vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UPGRADE, INC.
State: NE

Complaint narrative:
On XX/XX/year> there was a charge for {$6900.00} charged to my card, which was not authorized. Unfortunately I did not realize the merchant had stolen my identity until later XXXX when I started receiving multiple letters from banks either denying or requesting more verification information on my " credit card applications ''. 

I called Upgrade to dispute this transactions, they provided provisional credit and request I send in police report and personal statement. I did this. I have a time stamped email that this was sent to them on XX/XX/year>. I was given Dispute Case ID XXXX. 

I later receive an email stating they have decided to deny my dispute and that I had a certain time-frame in which I could appeal. Immediately we reached out within the deadline of appeal and they continually told me I was unable to re-open. I asked what reasoning was possibly provided to even begin to prove this charge was not unauthorized or fraudulent. All they could tell me is the actual merchant never presented any substantiation, rather they denied based on " not receiving '' the requested police report and statement, which mind you I did send and resent again to an email of their choosing. 

Furthermore, the representative I spoke with on XX/XX/year> went as far to confirm that she could clearly see this fraudulent. She was able to see that the merchant had to attempt multiple different expiration dates before they could even get the charge to go through. Not once, did Upgrade think to call or flag this charge which is even more concerning.

Upgrade has just thrown their hands up on this and will do nothing to help and expect me to pay for a charge I did not authorize or make from a company whole stole my identity and went out and started applying for credit in my name.

I can not believe Upgrade will not stand behind their 0 % fraud liability claims on fraudulent charges. I need them to successfully process this dispute and reverse/chargeback this fraudulent charge. 

I submitted a CFPB complaint on the merchant as well, but unfortunately CFPB was unable to find the merchant - so we did submit an ic3.gov complaint on them. 

The way Upgrade has chosen to handle this situation is beyond disgraceful and not in the least bit customer forward. How am I supposed to trust that Upgrade and XXXX have my back here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX Account owner Joint Account Original Creditor XXXX XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXXXXXX  Balance owed {$13000.00} XXXX XXXX XXXX XXXX  High credit amount {$3100.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Reported balance {$3400.00} Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: AZ

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 2024-11-29 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: AZ

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 2024-11-29 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: UT

Complaint narrative:
Sent certified letters to Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/year> to remove unauthorized inquiries and the response from Experian via email is as follows : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/XXXX '' The information was sent by me and authorized by me via certified mail/return request. And Experian refuses to take any action of my requests.

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 2024-11-29 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: NY

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. 
Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

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 an account without any 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 XXXX 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 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 2024-11-29 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: NY

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. 
Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

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 an account without any 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 XXXX 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 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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX My Date of birthday is : XXXX XXXX. 
My Social Securite Number 's is : XXXX Phone Number is : ( XXXX ) XXXX Dear CFPB Accounts : Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : - Original Balance : {$1500.00} Date Opened : XX/XX/2021 Errors : XXXX-Why is the Balance Histories not reported?, Why did XXXX delete it?, Now it is even more incomplete, Is it supposed to be reported month after month?, Show me the complete payment history month by month with your balance, your Scheduled Payment each months, how much i paid each month in Experian, Why did you delete the Balance Histories?, You couldn't verify the account and preferred to block it?, Fix and provide all this months in the Balance Histories in Experian or delete the entire account. 

XXXXWhy don't the XXXX payments I made of XXXX appear in the statements you sent? I attach proof of the payments I made.XXXX  continue to report false, misleading and inaccurate information If you are unable to comply with Regulation V and comply with the FCRA, why do you continue to report an account that you are unable to correct and report accurately? 

Provide experian with a Balance History for all months or delete the entire account. 

Sincerely 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 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
American Express violated the credit card act of XXXX. They charged interest on XXXX balance account. Balance was paid off on XX/XX/XXXX and they charged interest on XX/XX/XXXX. They told me they can't refund the Interest and they did not do anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: AZ

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-11-29 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$960.00} Amount {$960.00} Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1600.00} Amount {$1600.00} Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX Recent balance {$3100.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Recent balance {$250.00} Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX XXXX Recent balance {$1900.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$150.00} Date opened XX/XX/XXXX Account name XXXXXXXX XXXX Account number XXXX XXXX Recent balance {$460.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX Recent balance {$450.00} Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-11-29 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: CA

Complaint narrative:
This is a letter putting kohls on notice if not striken from my consumer report i willbe submitting a claim to the proper courts of the jurisdiction necessary so indentured XXXX  XXXX XXXX be on notice Well my account is longer than 7 years I have also requested much information certificate of indebtedness history of payments since they charged off the account but still reporting I have a balance um 1099 c but this they have broken numerous violations and not in line with the fcra I ask that this account be wiped and removed from my consumer report it's a On there unlawfully

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-11-29 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: HI

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX  ( XXXX ) ( XXXX XXXX XXXX XXXX  ) 15 U.S.C. 1681 section 602a State I have the right to privacy.

15 U.S.C. section 602a it also States a consumer reporting agency can not furnish a account without my written instructions

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 2024-11-29 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: HI

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX  ( XXXX ) ( XXXX XXXX XXXX XXXX ) 15 U.S.C. 1681 section 602a State I have the right to privacy.

15 U.S.C. section 602a it also States a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I filed a XXXX  XXXX a few months ago when they tried to pay Capitol One they said they give me a bill or anything until the 13 was discharged now it is I tried calling them on a recorded line. The first gentleman said that they could settle this for less than the full balance when I asked if it would show up on my credit report or anywhere else as settle for less than full balance he said no when I asked him again if a settlement would show up as negative on my credit bureau or anywhere else very clearly he answered no what I told him I would sell this, but we are on a recorded line. He claimed I can't do this and hung up. He tried lying twice about this, and when he was informed it was recorded he hung up I called back and spoke to a supervisor. I very simply want to pay them, but I am not going to pay a yearly fee for something they choose to shut off I told the supervisor XXXX that I would pay it minus the yearly fee if they were going to shut it off or they could reopen the account that I'm paying for and I would pay it. She told me that neither was an option I had to pay in full and the fee or nothing please help.

Company response to consumer: Closed with explanation