vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 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: CA

Complaint narrative:
I signed up for the capital one venture XXXX credit card using a referral link that was sent to me. The sign-up promotion promised me XXXX bonus miles or points if I spent {$4000.00} within the first three months. I called on XX/XX/year> to inquire on the status of how much I have spent to date. I was advised that I had spent around {$4300.00}. However, I was advised that the bonus miles promotion was not associated with my account. I then asked to speak to a supervisor ( employee ID = XXXX ) and I was advised that the reason as to why I do not have this promotion on my account is because my credit was deemed as good '' and not " excellent '' at the time I applied. Im not sure how this is possible because my credit score would have been over XXXX at the time that I applied for this credit card. The only reason why I applied for this credit card and I have been putting all of my spending on it was because of the promise of the XXXX bonus miles if I met the minimum spend which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mendelson Law Firm
State: MS

Complaint narrative:
This attorney represented a company who claimed I owed a debt. The debt was paid in XXXX. This office recently submitted a garnishment and money was taken from my check in the amount of {$720.00} on XX/XX/XXXX. I spoke with the attorney who ensured me the funds would be returned to me as the debt is satisfied. I was told to call the office if the check wasn't received by XX/XX/XXXX. I have left several messages with the office and no one has returned my call.

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 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
I lost my Discover credit card and unauthorized charges were made on the account. I never made those charges and they told me I am responsible for the charges. I them I was not the person that made it. They question me why I did not report the charges earlier and I was going through difficult times and family problems. I only logged in to check my rewards balance and I did not view the statements. I do not use this card that often. I only made a payment towards my XXXX charges. They declined the response. XXXX from the executive office emailed me and told me he will be looking into my case and he did not. He did not email me back and the balance is still on my card. I canceled the card and will not be using the company anymore until this matter is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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 XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : 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 2024-10-08 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:
I am a victim ofXX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XX/XX/XXXXXXXX - Account Number : XXXX Account Name : XXXXXX/XX/XXXXXXXX - Account Number : 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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: TX

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX - XXXX - XX/XX/year> - {$28000.00} Bankruptcy - XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
To Portfolio Recovery : ( This is the 3rd Letter Sent To Your Company ), prior 2 certified letters. 
XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Acct # XXXX RE : Cease and Desist Request and Deletion Of Collection Account From My Credit Reports, XXXX, XXXX, XXXX and XXXX. This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account number XXXX. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phones calls, letters, emails, or any other means of conduct. XXXX Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit reports listed above, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies listed above. XXXX Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: IL

Complaint narrative:
I am reaching out for your help with this wrong account that is affecting my credit report. This issue has tarnished my reputation, and I need your immediate assistance. Your improper actions have damaged my reputation, and you must remove this incorrect information.

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 2024-10-08 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-08 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX Balance : {$170.00} XXXX XXXX Account number : XXXX Balance : {$160.00} XXXX Account number : XXXX Balance : {$1200.00} XXXX XXXX XXXX Account number : XXXX Balance : {$92.00} XXXX XXXX  Account number : XXXX Balance : {$1200.00}

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 2024-10-08 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: IL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-10-08 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: IL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-08 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:
Hello, I have requested for a 1099c form from the original creditor XXXX XXXX which they denied and stated they could not find my account by my social security or birthday. From my knowledge the creditor is supposed to provide the 1099c form after placing the account under a written charged off account. Not only that, the creditor is updating my credit report agency Trans union and XXXX as Charged off repeatedly every month which is false information that ' falls under the law of 15 U.S.C 1681. The account been closed since XX/XX/XXXX. However, the Charge off is still reporting across the board as a late payment as of XX/XX/XXXX as if the loan been charged off every month.

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 2024-10-08 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: Possible Financial Inc
State: TX

Complaint narrative:
Hello, I have requested for a 1099c form from the original creditor Possible Finance which they denied and stated they could not find my account by my social security or birthday. From my knowledge the creditor is supposed to provide the 1099c form after placing the account under a written charged off account. Not only that, the creditor is updating my credit report agency XXXX XXXX and XXXX as Charged off repeatedly every month which is false information that ' falls under the law of 15 U.S.C 1681. The account been closed since XX/XX/XXXX. However, the Charge off is still reporting across the board as a late payment as of XX/XX/XXXX as if the loan been charged off every month.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
didnt know the credit card was being used. I paid the discounted rate in XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to the account listed above with XXXX XXXX XXXX This is the third time addressing this matter, After reviewing my credit report, I found several discrepancies that I believe warrant immediate attention and correction. 

1. Reported Balance vs. Charge-Off Amount : The account shows a reported balance of {$0.00}, while also indicating a charge-off amount of {$990.00}. This inconsistency is misleading and creates confusion regarding the actual status of my account. 

2. Inconsistent Payment History : While the last payment was made in XX/XX/XXXX, the account continues to reflect a charge-off status and lists ongoing delinquencies through XXXX. This does not align with the standard reporting practices. 

3. Date of First Delinquency : The account states a date of first delinquency as XX/XX/XXXX, which conflicts with the last payment date. This discrepancy raises questions about the accuracy of the reported delinquency date. 

4. Inaccurate Delinquency Reporting : Despite the account being closed in XX/XX/XXXX, it shows ongoing delinquencies from XXXX to XXXX. According to the Fair Credit Reporting Act ( FCRA ), negative information must be removed after a certain period, and this reporting is clearly in violation of that law. 

5. Lack of Clarity in Reporting Terms : The account indicates a terms frequency of " MONTHLY '', but the activity designator is vague, labeled as " TRANSFER_OR_SOLD. '' This lack of clarity can lead to further misunderstandings regarding the account 's current status. 

6. Inaccurate Account Closure Date : The account was closed in XX/XX/XXXX, yet ongoing charge-offs and delinquencies beyond this date suggest significant errors in the reporting period. 

Given the aforementioned discrepancies, I respectfully request the immediate removal of this account from my credit report. This is my third attempt to resolve this matter, and I believe it is crucial for accurate information to be reflected in my credit history. 

Please conduct a thorough investigation into this matter and update me on the outcome as soon as possible. I have enclosed copies of relevant documents supporting my dispute for your review. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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:
Hello, I have requested for a 1099c form from the original creditor XXXX XXXX  which they denied and stated they could not find my account by my social security or birthday. From my knowledge the creditor is supposed to provide the 1099c form after placing the account under a written charged off account. Not only that, the creditor is updating my credit report agency XXXX XXXX and Experian as Charged off repeatedly every month which is false information that ' falls under the law of 15 U.S.C 1681. The account been closed since XX/XX/XXXX. However, the Charge off is still reporting across the board as a late payment as of XX/XX/XXXX as if the loan been charged off every month.

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 2024-10-08 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My XXXX XXXX changed from XXXX to XXXX and they didnt ask me. This change made my credit report drop XXXX points! I also did not get correct rewards, I spent over {$3000.00} on last statement and only have @ {$11.00} in rewards whereas it should be over {$30.00}.

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 explanation
Consumer complaint received 2024-10-08 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: GA

Complaint narrative:
I am writing to bring to your immediate attention that I have been a victim of identity theft, which has resulted in the unauthorized opening of accounts in my name. I have not authorized these accounts, and they are the result of fraudulent activity. This situation has caused me significant distress and inconvenience. Below is a list of the fraudulent accounts that have been opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you take the following actions immediately : 1. Remove all fraudulent accounts listed above from my credit report.

2. Delete any associated negative information related to these fraudulent accounts.

3. Notify me in writing once these actions have been completed. 

According to the Fair Credit Reporting Act ( FCRA 605B ), I expect these items to be removed from my credit report within four ( 4 ) business days of receipt of this letter. Please find enclosed a copy of my Identity Theft Report, proof of my identity, and any other necessary documentation to facilitate the prompt removal of these fraudulent items.

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 2024-10-08 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: IL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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