vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is currently reporting negatively on my account. This was a grant from a school that I attended XXXX. I paid the debt in full and it is still illegally being reported.

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 2024-02-06 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: IL

Complaint narrative:
I am writing to request the method of verification for dispute initiated on ( XX/XX/2024 ) and the subsequent response received. 

RE : XXXX XXXX XXXX Mo debt, XXXX Please send the following information used to verify of XXXX XXXX XXXX XXXX debt XXXX. 

1 : The name of the original creditor 2 : The creditors address and telephone number 3 : The persons name they verified the dispute with 4 : The documentation used to verify the dispute 5 : any signature verifying the debt claiming to belong to me In accordance with FCRA, Section 611. I am requesting this information to review completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlying the steps that will occur to receive this matter. If I do not receive a response I will have no choice but to excise my right under FCRA. Section 616. And pursue legal action.

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 2024-02-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to request the method of verification for dispute initiated on ( XX/XX/year> ) and the subsequent response received. 

RE : XXXX XXXX XXXX XXXX debt, XXXX Please send the following information used to verify of XXXX XXXX XXXX XXXX debt XXXX. 

1 : The name of the original creditor 2 : The creditors address and telephone number 3 : The persons name they verified the dispute with 4 : The documentation used to verify the dispute 5 : any signature verifying the debt claiming to belong to me In accordance with FCRA, Section 611. I am requesting this information to review completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlying the steps that will occur to receive this matter. If I do not receive a response I will have no choice but to excise my right under FCRA. Section 616. And pursue legal action.

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 2024-02-06 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: PA

Complaint narrative:
In XXXX XXXX as a current credit card, in great standing, holder I was checking my payment amount due in their app. While looking at my transactions a promo ad popped up stating if I changed cards, from my current Venture card to a XXXX card, and used the new card XXXX number of times within a XXXX ( I believe ) period they would give me a {$200.00} bonus credit on my new XXXX card. 

Since it was a pop-up ad within their app I could not print out the requirements for proof but I read them clearly & agreed to close my XXXX card, allowed them to run credit check, & receive a new XXXX card. 

I completed the required usage within the XXXX period but have not received the {$200.00} bonus credit. 

I contacted their Support Center today to ask about the credit & was told that promo was only for new customers. If only new customers, why would it appear while I was logged into their app with all my credit card info showing? Feels like a bait & switch.

I also asked what was the advantage of changing cards within their corporation since it caused additional work on my end? I was told it has to do with different rewards programs. I never would have switched for just different reward options. That is not relevant to me. I was interested in the {$200.00} bonus as a longtime customer of theirs. Due to new card I had to contact all my creditors with auto deduct to alert them to new number, expiration date, etc. It was alot of extra work for me yet I have not received the expected bonus. Seems shady to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
My right to privacy is being infringed upon by Innovis. This Company is disclosing my nonpublic personal information to non-affiliated third party companies such as XXXX, XXXX and XXXX after I have instructed them to cease in doing so via an opt-out notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Account info Account name XXXX XXXX Account number XXXX Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ) Experian XXXX XXXX and XXXX XXXX I am writing to complain an unauthorized inquiry that appears on my consumer credit report. Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. Removing this inquiry is essential to safeguarding my identity and protecting my credit standing. I kindly request a thorough investigation into this matter and prompt action to rectify the unauthorized inquiry. Upon completion of your investigation, please provide written confirmation of the removal of the unauthorized inquiry from my consumer credit report. Thank you for your attention to this urgent matter. I trust that you will handle this complaint in accordance with FCRA regulations and take appropriate steps to resolve it promptly. 
Sincerely, 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 2024-02-06 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: CA

Complaint narrative:
This credit reporting company is not properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: Chime Financial Inc
State: IL

Complaint narrative:
I received email and text messages about opening an account with Chime. I called them because Ive never opened an account with them. They requested my email address and DOB ( which I was uncomfortable giving ) which I provided. I was told that an account was open but when I requested information about when it was opened? Or how it was opened? Or was there any charges? Or how much of my information did they have? I was told that he couldnt give me any information. How can I try to pinpoint who did this if they wont give any details? After XXXX  this, Ive learned that this has happened to multiple people and this is not ok. Is the company itself scamming us?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ) Dear XXXX XXXX Transunion XXXX XXXX I am filing a complaint an unauthorized inquiry that appears on my consumer credit report. Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. Removing this inquiry is essential to safeguarding my identity and protecting my credit standing. I kindly request a thorough investigation into this matter and prompt action to rectify the unauthorized inquiry. Upon completion of your investigation, please provide written confirmation of the removal of the unauthorized inquiry from my consumer credit report. Thank you for your attention to this urgent matter. I trust that you will handle this dispute in accordance with FCRA regulations and take appropriate steps to resolve it promptly. Sincerely,

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ) Dear XXXX Equifax XXXX XXXX XXXX I am filing a complaint an unauthorized inquiry that appears on my consumer credit report. Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. Removing this inquiry is essential to safeguarding my identity and protecting my credit standing. I kindly request a thorough investigation into this matter and prompt action to rectify the unauthorized inquiry. Upon completion of your investigation, please provide written confirmation of the removal of the unauthorized inquiry from my consumer credit report. Thank you for your attention to this urgent matter. I trust that you will handle this dispute in accordance with FCRA regulations and take appropriate steps to resolve it promptly. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A.
State: UT

Complaint narrative:
There is a litigation block on my account and I can not contact the company about a new fee that has been assessed to my account, without my knowledge or permission. It is showing a check disbursement of {$540.00} with no additional information. 

A presentment was sent to XXXX XXXX on dated XX/XX/XXXX, there is no mail stamp date on the envelope. It shows a new fee of {$540.00} that was disbursed from XXXX XXXX 's mortgage account in a form of a check. XXXX XXXX made a call to PNC Bank on XX/XX/XXXX to check on the Fee. A recording came on advising XXXX XXXX. of a litigation block on the account. The account is not in arrears and there is no known pending litigation for the alleged loan for XXXX XXXX. XXXX that the XXXX XXXX is not in litigation with PNC BANK and hasn't been since XXXX XXXX  XXXX. If there is open litigation, XXXX XXXX requests proof of any open litigation. 

XXXX XXXX requests the following information from PNC BANK : 1. Provide information on what the {$540.00} fee is for that was charged on XX/XX/XXXX 2. Remove litigation block or provide reason why it is still in place, as there is no open litigation, or provide proof of open litigation. 
3. Provide approval signatures for the disbursement that was made without XXXX XXXX 's approval or knowledge. 
4. PNC Bank is requested to provide a fee schedule that was signed during the alleged loan process with XXXX XXXX and provide proof that XXXX XXXX acknowledged and signed for this fee schedule during the loan process. 

Signed By : XXXX XXXX XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a collection account that appears on my credit report from XXXX XXXX, XXXX which I do not recognize. I am requesting that you investigate this matter and provide proof of the validity of this debt. If no proof can be provided, I request that this account be removed from my credit report immediately. Details of the disputed account are as follows : Account Name : XXXX XXXX XXXX Collection {$3000.00} I have no knowledge or record of this debt, and I have never been contacted by XXXX XXXX  or any collection agency regarding this alleged debt. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of any debt that appears on my credit report. I am exercising this right and expect a prompt response. Please provide the following information : A copy of the original signed agreement or contract. A detailed account statement showing all charges, payments, and adjustments. Proof of the assignment or sale of this debt, if applicable. Any other relevant documentation that can validate this debt. If you can not provide the requested documentation, I kindly request that this account be deleted from my credit report. Failure to validate this debt or continued reporting of this unverified debt can be considered a violation of the FCRA, and I will take necessary legal actions if required. I appreciate your prompt attention to this matter. Please respond in writing within 30 days of receiving this letter, confirming the actions taken in response to my dispute. Thank you for your cooperation. Sincerely,

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a collection account that appears on my credit report from XXXX XXXX, XXXX which I do not recognize. I am requesting that you investigate this matter and provide proof of the validity of this debt. If no proof can be provided, I request that this account be removed from my credit report immediately. Details of the disputed account are as follows : Account Name : XXXX XXXX XXXX XXXX {$3000.00} I have no knowledge or record of this debt, and I have never been contacted by XXXX XXXX or any collection agency regarding this alleged debt. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of any debt that appears on my credit report. I am exercising this right and expect a prompt response. Please provide the following information : A copy of the original signed agreement or contract. A detailed account statement showing all charges, payments, and adjustments. Proof of the assignment or sale of this debt, if applicable. Any other relevant documentation that can validate this debt. If you can not provide the requested documentation, I kindly request that this account be deleted from my credit report. Failure to validate this debt or continued reporting of this unverified debt can be considered a violation of the FCRA, and I will take necessary legal actions if required. I appreciate your prompt attention to this matter. Please respond in writing within 30 days of receiving this letter, confirming the actions taken in response to my dispute. Thank you for your cooperation. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: CA

Complaint narrative:
Greetings, My name is XXXX XXXX and my Loan # is XXXX. Back in XXXX I purchased a home and set up auto pay. After one month I found out my loan would be serviced by LoanCare LLC. I waited for some contact, but apparently the contact information regarding how my loan would be handled and the loan number were mailed to a house I was not living at yet and did not have a mailbox. When I received the initial loan, my current address, email and phone number were given to the originator of the loan.. 
I called in at the start of XXXX, when no one had reached out to me from LoanCare, and I was told everything was good, just make your payments going forward and everything would be fine. 

Later I found out that I was in a 60 day grace period when I started receiving letters to my address that showed I had late fees. I called in and it was explained to me about the grace period and we worked out a repayment plan. On the same call they let me know that since the account was past due, my auto pay would not work. 

In XXXX I went to manually make the XXXX payment and from my bank account I could see the auto pay tried to come out at the same time. There was not enough money to handle the mortgage payment twice. This was attempted again before I could get things cleared up and get the payment in. By the time I could get the payment in, the report to my credit was already going to be made. 

I have since made up the payment, that should have never been behind, and LoanCare customer service removed all the late fees except one. They recommended I write a letter detailing what happened in hopes this situation could be cleared up and my credit be changed to reflect good standing and no late payments. Instead they denied any error in reporting and I assume they feel the situation did not warrant any further steps by them. 

Thank you in advance for your time and consideration. I hope this letter finds you well. 

Very respectfully, XXXX XXXX XXXX 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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: OH

Complaint narrative:
XXXX Account number XXXX XXXX : Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ), I am writing to file a complaint of unauthorized inquiry that appears on my consumer credit report.

Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. t. 
Thank you for your attention to this urgent matter. I trust that you will handle this complaint in accordance with FCRA regulations and take appropriate steps to resolve it promptly. 
thank you

Company response to consumer: Closed with explanation