vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Subject : Capital One Follow-Up Consumer Opt-Out Dispute - Non-Compliance with Written Instructions To Opt-Out of Furnishing Data on my Consumer report for the Following Accounts XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the lack of response from Capital One after sending opt-out letters on both XX/XX/XXXX, XX/XX/XXXX, XX/XX/2023. 
Since then, the company has failed to meet my written instructions, and my consumer information continues to be disclosed without my consent. 
As a Federally protected consumer, I have opted out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to Capital One. This opt-out request aligns with my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
The ongoing disregard for my explicit opt-out directive is a clear violation of the Fair Credit Reporting Act, specifically 15 U.S.C 1681, 15 U.S. Code 6801, and 15 U.S. Code 6802. These violations compromise not only my privacy but also my ability to control the disclosure of my personal information. 
I am now submitting a formal dispute with the following requests : **Immediate Removal of All Furnished Accounts : ** I request that Capital One takes immediate action to remove all furnished accounts listed within this dispute from my consumer report. This request is in accordance with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802. 
**Compensatory Damages : ** In the event that Capital One willfully continues non-compliance with 15 U.S. Code 6802 by failing to honor my opt-out requests, I reserve the right to seek compensatory damages. I request that Capital One pays a minimum of {$1000.00} for every offense of willful non-compliance. 
The requested remedies are necessary to rectify the harm caused by the ongoing disclosure of my personal information without my consent. I appreciate your swift attention to this matter and request confirmation of the receipt of this dispute. 
I trust that the Consumer Financial Protection Bureau will investigate this situation promptly and take appropriate action to ensure Capital One complies with federal regulations. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: NY

Complaint narrative:
Hope this finds you well. My names XXXX XXXX, when I look on my credit report I see inaccuracies from the reporting of this card. One bureau says it's late one month, another says a different month. I've never noticed this with any other cards. I look forward to hearing back. I'll be attaching my credit report with the account #

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hope this finds you well. My names XXXX XXXX, when I look on my credit report I see inaccuracies from the reporting of this card. One bureau says it's late one month, another says a different month. I've never noticed this with any other cards. I look forward to hearing back. I'll be attaching my credit report with the account #

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hope this finds you well. My names XXXX XXXX, when I look on my credit report I see inaccuracies from the reporting of this card. One bureau says it's late one month, another says a different month. I've never noticed this with any other cards. I look forward to hearing back. I'll be attaching my credit report with the account #

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 2024-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2023 I initiated at XXXX transfer from my XXXX XXXX account to my Merril XXXX XXXX. While the transfer is being initiated, I have been trying to link my bank account to Merril XXXX on the XXXX, XXXX, XXXX, XXXX, XXXX, and the XXXX and I was told that I could not. On XX/XX/XXXX, I was told to send in a Eform with my account information and wait 24 to 48 hours and that my account will be linked. On XX/XX/2023, I called Merril XXXX asking for an update and the representatives tell me they dont know why my account has not been linked yet, that they will escalate this issue. That I should wait 24 hours and it should be linked. On the XXXX, after seeing my bank account still not linked, I requested a wire transfer withdrawal to my XXXX business account. On XX/XX/XXXX, I wake up to see my account has been disabled, and when I called, the representatives told me that my account has been under review for a couple days now and it will take 10 to 15 business days to review my account. Until then I am unable to log in and retrieve my funds. Merril XXXX has been harboring my funds and has not provided me any update. Due to unforeseen circumstances, Ive been trying to withdraw my funds and they have made it a hassle. If my account has been under review, why would they allow the XXXX transfer in the first place? Calling support has been a issue because they all say wait 24 hours for no prevail.

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 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XX/XX/XXXX I opened a credit card account with Chase Bank for a Sapphire Reserve card. My credit limit was {$33000.00}. The company increased my limit, without my request to {$36.00}, XXXX in XX/XX/XXXX. I made monthly payments that ranged from {$900.00} - {$4000.00}, in which my monthly minimum was {$400.00} - {$590.00}. In XXXX, XXXX - XXXX I had an avg monthly min payment of {$600.00} and paid an avg. XXXX XXXX monthly. In XXXX I made a {$600.00} payment with {$610.00} min. required. XXXX I did not make a payment with {$1200.00} min. required. In XXXX my credit limit went down to {$21.00}, XXXX. I made a XXXX XXXX monthly payment with {$600.00} min required. In XXXX the credit limit went down to {$20000.00}. I paid {$1000.00} and the min. required was {$580.00}. On a XXXX  month old account, I made one payment {$10.00} less the minimum and missed one payment. I IMMEDIATELY began my normal avg. monthly payments after the missed payment. No matter how much I pay this debt down it will CONTINUE to affect my credit negatively, due to credit card % utilization. I called and asked why is my credit limit continuing to decline and the reason given was due to credit score, which they are continuing to affect. This is a SCAM and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: MI

Complaint narrative:
The account with account/tradeline " XXXXXXXX XXXX " and partial account number XXXX reports as a C/O with an " On record until '' date of XX/XX/XXXX. 
The courts within my Federal Judicial District have published a case that demonstrates how C/O are established relative the Date of First Delinquency ( see attached ). To determine if an alleged payment history and accompanying charge-off were reporting accurately, the Court subtracted seven ( 7 ) years from the " Estimated month and year this item will be removed '' date. For the Experian credit reports this is the " On record until '' date. The " On record until '' date for the account herein is XX/XX/XXXX and applying the method demonstrated by the Court to the account herein, ie. subtracting seven ( 7 ) years, gives a Date of First Delinquency of XX/XX/XXXX. XX/XX/XXXX is a month that precedes the alleged charge-off by more than 180 days and does not report as a month with a delinquency. XX/XX/XXXX can not be the correct Date of First Delinquency for this account because the account does not reflect a 30-day late status for XX/XX/XXXX, implying the Date of First Delinquency is false or inaccurate. The payment history and alleged charge-off remarks are false or inaccurate for the account because there is no reliable Date of First delinquency. Thus the payment history between the computed Date of First Delinquency XX/XX/XXXX and present need to be removed.

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 2024-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Company XXXX XXXX XXXX is a fraudulent account reporting collections to my credit report for the amount of {$590.00} reported on XX/XX/22. This is due to identy theft. I have never signed a wet contractual contract or open an account with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I received a credit alert that a new inquiry for a Chase Credit Card was submitted on XX/XX/XXXX. The credit card applicant was declined but my information was still breached somehow. Someone also attempted and was able to successfully open a credit card using my sisters information ( XXXX XXXX ). 

I called Chase and they told me they didn't have any information on the application since it was declined, the info was deleted from their system. I asked if they would investigate since there were 2 breaches and they said no. 

I also called the credit bureau to get the inquiry removed and they noted they couldn't do anything until i filed a complaint with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 2024-01-01 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: CA

Complaint narrative:
XXXX XXXX  Reported a late payment Account name XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly Payment - Original balance {$34000.00} Highest balance - Terms 72 Months Balance history XX/XX/XXXX {$1600.00} Balance {$610.00} Schedule payment {$680.00} Paid on XX/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 2024-01-01 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: CA

Complaint narrative:
XXXX XXXX  Reported a late payment Account name XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly Payment - Original balance {$34000.00} Highest balance - Terms 72 Months Balance history XX/XX/XXXX {$1600.00} Balance {$610.00} Schedule payment {$680.00} Paid on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 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: CA

Complaint narrative:
Unauthorized inquiries on my TransUnion 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
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: KS

Complaint narrative:
account XXXX XXXX/ XXXX XXXX XXXX XXXX, I didn't know there was a bill, idenity theft had to be what happened. so therefore if i didn't make this bill it isn't mine. Im certain i never signed up for this. Please except My concerns on this matter. Have a wonderful Day. Happy XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
In late XXXX of 2022, I received a text that there was transaction activity in my Coinbase account. I could not sign in or even change my password. I have sent Coinbase multiple e-mails for assistance to no avail. As of now my account is still blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bridge IT, Inc.
State: OR

Complaint narrative:
My cash advance of XXXX was due on XX/XX/XXXX was paid early on XX/XX/XXXX via debit card and approved by my bank on XXXX The app suddenly told me I was over 153 days late and needed to pay immediately. 

On XXXX XXXX  withdrew another XXXX XXXX as well as told me that I still owed them money via app and email. 

I opened a ticket but they send me texts and messages insisting I owe them funds despite having paid them twice, one early on XXXX  and once when they removed funds from my account on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I HAD IDENTITY FRAUD AND A FRAUD ALERT ON MY CREDIT REPORT. CAPITAL ONE HAS NOT REMOVED MY CLOSED ACCOUNTS FROM MY CREDIT REPORT. I NEED CAPITAL ONE TO REMOVE ALL OF MY OLD CLOSED ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: AZ

Complaint narrative:
incorrect information on my 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 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I HAVE IDENTITY FRAUD ALERT ON MY CREDIT REPORT. I NEED CITIBANK XXXX CREDIT CARD REMOVED FROM MY CREDIT REPORT. IT WAS CLOSED AND ACCOUNT CHARGED OFF DUE TO MY IDENTITY BEING STOLEN.

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 2024-01-01 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: RS Clark and Associates, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX, Date opened : XX/XX/2023, Amount : {$1500.00}, I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX authorized Suttell & Hammer XXXX with their intent to sue me over alleged credit card debt in the amount of {$5700.00}. This letter, dated XXXX from this law firm, took me completely off-guard, and has lead to extreme XXXXXXXX XXXX XXXXXXXX since receiving. This debt has been on my credit report and reported as charged off by XXXX. If one was to look at my credit report, you would see that I have " Excellent '' credit, aside from this one erroneous blemish that XXXX and XXXX are determined to falsely report. This has affected me emotionally and psychologically, and has led to XXXX XXXX XXXX XXXX XXXX XXXX. Coupled with my entire industry being shut down for months due to strikes, with no earning potential or job prospects, and a potential law suit being hung over my head out of the blue, it has been an extremely difficult time for me and my family.

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 2024-01-01 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: AL

Complaint narrative:
I " XXXX XXXX XXXX '' have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.

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 2024-01-01 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have requested help from the Reporting Agency on multiple occasions but to no avail an as a result I continue to be harmed by what's being reported!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: WI

Complaint narrative:
I have changed phone numbers several times over the years due to personal reasons, somehow now my current number was not able to be validated by LexisNexis when I applied for a credit card. There was no specific explanation provided in the decision letter.

Company response to consumer: Closed with non-monetary relief