vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

SincerelyXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Subject : Formal Dispute Regarding Reporting of Late Payments and Permissible Purpose Dear [ XXXX XXXX XXXX ], I am writing to formally dispute certain entries on my credit report that indicate late payments. Specifically, I question whether the entity reporting these late payments had a permissible purpose under the Fair Credit Reporting Act ( FCRA ), as codified in 15 U.S.C. 1681 ( b ), to access and report this information.

Under FCRA 15 U.S.C. 1681 ( b ), a consumer reporting agency may furnish a consumer report only under specific circumstances that constitute a permissible purpose. These purposes include, but are not limited to, transactions initiated by the consumer, employment considerations, or other legitimate needs as defined by law. If the entity reporting these late payments accessed or shared my information outside these parameters, they may have violated federal law.

The late payments in question are associated with the following account ( s ) : Creditor Name : XXXX XXXX XXXX XXXX XXXX Date ( s ) of Late Payment ( s ) : XX/XX/XXXX - XXXX XXXX I request that you investigate this matter promptly. Please verify whether the reporting entity had a permissible purpose to access and furnish this information and provide me with documentation supporting their compliance with the FCRA. If the reporting can not be verified or is found to lack a permissible purpose, I demand that these entries be deleted from my credit report immediately.

Furthermore, I request that you notify me of the results of your investigation, as well as any changes made to my credit report, within the time frame prescribed by law.

For your reference, I have attached a copy of my credit report highlighting the disputed entries, along with copies of relevant supporting documentation, including proof of identity.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have a Capital One XXXXXXXX XXXX XXXX and pay {$390.00} per year for that card. One of the benefits that they offer with that card is an annual {$300.00} travel credit. I just checked my account with hopes of using that credit, but found that it had " expired '' in mid XXXX and been replaced with a new {$300.00} for this year. They tell me that these credit expire if not used within 12 months. They tell me that this is noted in the card specifications. It may well be, but that should not allow they to steal the credit that I paid for without adequete warning. I believe that they've effectively stolen {$300.00} from me. I paid them {$390.00} each year with an expectation of receiving the promised {$300.00} travel credit, but without warning, they've deleted it. 
In my mind, the only appropriate option is to reinstate the " expired '' credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: MD

Complaint narrative:
I requested A debt Validation including the original contract with my signature, and the purchase agreement on the collections accounts listed. I received notification from all 3 credit agencies that the debt is validated as accurate and that information was updated unrelated to my dispute. However I have not received the requested documentation to validate the debt so it must be removed. In addition as per the FCRA all information reported must be accurate, if information had to be updated it is there for not accurate and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I submitted documentation attesting that I am a XXXX XXXX XXXX XXXX for the purpose of section 605c of the fair credit reporting act. After submitting said documents asking the companies to block adverse information as requested, I havent received appropriate results or documentation showing blockage of information.

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 2024-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of of a XXXX XXXX and XXXX theft and the scammer somehow got access to my credit card info ( I'm assuming from my either my XXXX acct and or credit report ) and made XXXX unauthorized transactions on XX/XX/XXXX for {$2800.00} and XX/XX/XXXX {$4000.00}. I contacted them and filed a fradulent report and I sent them a copy of the report I filed with the police, FTC and FBI ( XXXX ), they informed me they would investigate. They said due to their findings I was required to pay. I had to take out a credit line from another credit card company to make the payment because I am retired and on a fixed income. This caused my XXXX XXXX to suffer as I sought means to pay them. I have always paid my bills in a timely manner and they were not willing to work with me. They told me they were sorry, but they were unable to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern : According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2024-12-21 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding my account being written off for the full balance of {$10000.00}. I spoke with a rep ID # XXXX. I told the rep I seen that they have written off the full balance on this account and I am requesting a XXXX for so that I would be able to file it on my taxes. The rep informed me that my account was never written off but charged off in XXXX XXXX I told the rep I am aware of that as well but you have both a charge off and a write off. The rep told me she will transfer me to the credit department who can further assist me. I was transfer to the rep ID # XXXX. This rep was very argumentative and not very much help. In the beginning of the conversation I told the rep I am requesting my XXXX form seeing that the account was written off. She states the account was never written off but it was charged off. I explained that on my report it states both charge off and written off. She blamed the credit bureaus saying how they report whatever they want to report.I told her that was incorrect because due to the law they have to have accurate reporting and it must come from the creditor. She explain a charge off to me but when I asked for her to explain a write off she just kept telling me she don't know what it is. The rep kept telling me that my account is not eligible for a write off and it wont ever be. Then I asked her how she knows if she doesn't know what a write off is? The rep then say I can go to XXXX for it and how I wasn't trying to acknowledge the debt which wasn't true.I ask for a supervisor because we weren't getting anywhere. The rep transferred me to XXXXXXXX XXXX XXXX XXXXXXXX who is the XXXX department. XXXX got on the phone and stated his name and ID # however he never spoke with me because he acted as if he didn't hear me at all. XXXX repeated his name and ID # quickly 3 times then hung up the phone. 

This phone call lasted XXXX XXXX from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: NJ

Complaint narrative:
There is a XXXX XXXX account on my credit report from Trans Union claiming that is mine. It is not. Someone opened a account with my permission. I'm a victim of credit fraud. I have put a fraud alert to all credit reporting agencies. I have disputed but Trans Union said that it is verified as accurate. I have attached the dispute results letter from Trans Union. Please assist me with the issue. 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 non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I accidentally sent a payment through XXXX XXXX from my XXXX XXXX account to a closed credit card account at Chase, which was closed in XXXX. I requested a refund for the payment, but Chase informed me that they could not find a credit card account with them, and it is not linked to my Social Security number. I am seeking clarification on why this payment was processed to a closed account and how I can get the payment refunded. 

I first visited a Chase branch where XXXX assisted me by calling a representative. They couldnt find my credit card account using my Social Security number and said they needed my credit card account number, which I didnt have because the account was closed. I was told they could not find a credit card account with them. I had to look up my credit history at XXXX to find my account number. Once I provided it, Chase said I would have to mail them proof that the funds had been taken from my XXXX XXXX account. 

After a week, I didnt receive anything, so I called customer service, but they couldnt assist me. I went back to the branch, and they reiterated that because my credit card account number wasnt linked to my Social Security number, there was nothing they could do, and I would need to go back to XXXX XXXX to request the money back. 

I visited XXXX XXXX in person, and they confirmed the payment was processed correctly. They declined my claim and said I needed to go back to Chase, as they should have kept my account in the system for over 10 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-21 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: NV

Complaint narrative:
Dear CFPB, I recently filed a dispute on XX/XX/scrub>XXXX XXXX XXXX regarding the following account : Auto Loan Charge-Off dated XXXX XXXX from XXXX XXXX XXXX ( Account Number : XXXX ).

Your investigation concluded on XXXX XXXX XXXX as " verifiable. '' However, the investigation did not verify this charge-off dispute sufficiently, leaving the matter unresolved. 

Under the Fair Credit Reporting Act ( FCRA ), I am formally requesting the specific verification method used to confirm this account 's accuracy. Specifically, I request : The name and contact information of the entity that verified this account. 
Details of the documents, records, or electronic data reviewed during the verification process. 
If you can not provide this information, I request that this item be removed from my credit report immediately, as it can not be verified. 

Please respond to this request within 15 days, as required under the FCRA.

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 2024-12-22 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: IL

Complaint narrative:
A inquiry on my Credit report i don't recognize did not authorize the consumer to pull my credit report and not attached to any open accounts on my credit report. 
XXXX XXXX XXXX. Inquiry Date XX/XX/year> 2023

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 2024-12-21 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 contains inaccurate personal information and unauthorized hard inquiries that need immediate correction. These errors are causing harm to my credit profile and must be addressed without delay. 

The inaccurate personal information includes : Correct Name : XXXX XXXX ( no variations such as XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ) Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( no other addresses are accurate ). 
Correct Phone Numbers : XXXX, XXXX, XXXX. 
The following unauthorized hard inquiries are present on my credit report : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize these companies to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that all information on my credit file is accurate, verifiable, and reported with my explicit consent. These inquiries and inaccurate details are violations of my consumer rights. 

Request to Avoid Stall Tactics Please do not send stall letters questioning my identity. I have already submitted my drivers license, Social Security card, and a bill as proof of identity. These documents are sufficient to verify my identity and comply with your requirements under the FCRA. Once these documents are submitted, nothing further should be requested. 

Additionally, if you are sending correspondence, it must be sent to the address I have provided : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries 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

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 2024-12-21 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: TX

Complaint narrative:
I filed a law enforcement report in XXXX listing four fraudulent accounts, ( XXXX XXXX XXXX XXXX XXXX XXXX ) I sent copies of the report to all four companies directly and to all three credit bureaus ( Equifax, XXXX, XXXX ). To date most, but not all, are now cleared. The credit bureaus dropped my near perfect score down into the XXXX 'S as soon as those companies started reporting them as delinquent. To date, none of the credit bureau 's have even started to raise my score. In fact, they continue to drop them a few points at a time, and then add a few points. XXXX is still resisting and sending me daily emails attempting to collect. They ignore my responses. I pay my valid debts, as my past credit reports will reflect. I do not pay my fraudulent accounts. The credit bureaus hold my entire financial life in their hands and they are killing me. I need for XXXX to cease and desist, but more importantly I need my credit scores returned to their previous amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Received large amount Amex XXXX XXXX, the instructions during balance checking and the FAQ state you can use these cards everywhere Amex is accepted. 

this appears to be false, this was even stated by their customer support line, who states if it's declined at a business or online, to just " go shop somewhere else ''. 

Card brand rules state pre-paid cards are same as cash, and as long as the merchant accepts that card type ( in this case American Express ) it should be accepted. 

the Amex XXXX XXXX support line states that due to increased risk and fraud, cards should now only be used in person. which is not what they advertise when you purhase these gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief