vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-07 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX, CT XXXX XXXX Account number XXXX Routing number XXXX Dear Management, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to formally address a serious issue regarding my account with Capital One, account number XXXX and routing number XXXX. Several months ago, I encountered difficulties with the physical verification process required by your institution. Despite numerous attempts to comply it by online, including multiple submissions of my passport via the online verification link provided, I faced persistent challenges due to my current location outside of the United States. Regrettably, this situation culminated in the closure of my account as determined by your verification department. What concerns me most is the substantial amount of {$8200.00} that remains in the now-closed account. I have contacted helpline multiple times regarding this matter ; however, I have been informed that my account is closed and that an inquiry is ongoing. As a long-standing customer who chose Capital One based on its reputation for serving foreign customers, I am disheartened by the difficulties I have faced. I kindly request that your management take immediate action to rectify this situation. I would greatly appreciate the prompt transfer of my funds to my business account, which is already linked to Capital One. The details for the transfer are as follows : - Bank Name : XXXX XXXX  - Address : XXXX, CT XXXX - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Routing Number : XXXX The funds in question represent a significant amount for me, and I urge you to consider my situation with empathy and urgency. I am hopeful for a swift resolution to this matter, which would restore my faith in your institution 's commitment to customer service. Routing Number : XXXX The funds in question represent a significant amount for me, and I urge you to consider my situation with empathy and urgency. I am hopeful for a swift resolution to this matter, which would restore my faith in your institution 's commitment to customer service. Thank you for your attention to this critical issue. I look forward to your prompt response. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: MO

Complaint narrative:
This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, but this time there were unexpected discrepancies. I tried refreshing my browser, thinking it was a glitch, but nothing changed. These false accounts remained, and now Im requesting a thorough review of the documents Ive sent so that I can finally stop worrying about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: Westlake Services, LLC
State: WV

Complaint narrative:
Back in XXXX of 2024, I noticed this company pulled a hard inquiry on my credit. 
I do NOT know this company, not did I authorize this action. 
For the past 5 months I have been trying to have them either remove the hard inquiry OR to show me proof that I authorized this action. This company has failed to act on either request. 
I am aware of my rights under the Fair Credit Reporting Act, and they are violating these rights. This is my last attempt to resolve this before I take official 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 explanation
Consumer complaint received 2024-10-07 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: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have been frustrated to contact with the Transunion Fraud-XXXX  XXXX XXXX during XXXX  since XXXX. I am tired of the hard working to get a living relay to help the understand communication access when the XXXX  keep circle or restrict limited communication. I am not interested to report security freeze. I rather report to the fraud department that someone theft my identity person. That's unacceptable very serious.

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 2024-10-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have inquiries on my credit report that I did not apply for at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: AL

Complaint narrative:
I have made multiple attempts to dispute Jefferson Capital System. I have no knowledge of this account. I have not signed, or provided my social security number for authorization of this to be on my credit report. As per USC 1681 ( c ) ( 2 ), I believe these reports may have been result of identity theft. The information is not information relating to any transaction by me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: NY

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: LA

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 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 2024-10-07 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: Kikoff Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. When I discovered this theft I filed a police report and investigated my various credit reports. Upon review, I found an account at Kikoff Lending that was not opened by me or with my knowledge or consent. I disputed this account directly with the credit bureaus and it was removed from my report, however, about a month later it returned to my credit report and I was told that the creditor suggested that this account was mine and to have it remain on my file. This is not the case. I understand that payments were made on this card but these payments were not made by me. It is my understanding that this card was opened online and sent to an address that was deemed fraudulent. Police report is attached here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: Informative Research
State: LA

Complaint narrative:
Informative research XXXX XXXX. I didnt give this company consent to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: MT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: IA

Complaint narrative:
I have tried calling transunion to remove this fraudulent inquiry from my credit report and they will not help me below is a list of inquiries that are fraudulent and is currently on my transunion credit report and it needs to be removed immediately as part of the fair credit reporting act this inquiry is fraudulent and needs removed This is the fraudulent inquiry XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-10-07 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: LA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: GA

Complaint narrative:
XXXX and Experian have violated my consumer rights repeatedly and allowed incorrect information to be reported on my consumer report without verification or adherence to the FCRA 1 ) Charge off accounts - Charge off accounts mean a creditor has written the debt off and has been made whole and therefore should issue a 1099cc to the consumer and this becomes income and income IS NOT reported on a consumer report, XXXX and Experian have failed to adhere to the law and failed to validate the debt multiple times even after being provided the 1099c from the consumer which shows no debt exists, they have caused serious harm to me and my family and i am entitled to damages for false reporting and reporting items that are not accurate

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 2024-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
On XX/XX/year> I had an appointment scheduled to open a business account at the Citizens bank office in XXXX XXXX. I had an appointment with XXXX XXXX or XXXX ) XXXX already have an personal account with them and I wanted to linked both accounts. She kept asking for the IRS number from my LLC business. I informed her I had it on my phone and she suggested I emailed it to her and she printed it out. And then, her branch manager came over and introduced herself. All of sudden, she started interrogated rudely about my new business. And then she wouldn't let me answer my questions. I told her I was new at opening a new business and just needed help. They refused to open an account for me even though I had all the required documents for them. I believe I was discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I reached out to Synchrony Bank regarding a XXXX XXXX store credit transaction after getting hit with a very large, and unexpected interest bill. I was told that my promotional rate had ended, therefore I was being charged back interest all the way to the account opening. This account opened with a balance of {$2500.00} in XX/XX/XXXX, and the promotional period ended in XXXX XXXX, when my balance at that time was only {$990.00}. When I learned of this crazy interest bill, I immediately took action and offered to pay Synchrony the full {$990.00} at that moment, to which they declined. I then asked an Attorney to submit them a letter in hopes that would help, but it did not. 

They are now trying to collect {$1500.00} in back interest and my statement is showing a balance of {$2500.00}, which is almost the exact same amount as when it started in XXXX XXXX. Do I have any rights or any way to dispute this? I've tried everything I know and I don't want to ruin my credit. I'm happy to pay for my purchase, but these interest rates are extremely excessive and in my opinion should even been illegal. 

I am asking for any guidance that you can offer, and I will gladly send over all documentation that I have received so far, if needed. Thank you

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 2024-10-07 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: SC

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 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 2024-10-07 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
Complaint Regarding UCB 's Failure to Provide Debt Validation Under FDCPA To Whom It May Concern : I am writing to file a formal complaint against United Collection Bureau ( UCB ) for its violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically its failure to provide timely and appropriate validation of an alleged debt in response to my written request.

On around a month ago, I spoke to a representative and requested a written request for debt validation to UCB under 15 U.S.C. 1692g of the FDCPA. PLEASE REQUEST RECORDING OF THE LAST CONVERSATION. This section mandates that debt collectors, upon receipt of a timely request for validation from a consumer, must cease all collection activities until they have provided proper validation of the debt. Despite my request, UCB has not responded with the required validation information, nor have they complied within the mandatory five-day period. 

Despite my timely request, UCB has failed to provide the required validation. After several days of waiting, I filed a formal complaint against UCB, and a CFPB representative responded to this complaint who stated that it was closed on XXXX on the basis that UCB would send a debt validation letter to me. However, it has now been more than 30 days since the the first inquiry and XXXX XXXX  since my complaint had been closed, and I have yet to receive any written documentation. 

This delay has persisted despite the FDCPAs clear requirement under 15 U.S.C. 1692g ( a ) that debt collectors must provide the consumer with a validation notice within XXXX XXXX  of the first communication concerning the debt. 

Legal Basis Under 15 U.S.C. 1692g ( b ), if a consumer disputes a debt or requests validation within 30 days of receiving the initial communication, the debt collector must stop all collection activities until it provides proper validation. UCBs continued failure to comply is a direct violation of this statute. 

Several court rulings reinforce the importance of timely debt validation. For example, in XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court emphasized that collection efforts must stop until proper debt validation is provided. Similarly, in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. App. XXXX ), it was ruled that failure to validate a debt upon request constitutes a violation of FDCPA requirements. 

Case law supporting these obligations includes : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court held that any further collection activity before the debt is validated violates 15 U.S.C. 169.

Company response to consumer: Closed with explanation