vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In XX/XX/year>, I purchased a used car. The dealership shopped my information around to multiple lenders looking for someone to finance the loan. I do not know how many lenders were approached in this process. Experian currently lists 4 separate individual credit requests all on the same day, for the same purpose, on XX/XX/year>, and counts them individually in the total of credit inquiries, counter to their claims of not doing so under the law and reductions under deduplication. 

I have spent the past 24 hours attempting to contact Experian to try to file a dispute about the information, but the Experian website does not allow disputes to be filed concerning inquiries ; the phone numbers ( and email addresses ) listed do not all go to Experian anymore ; and the ones ( phone numbers ) do place you in an automated hell that does not answer anything and does not provide any way to get out of it. The automated phone tree will direct you back to the web-site which, as previously seen, does NOT allow you to file disputes, but will not forward the caller to an agent or specialist because that can only be done in " certain cases. '' Frankly, I'm about ready to fill a suitcase full of XXXX and make it a certain special case and mail it to them, then it will certainly be special enough to draw their attention that they need to rethink how the phone calls are handled. 

2 hours is more than enough time in that XXXX XXXX XXXX maze to be punished. The one time I thought I saw an escape, I found a different phone number that said the operating hours were from XXXX XXXX  to XXXX XXXX  XXXX. I called at XXXX XXXX  XXXX and was met with a recording that they had already closed for the day, and to call back during the regular business hours of XXXX XXXX  to XXXX XXXX  XXXX. I want to work somewhere where I get to leave over a half hour early and get to call it a full day!! Especially as much as they are XXXX XXXX and my credit over with the sloppiness that they handle everything.

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 2024-09-06 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: U.S. BANCORP
State: DE

Complaint narrative:
I am writing to express my frustration with the issues I am currently facing with a hotel reservation I booked through the US Bank travel portal. 

Recently, US Bank canceled my credit card. As a result, I no longer have access to the travel portal, which is preventing me from modifying or canceling my existing hotel reservation. This has caused me significant inconvenience, as I am unable to manage my booking or cancel it as needed. 

I am requesting that US Bank take immediate action to cancel my hotel reservation and provide me with a full refund. The Trip ID associated with this reservation is XXXX. 

This situation has been both frustrating and disruptive, and I expect that US Bank will address this issue promptly. Please confirm that the reservation has been canceled and the refund has been processed as soon as possible. 

Thank you for your attention to this matter. I look forward to a quick resolution.

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 2024-09-05 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: NY

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX Balance : {$640.00}

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 2024-09-06 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:
XXXX XXXX Capital One I am writing to formally express my dissatisfaction with the handling of my recent credit card application and account management. 

I recently applied for and was approved for the Capital One Venture Card. However, shortly after this approval, my account was placed on hold, and I was asked to provide bank statements, which I promptly did. Despite my immediate compliance, my account was restricted for over 10 days, and my rewards account, where I had accumulated XXXX referral bonus points, was also frozen. 

After enduring this unwarranted delay, I was further dismayed to receive a letter in the mail about two weeks later, stating that my account would be closed. I find this series of events to be both unfair and deceptive, and I request remediation for these actions. 

I request that Capital One do the following : Credit me for the XXXX points I rightfully earned. 
Reopen my credit card account. 
If Capital One is unwilling to reopen my credit card account, I request that you take the following actions instead : Remove the closed credit card from my credit report, including all associated credit inquiries. 
I find it unacceptable that Capital One would approve a credit card application only to subsequently close the account without any reasonable explanation. This situation has caused me undue stress and frustration, and I expect that Capital One will take prompt and appropriate action to resolve this matter. 

I look forward to your swift response and resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize or transactions that were incorrectly reported. Attached, you will find a detailed list of the accounts and entries in question. 
I am currently in the process of purchasing my first home for my family, and it is critical that my credit report accurately reflects my financial history to ensure fair and favorable mortgage terms. I urge you to review the attached documents thoroughly and remove the inaccurately reported accounts as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter will not only help rectify errors on my credit report but also facilitate a significant life eventthe purchase of our family home. I appreciate your immediate action in resolving these 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 2024-09-06 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:
Im writing you today to inform you that I'm disputingerroneousinformation on my credit file.In accordance with the Fair Credit Reporting act. The list of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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. 


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
The debt collection was report to the credit bureaus on XX/XX/year>. I notified the debt collection company that this debt doesnt belong to me. My identity was stolen 6 months ago including my social security number, drivers license. They refused to remove the collection account or provide any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

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 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 2024-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
The company has failed to meet the standards of the Us codes

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 2024-09-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This afternoon, I discovered unauthorized inquiries on my credit report and am unsure why they appeared. I routinely check my report, but this time, unexpected discrepancies surfaced. I even refreshed my browser, hoping it was a glitch, but the inquiries remained. Im extremely disappointed and frustrated and urgently request that my submitted documents be reviewed carefully to resolve this issue permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Im facing some serious issues with my credit due to this collection account. I never agreed to or signed any contract for this account. For a contract to be valid, both parties need to sign it, and I have not been part of any such agreement. Additionally, the collection company didnt follow the proper 5-step validation process required by law.

According to the FDCPA, Im entitled to compensation for these violations. Its clear that my rights have been ignored, and this has been really damaging to me personally. Im asking for this account to be removed from my credit report immediately. If this isnt resolved, Ill have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: SD

Complaint narrative:
I would like for you to make thorough investigation on these inaccurate accounts because they are heavily weighing on my mental health - because of how badly it affects my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Im writing you today to inform you that I'm disputingerroneousinformation on my credit file.In accordance with the Fair Credit Reporting act. The list of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Back in XXXX my password to Experian was exposed in a hack. Out of concern for security I went in to change the password. I was able to do this for XXXX and XXXX without any problems. Experian system locked my account and the reset password request is not working. I have spent countless hours on the phone trying to get through to a person after following all their instructions online and even from their chatbot. In addition, we sent them a letter with all the required information on XX/XX/XXXX as instructed from info on their site. We have spent so many hours over the past 2.5 months it is hard to recall the exact number but I'd say it's safe to say over 20 hours on the phone over that time period if you added them all up. We don't know what else to do at this point and are beyond frustrated with this experience.

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 2024-09-06 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681| ( 7 ). 
Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

XXXX XXXX XXXX XXXXXXXX Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I disputed it and they said that I owe debt of {$15000.00} and the amount is not correct. I have not recieved a debt validation letter showing me what I actually owe. This amount of {$15000.00} is incorrect amount. Allegedly they said I came into a retailer on XX/XX/year>XXXX  and signed for a debt of {$15000.00} which dates are incorrect and amount is incorrect. Ive disputed this several times, and reached out to the company Bridgecrest. I have not received debt validation, nor have I recieved have I received account numbers, or where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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:
The amount of times I have reached out to your company and not hearing anything back from you or about the accounts I am trying to get removed off my report is innumerable- or perhaps more stressing than anything. I can not get as much loan approvals because of the inaccuracies in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief