vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My statement is a billing error pursuant to : 12 CFR 1026.13 - Billing Error Resolution Capital One has charged my account for several late fees and is in violation of 15 U.S. 1666 Code Credit Billing : Correction of billing errors 1666b Timing of payments - a creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose. This account has been marked as late and has history of late fees.

1666i-1 - Limits on interest rate, fee, and finance charge increases applicable to outstanding balance- in the case of any account under an open end consumer credit plan, no creditor may increase any APR, fee, or finance charge applicable to any outstanding balance.

Remedy : I require that any and all late fees and interest accrued on any late fees be removed from my account within 7 days of receiving this notice. 

Capital One refused to remove any and all late fees and is reporting negatively against my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX : XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Fraudulent Accounts Due to Identity Theft Request for Removal Within 4 Days Dear EQUIFAX, I am writing to dispute fraudulent accounts appearing on my credit report, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act ( FCRA ), you are required to block and remove information resulting from identity theft within XXXX business days of receiving this request, along with supporting documentation. Below is a list of fraudulent accounts that do not belong to me : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ACCOUNT NUMBER ( XXXX ) XXXX & XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ACCOUNT NUMBER ( XXXX ) XXXX  XXXX/XXXX  ( XX/XX/year> ) XXXX XXXX XXXX XX/XX/year> ) To comply with Section 605B, I have provided the following required documentation : Identity Theft Report : Filed with the Federal Trade Commission ( FTC ) .

Proof of Identity : Copy of my government-issued ID and Social Security card . 
Proof of Address : [ bank statement. ] I demand that these accounts be blocked and removed from my credit report within XXXX business days, as required by law. Please confirm in writing when this action has been completed. Failure to comply with this timeline will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me. 

SINCERELY XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This request is essential for addressing consumer concerns related to personal financial information, account discrepancies, or inquiries about financial products and services. By collecting and verifying this information, we can provide accurate responses, resolve issues effectively, and safeguard consumers against potential fraud or identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-13 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:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I need to freeze my credit report because Ive noticed several unauthorized transactions listed on it. These transactions are not only unfamiliar to me, but they also suggest that my personal information may have been compromised. To prevent any further potential fraud or damage, I believe freezing my credit report is necessary to ensure no new accounts or credit activities can be opened in my name without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
15 U.S code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4business days after the day of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Transunion.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-13 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/year> I was at XXXX XXXX XXXX XXXX XXXX owned by Commenity Bank. I made a purchase, and have a credit card with the company, yet was told that they had a global outage, days before Christmas, and I would not only not have access to use my card information as their system was down and I did not have my physical card, I also couldnt use my rewards for money off my purchase which I had but they were unable to access. Upon going to the register, the employee gave me no greeting, smile, and stepped away from the register I was at.stood at the register next to it, and assumed I knew to move over. While frustrated and wanted a manager was when the confusion came about using my express credit card which I just had a horrible experience with and just made a complaint with cfpb, I was forced to use my XXXX XXXX credit card since I needed the items and had to forfeit my money off with rewards, I went to yet the other side of registers, swiped my card for the amount of {$53.00}, that register was unable to connect so we thought.the manager assured me I wouldnt be charged twice, yet.as she requested me to go to yet the fourth, and I say XXXX register.the purchase which she rerung up and I then had to swipe yet again, it finally went the. Upon trusting this company to be right and fair, they stated after I noticed days later they at the store were unable to do anything and I would have to dispute through XXXX  XXXX. As if it was what I needed through the holidays is to add more confusion, I disputed the charge. By then I found the items to be a bother as to the hassle with XXXX the store associate, the management who found my complaint of not being greeted or spoken to a bother, I decided to return the items, so my credit card company has thought the dispute was finalized. I had to go back and file another dispute and want express to make this right. I have had months of horrible experiences, and they should have made it known to the public the risk of being charged twice. They arent even checking peoples charges and if the individual doesnt catch the charge people wont have a clue. Its unorthodox, and just WRONG. DECEIVING and SHAMEFUL. I look forward to them making this whole and correct immediately. I also will think twice before shopping and spending my money with a company who hires people who arent adding to value to the business, and have such a incompetent credit card system that has had issues for 3 years. Please allow the federal government look into your conduct. Im disgusted and disappointed. Refund my money!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and realized I'm hiring information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made I believe I am a victim of identity theft these accounts being reported on my credit report cost for action of deletion because these accounts show many and accuracies or fraudulent charges not made by me across all bureaus show that these accounts this is in clear violation of my fair credit reporting act FCRA I asked that the council listed below be removed because it's in clear violation of the fair credit reporting action section 15 US code 1681 I procedure in case of dispute and accuracy. I asked that the accounts and inquiries be investigated roughly, and as a result removed 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 non-monetary relief
Consumer complaint received 2025-01-13 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: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
I am writing to formally dispute two recent credit pulls that have negatively impacted my credit score. The first occurred on XX/XX/year>, by XACTUS, which I believe was mishandled by my representative, resulting in an unintended outcome that has unfairly affected my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: AR

Complaint narrative:
I recently found out that Im a victim of identity theft, and reviewed a copy of my credit report. I found an account and numerous inquiries on my credit report that were not open by me.

The credit bureaus is neglecting my consumer rights and the ECOA. This breach exposed my personal information and led to numerous fraudulent accounts and inquiries being added. Under 15 U.S. Code 1681c2, the credit bureaus is legally required to block all fraudulent information within 4 business days of receiving my identity theft documentation. 

Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. 

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 XXXXXX/XX/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 2025-01-13 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: AR

Complaint narrative:
I recently found out that Im a victim of identity theft, and reviewed a copy of my credit report. I found an account and numerous inquiries on my credit report that were not open by me.

The credit bureaus is neglecting my consumer rights and the ECOA. This breach exposed my personal information and led to numerous fraudulent accounts and inquiries being added. Under 15 U.S. Code 1681c2, the credit bureaus is legally required to block all fraudulent information within 4 business days of receiving my identity theft documentation.

Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: U.S. BANCORP
State: TX

Complaint narrative:
US BANK has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I purchased a PayPal digital reload for XXXX $ from XXXX I entered the wrong email sending the money to XXXX when it was supposed to be loaded to the PayPal account associated with the email XXXX. I contacted XXXX and PayPal several times I never received the digital reload and was never reembursed for the money I spent to purchase it. I sent several emails and called and called the only number I could find and was never given a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I settled my debt with XXXX for {$300.00} as a final payment. The creditor agreed to accept this amount as full satisfaction of the outstanding balance. It still saying I owe XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: CA

Complaint narrative:
I need to freeze my credit report because Ive noticed several unauthorized transactions listed on it. These transactions are not only unfamiliar to me, but they also suggest that my personal information may have been compromised. To prevent any further potential fraud or damage, I believe freezing my credit report is necessary to ensure no new accounts or credit activities can be opened in my name without my consent.

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 2025-01-13 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report 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 explanation
Consumer complaint received 2025-01-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any errors on my report and expect a thorough and accurate investigation. It is crucial that Equifax conducts a comprehensive review of my dispute to ensure that my credit report reflects accurate and current information.I am particularly concerned about the adequacy of Equifaxs investigative practices. It is imperative that my dispute receives a genuine and thorough review, rather than a cursory or automated response. The integrity of my credit report relies on the accuracy of the information you provide. 

Please acknowledge receipt of this dispute and keep me informed of the investigation 's progress. If the investigation confirms the disputed information is incorrect, I expect Equifax to promptly remove or correct the information and send me an updated credit report.

Company response to consumer: Closed with explanation