vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
My information has been stolen and it appears that someone has obtain credit using my personal information fraudulently. I am submitting this complaint to informed the creditor about the identity theft and i am expecting a quick response to remove this account from my credit profile immediately, Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information has been stolen and it appears that someone has obtain credit using my personal information fraudulently. I am submitting this complaint to informed the creditor about the identity theft and i am expecting a quick response to remove this account from my credit profile immediately, 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-07 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
This is a follow-up to my previous complaint. Barclay 's sent a replacement card to the one that was compromised but I don't know where they sent it as I have never received it. Someone has the card and is making purchases with it. The last XXXX of the card are XXXX. Found out about this card when I received Barclay 's response to my first complaint. Again, no one will speak to me, give me access to the account or allow for any payments unless I send a copy of my Driver 's license and Social Security Card front and back and my bank statement. Since I feel this is an inside job, I am not willing to send these 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 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
This situation is beyond frustrating. Waking up to find a debt I have no knowledge ofunverified and completely unrelated to meis both shocking and unacceptable. On top of that, I am being harassed through multiple communication channels with different tactics, as if I am responsible for something I had no part in. I never imagined I'd be dealing with threats of legal action over breakfast. As a law-abiding citizen, it is both insulting and a blatant violation of my consumer rights. This has taken a serious toll on my XXXX  XXXX, and I have been losing sleep over it for days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NJ

Complaint narrative:
I am writing to formally request the removal of an item from my credit report due to non-compliance with FCRA guidelines. The information in question fails to meet the standard for accuracy as outlined by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
They ran my credit without consent, and they used the wrong name for me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
They ran my credit without consent, and they used the wrong name for me

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 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Debt Validation Request under the Fair Debt Collection Practices Act To Whom It May Concern, I am writing to formally request validation of an alleged debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I request that you provide proper verification of this debt before any further collection activity continues. 
. 
Specifically, I request the following information : 1. The original creditors name, address, and account number associated with this debt.

2. A copy of the original contract or agreement that legally obligates me to this debt.

3. The complete payment history, including the balance, interest, and fees added to this debt.

4. A copy of the assignment contract or agreement that demonstrates your legal authority to collect on this debt.

5. Proof that the statute of limitations has not expired for the collection of this debt.

6. The name and address of any other entity that has owned or purchased this debt.

Pursuant to 15 U.S.C. 1692g ( b ), you are required to cease collection efforts until this requested validation is provided. If you fail to furnish the requested documentation within the legally prescribed timeframe, I will consider this matter closed and any further collection attempts a violation of my rights under the FDCPA. 
Additionally, I request that all communication regarding this matter be conducted in writing only. Please do not contact me via phone at any time. 
This letter serves as a formal dispute of the debt. If you report this debt to any credit reporting agencies before properly validating it, I will consider it a violation of the Fair Credit Reporting Act ( FCRA ) and will not hesitate to take further legal action to protect my rights. 
Please respond in writing within 30 days of receiving this request. Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am reaching out regarding an inquiry on my credit report that I did not authorize and that has no permissible purpose. This is a violation of my rights, and I am requesting that this unauthorized inquiry be promptly removed from my 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 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I opened a XXXX XXXX credit card with Comenity Bank. In XXXX, I enrolled in automatic payments which would automatically pay my statement balance in full by the due date of each month. In XX/XX/XXXX, I was attempting to use the credit card at a gas station when the card was declined. I opened my app to see that the balance was past due and I had accrued substantial interest charges in the amount of {$83.00}.

I called customer service to inquire why my auto pay was not active and was told that it takes 1-2 billing cycles for the automatic payments to begin. I did not receive notice at the time of my enrollment that auto pay would not be effective at the time of my enrollment. I asked for the interest charge to be waived, but was told the company could only waive up to {$10.00}, which they did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX XXXX Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX Dispute Team, I am writing to formally dispute inaccurate information on my credit report. I recently obtained a copy of my XXXX credit report, and I noticed incorrect details regarding an account with Capital One that I would like to have corrected. 
The specific account details are as follows : Creditor : Capital One Account Number : Status : Closed Date Opened : XXXX XXXX Date Closed : XX/XX/year> Reported Balance and Limits : {$160.00} Issue : The report states that the account was " previously in dispute investigation complete, reported by data furnisher. '' However, I do not agree with this outcome and believe that the information remains inaccurate. Additionally, I believe this balance is inaccurate. 
Requested Action : I kindly request that you reinvestigate this matter and update my credit report to reflect the correct and accurate information. Please provide me with written confirmation of the results of your reinvestigation. If the data can not be verified, I request that it be removed from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please investigate this matter and update my report accordingly. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: OR

Complaint narrative:
Was contacted by XXXX XXXX XXXX at phone number XXXX ( XXXX ) XXXX about about a XXXX XXXX XXXXXXXX XXXX XXXX debt. After I already paid them XXXX I contacted a lawyer and found out it was indeed a scam

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 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Failure to Resolve Dispute and Unauthorized Charge Capital One Complaint : On XX/XX/2025, I attempted to make a {$170.00} payment to XXXX using my Capital One account. The first transaction did not appear to go through, so I processed a second payment, which was successful. However, my bank statement shows that both transactions were withdrawn from my account. 

I filed a dispute with Capital One on XX/XX/2025, and on XX/XX/2025, they refunded one of the {$170.00} charges. However, they failed to refund the second {$170.00} charge, even though XXXX has confirmed that they did not receive it. 

I visited a XXXX  store and reviewed their sales records for that date, which showed only one payment was received. The store manager even provided me with a business card and was willing to confirm that XXXX never received the first disputed transaction. However, because the {$170.00} payment that XXXX actually received was disputed, they are now billing me again for that amount. 

Despite my repeated attempts to resolve this, Capital One has failed to refund the second {$170.00} charge. Under the Electronic Fund Transfer Act ( EFTA ), Capital One was required to investigate and respond within XXXX business days or issue a provisional credit while investigating. It has now been well over that timeframe, and I am still without a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-07 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
this debt collection agency claims to have purchased a debt of mine from an original creditor that i have no clue they are or what the original debt was for. they sent me a letter dated XX/XX/year> stating that if i do not pay the balance of {$900.00} by XX/XX/year>, they intend on filing a lawsuit against me. The letter wasnt received until today, XX/XX/year>. after opening the letter, within mins of receiving it from the mailman, i went to their site to view my " charges '' as directed on the letter. in order for me to view my charges, i had to VERIFY MY INFORMATION, which is to be expected. I found a chat button and attempted to speak with a representative. before i was able to speak with a rep, i had to once again VERIFY MY INFORMATION with the chat bot. then i was able to get with a live rep. when attempted to request a FULL VALIDATION OF DEBT, the live rep asked AGAIN for me to VERIFY MY INFORMATION!! why am i verifying my information OVER AND OVER to a company that I DO NOT KNOW for a charge THAT I HAVE NO KNOWLEDGE OF!! this rep because extremely rude and denied my request thats IN WRITING multiple times for a validation of debt. While trying to explain to the rep their legal obligation and my rights, she disconnected the chat making it to where i could no long respond. I then started a new chat with a new rep, WHO DID THE EXACT SAME THING and denied my request that was asked MULTIPLE times in the chat with her. I also asked for their legal dept information to which the second rep ended the chat in response. 

They have also sent me text message to my cell phone without my permission.

Company response to consumer: Closed with non-monetary relief