consent from me, the consumer, to obtain and furnish information within my consumer reports. This is a direct violation of the Gramm-Leach-Bliley Act. Edfinancial Services also violated my rights I was not provided with any opt-out disclosures. As a consumer, The Privacy Act of XXXX states I, the consumer have the right to Privacy and the right to opt-out of having my NPPI shared with non-affiliated third parties. In the federal student aid privacy policy, it states that XXXX as a server for Federal Student Aid student loans is under the Gramm-Leech-Bailey Privacy Information Act. Also XXXX XXXX XXXX. XXXX, XXXX is the master servicer for XXXX XXXX, and in XXXX XXXX XXXX act it states that XXXX XXXX XXXX are under the Dodd-Frank Act and CFPB. Here is the indenture trustees information. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, Minnesota XXXX ( XXXX ) XXXX I expect this Account to be discharged & to reflect as paid as agreed on my credit report to each agency immediately. I will file a report to the FTC If not resolved. 

XXXX XXXX Date : XX/XX/XXXX Account number : XXXX Balance : XXXX XXXX Date : XX/XX/XXXX Account Number : XXXX Balance : XXXX Experian XXXX XXXX XXXX  Date : XX/XX/XXXX Account # : XXXX Balance XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account # : XXXX Balance : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account # : XXXX Balance : XXXX XXXX XXXX Date : XX/XX/XXXX Account # XXXX Balance : 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 2025-01-06 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: OH

Complaint narrative:
I checked my credit report, and I saw some inquiries that I did not authorize. 

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 NEED THESE INQUIRIES REMOVED 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 2025-01-06 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:
Kindly delete this unauthorized account from my credit file, as it is not related to me. I also request an investigation to resolve any other discrepancies.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Kindly delete this unauthorized account from my credit file, as it is not related to me. I also request an investigation to resolve any other discrepancies.

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 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This is my 3rd time filing about my account. I am now sending the entire context of my communication " American Express Serve fraud department. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 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: HI

Complaint narrative:
I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.

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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-06 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: FL

Complaint narrative:
I provided the below to Capital One and spoke to them twice via phone about my problem. The business lied on their rebuttals about me extending the stay because I liked it, when I extended the stay before ever arriving because my house was in a hurricane disaster zone and I couldn't go home. They lied about trying to help. They lied about calling me back. Their XXXX and XXXX reviews are full of people with similar issues. They have an F on XXXX. 

-- -- -- - When Hurricane Milton was imminent, I needed to evacuate inland. I booked a short term rental with XXXX for Monday through Friday and had no issues. By Thursday, I found out we would be without water and power for several more days. 



On Thursday, I booked another stay with XXXX for Friday through Sunday. I am contesting these charges. The check in time was XXXX and the cleaners were still there. When I got inside, I immediately smelled dog urine and quickly found dog hair around the house. The kitchen had food residue on the counters. There was visible dog XXXX on the staircase and even directly on the bed. 



I immediately called XXXX and text them. They have two phone numbers and email they use to communicate. They told me to email and text them photos of my concerns and theyd call me back promptly. I sent the images both ways and asked for them to confirm receipt. They never replied. 



I

called and texted over and over again. Sometimes they answered only to tell me they would call back soon and never do it. I eventually told them I need a new place or a refund and I vacated the property, within ab

out 30 mins of arrival. I told them this and I never returned.

In their response, they mentioned a deep cleaning in
spection. My images refute this. They say I stayed and liked it so much I added another night. This is a lie, I added the night before check in and never stayed due to there literally being urine in the bed. The title mentions the place being stunning, it clearly is not. They have an F on XXXX  and their XXXX and XXXX reviews are filled with similar horror stories. They do not properly clean or maintain their homes and hold you hostage. 



This is bad enough that they have now randomly charged me another {$190.00} an entire month after the booking and I am having to dispute that too. They sent me no messages, no invoice, I just got an alert from Capital One that they had charged me. 



They stopped responding and even answering the phone after promising me a resolution within 30 minutes over a 4 hours period. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 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: OH

Complaint narrative:
I am rewriting to file a formal complaint to EQUIFAX regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. I respectfully request an immediate investigation into these unauthorized inquiries and that the EQUIFAX will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
I received a credit report in XX/XX/XXXX where it was posted that I had 6 current loans with Mohela. I am now trying to buy a home and just received a credit report in XX/XX/XXXX where it was posted that I had 16 student loans. On my Mohela account, I am current with my loans and should only have XXXX  student loans. This is negatively impacting my DTI and credit score. My credit score jumped from XXXX to XXXX because of this FALSE REPORTING. I need this resolved asap and Mohela is unable to resolve this issue sending me in circles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I saw the Capital One Savor card as one of my offers in the XXXX 's website advertising a 0 % APR for purchases and transfers for the first 15 billing cycles. I applied and got approved for it on XX/XX/XXXX. After receiving the card in approximately 7-10 business days, I attempted to activate the card on XXXX XXXX, XXXX, but was directed to call XXXX XXXX. After speaking to XXXXXXXX, who activated my credit card, I asked her if I am able to transfer a balance to the 0 % APR using the mobile app. That is when I was advised that the 0 % for transfers is no longer available at that time. Since the primary reason for me applying for this card is no longer being offered, I asked them to close the credit card immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: NV

Complaint narrative:
I sent Receivable Management a Debt Validation Letter requesting information to prove that this debt is owed. I have not received any response nor any information providing that this debt is owed and information concerning the original debt including fees and any other information about this debt. This company still have not sent the required information to report this item on my credit report, this is against the law.

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 2025-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have identity theft because someone opened a Kohls card in XXXX of XXXX without my knowledge. I would like to report this as fraudulent card and activity. I have called Kohls to report identity theft and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: Kikoff Inc.
State: TX

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth:XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan account XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Other Identity Theft Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$460.00} XXXX Account number XXXX Date fraud began : XX/XX/XXXX Date I discovered it XX/XX/XXXX Total fraudulent amount : XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Here is a list of the hard inquiries Credit Inquiries XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX in question as well proff that my information was breached by XXXX. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Fair and accurate credit reporting is essential to the financial system, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The effectiveness of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating.

Therefore, the effectiveness of the banking system is hampered anytime there is a breach of the FCRA. Since I was never late, this is against TILA US Code 1666B. 

I discovered an inaccurate late payment record on my XXXXXXXX XXXX account [ XXXX ] when I just looked over my consumer report. I have consistently made my account payments on schedule. " Under the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ), ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-06 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-06 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-01-06 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:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit 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