vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: WA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 credit reporting agency, delete 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 an account opened at XXXX XXXX XXXX XXXX XXXX XXXX  under the account number # XXXX, for the amount of {$1300.00}. This account has resulted in a fraudulent collections account 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 non-monetary relief
Consumer complaint received 2025-01-12 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: WA

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 credit reporting agency, delete 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 an account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number # XXXX, for the amount of {$1300.00}. This account has resulted in a fraudulent collections account 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 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 2025-01-11 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:
Recently i looked a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Items i am asking you to verify as accurate : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I don't understand if those items were disputed and deleted from my credit report why they're still showing on my credit report as a negative item, this is really unfair to me This negative item shouldnt be on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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:
XXXX failed to conduct a proper investigation of my credit report disputes, despite my submission of supporting documentation, including an Identity Theft Report and proof of payment. Disputed accounts include fraudulent accounts, incorrect balances, and inaccurate reporting. I request CFPB assistance to ensure compliance with the FCRA and resolution of these disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In according with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 it also state a consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I have the Chase Sapphire Reserve ( CSR ) credit card. They advertised an offer for {$200.00} off a {$400.00} purchase at a retailer called XXXX. I activated this offer on XXXX, made a purchase totaling {$400.00} on XXXX. The retailer shipped the order out in 3 shipments, and the payment posted in 3 postings accordingly. The fine print of the order says if this happens, call Chase to ensure we get our credits. I have called no less than 17 times, I have sent emails, secure messages, and letters. They have not honored my {$200.00} and keep telling me that this is a known issue that they have escalated to the phantom marketing team who no one is able to get ahold of. Every time I call they say please allow us 5-7 business days. Then the requisite wait time passes and they say oh please wait another 10-14 business days This is an absurd way to avoid paying out what they have promised their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TN

Complaint narrative:
Capital one closed my accounts Acct Numbers and did not inform me. one account was a business acct. Spark acct number ending in XXXX which was not a personal card and XXXX other cards Quick silver ending XXXX and platinum card XXXX Capital One closed my credit card accounts without warning My business card and quicksilver card were in good standing. I never received a notice stating that my accounts were being closed. However, I believe this decision is unfair because I was not provided with sufficient notice, This has caused significant inconvenience, including, losing access to funds and affecting my business and personal credit.

I got in touch with their customer service representative, and they told me there was nothing I could do.

I am requesting that Capital One reinstate my accounts or provide a detailed explanation for their closure. Additionally, I ask for any negative reports to my credit history resulting from this issue to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: VA

Complaint narrative:
I am a victim of identity theft. I have never given any permission for any consumer reporting agency to furnish my credit report. In light of the data breach at XXXX and other institutions, my privacy has been compromised. 15 US 1681 ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer credit report with the written instructions from the consumer to whom the report relates. Permissible purpose is written consent, I have never given written consent therefore this is also 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 explanation
Consumer complaint received 2025-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
My personal information has been exposed in a data breach and is reflecting negatively on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX ) I deposited several XXXX XXXX money orders in ATM XXXX ) Three of the money orders were processed ok ; the fourth was returned as invalid. The amount of the deposit was taken from my account ( {$100.00} ). Along with the notice ( attached ) was a note saying, " This is a LEGAL COPY of your check. You can use it the same way you would use the original check. 
XXXX ) I went to the branch and tried to cash the " LEGAL COPY ''. They wouldn't cash it, but said it had to be deposited again. 
XXXX ) So I deposited it again into the same account and the receipt said there would be a " hold '' on the deposit. 
XXXX ) I then received by mail notification that the deposit was denied AGAIN, and that the " LEGAL COPY '' they had sent me was " altered fictitious. '' XXXX ) I returned to the bank, and the banker on duty said she couldn't figure out what was wrong and didn't know how to fix it. 
XXXX ) I requested that the original money be returned to me so that I could take up the problem with XXXX XXXX. 
XXXX ) She said, " We have to keep all that, so it can't be returned. '' Meanwhile, I am out {$100.00} with no way to retrieve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
Subject : Follow-Up on Dispute Submitted XX/XX/year> Request for Immediate Action To Whom It May Concern, I am writing to follow up on a dispute I submitted regarding an XXXX XXXX collection account on my credit report. The dispute was submitted on XX/XX/year>, and as of today, I have not received any update or resolution regarding this matter. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and provide a response within 30 days of submission. It has now been more than 30 days since my original dispute, and I am concerned about the delay in addressing this issue. 

I am requesting immediate action to complete the investigation and remove the XXXX XXXX collection account from my credit file. This account is inaccurate and should no longer appear on my report. Please provide me with a written response and confirmation of your investigation results detailing the investigation and proof of the deletion as soon as possible. 

I appreciate your prompt attention to this matter and expect a resolution without further delay. 


Thank you for your time and assistance.

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 2025-01-11 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-11 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: GA

Complaint narrative:
My credit report is reporting XXXX XXXX times on my credit report I have never had any dealings with Fingerhut so I called customer service today and inquired why this is on my report the lady took my name my address and former address my phone number my email and last but not least she put in my social security number in which she wasnt able to locate an account of any kind using my credentials so I proceed to ask how do we fix this I have called in verified my identity and even disputed these accounts with all three credit bureaus multiple and I mean multiple times and not only is Fingerhut reporting but apparently has sold these so called accounts to a company called XXXX XXXX so its reporting twice which is illegal and the lady proceeded to tell me that they not only cant find a account but they have not recieved any disputes from these credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
My credit report is reporting XXXX XXXX times on my credit report I have never had any dealings with XXXX  so I called customer service today and inquired why this is on my report the lady took my name my address and former address my phone number my email and last but not least she put in my social security number in which she wasnt able to locate an account of any kind using my credentials so I proceed to ask how do we fix this I have called in verified my identity and even disputed these accounts with all three credit bureaus multiple and I mean multiple times and not only is XXXX  reporting but apparently has sold these so called accounts to a company called XXXX XXXX so its reporting twice which is illegal and the lady proceeded to tell me that they not only cant find a account but they have not recieved any disputes from these credit bureaus

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 2025-01-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
I signed up for Revolut to use while I travel to the XXXX, I was charged before I even used the card a member fee XXXX then I upgraded my card and was charged another XXXX and charged XXXX to upgrade. Being double charged XXXX was not disclosed when I upgraded the card. In addition it was not disclosed when I signed up for the card that a fee was to be incurred for every deposit of money along with the wait time. The card issuer intentionally overcharges US customers while providing European customer none of these transactions fees. I disclosure of the terms was not sent via email or when I received the card. When I wanted to close the account the vendor advised they would charge me XXXX just to close the account although I had not used the account at all. All of these fees are charged ( XXXX USD ) without XXXX aka XXXX XXXX  providing any service to its members in the US. This lender should not be allowed to do business in the US since they are not transparent in their fee based system and overall this card is not for US consumers and is marketed in appropriately since the benefit the card provides is less than equal to debit or credit cards issued in the US and is a scam against US consumers to have this issuer/bank promote their services in the US when they benefit by charging fees unrelated to use of the card services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
After reviewing my credit report at the end of XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, I noticed information that was not mine. I contacted Equifax with the following information RE : My Equifax Credit Report Dear XXXX XXXX XXXX : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Accounts : XXXX XXXX Acct # XXXX -XXXX XXXX Acct # XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX. I have spoken to these companies previously and they have refused to follow the FCRA guidelines so I am filing another complaint!

Pursuant to section 605B of the Fair Credit Reporting Act I sent the required notifications to all furnishers with this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled or highlighted. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. XXXX declined to remove and block the information per section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am writing to formally dispute the validity and reporting of a collection account listed on my credit report under the account name Portfolio RC, account number XXXX. Upon reviewing my credit file, I have found inaccuracies and believe this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), Metro 2 guidelines, and CDIA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Credit Acceptance, LLC
State: MO

Complaint narrative:
This company is breaking law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ) .Despite this, they've added a collection to my credit report This agency is infringing on my consumer rights by using misleading, false, and deceptive tactics.

I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Company response to consumer: Closed with explanation