vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX gift card with my miles from my capital one venture card and asked for a physical gift card so it would be sent in the mail. I unfortunately cant see my transaction anymore on my account because its past 90 days, but I believe I used XXXX miles to purchase it. About a month and a half later, still never received a gift card in the mail. I called capital one to open a case to see why I havent received it, they told me it would be two weeks before I saw a resolution. I called capital one about another month after and the lady said they were still reviewing my case but this has happened to other customers because there was a glitch with the gift cards and she could see my card hadnt been mailed. Yesterday, XX/XX/XXXX I received a XXXX saying they will not be refunding my miles as all purchases are final. But the did not note anything about my gift card not being delivered, just that I wasnt getting a refund and that was it. I called and spoke to another person and they told me to refer to my docusign for the results and they were unable to transfer me or escalate my issue. I never received my gift card and they werent refunding my miles so Capital One took money from their customer and did not provide a good or service back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-03-25 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: MI

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 2025-03-25 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: DISCOVER BANK
State: MD

Complaint narrative:
XX/XX/XXXX - purchased vinyl bundle from XXXX for {$50.00} that was advertised to ship on XX/XX/XXXX. As of XX/XX/XXXX I have not received the item XX/XX/XXXX and XX/XX/XXXX - Reached out to XXXX XXXX XXXX asking about status of order with no response. 

XX/XX/XXXX - Asked for refund on product, received a response on XX/XX/XXXX saying they were " working to resolve '' my issue. 

XX/XX/XXXX and XX/XX/XXXX - reached out again, received a response on XX/XX/XXXX saying they would provide a refund. No refund has been provided as of XX/XX/XXXX. 

XX/XX/XXXX - Reached out again for status. Received a response saying they were instead shipping me my item and provided a shipping number. As of XX/XX/XXXX this item has not been received by USPS. 

XX/XX/XXXX - Reached out again to XXXX XXXX XXXX. No response from seller. 

XX/XX/XXXX - initiated a dispute with Discover, the credit card provider for the card used, over an item that was never delivered XX/XX/XXXX - Discover denied my dispute and would not issue me a charge-back for the item that was never delivered. 

As of XX/XX/XXXX I have not heard from XXXX XXXX XXXX since XX/XX/XXXX despite attempting to contact multiple times nor have I received my item/refund. Discover would not provide me a refund dispute providing documentation the item was never received by USPS and has yet to be delivered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-25 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: CITIBANK, N.A.
State: CO

Complaint narrative:
On or about XX/XX/year> someone opened an account with the Home Depot. The accounts limit is {$8000.00} and immediately charged {$7100.00}. I didnt apply for this card. Please help

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 2025-03-25 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX  Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, LLC ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-03-25 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: OH

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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 2025-03-25 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:
I am writing to formally dispute inaccurate information that appears on my credit report. The following accounts contain errors, and I am requesting an immediate investigation and removal of these inaccuracies. 
Disputed Accounts : XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$200.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$360.00} Under the Fair Credit Reporting Act ( FCRA ) ( XXXXXXXX XXXX XXXXXXXX ( a ) ), I have the right to dispute inaccurate information, and Equifax must conduct a reasonable investigation. If these accounts can not be verified as XXXX XXXX accurate, I demand their immediate removal from my credit report in compliance with FCRA Section XXXX ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: MS

Complaint narrative:
I CHECKED MY CREDIT REPORT TO SEE A DEBT OWED TO NCB FOR THE AMOUNT OF {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX, I opened a savings account with Sofi in hopes of receiving interest on my savings. So I put around XXXX dollars into the account. After XXXX months or so, I saw that my account was restricted. I thought if I just waited, it would be unrestricted again because I didn't know of any reason for my account to be restricted. I believe I called Sofi to resolve the issue for the first time in early XXXX. Then, on XX/XX/XXXX, I called again more times on these dates : XX/XX/XXXX, XX/XX/XXXX ( twice ), and XX/XX/XXXX. Every time, the Sofi representatives said that my account was under review and was going to close. This still has not happened ; I've been waiting patiently for the account to close and for my funds to be accessible. It has been very long, and I really need access to my funds now. Sofi wouldn't even tell me what made my account restricted and never gave me a clear time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-25 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-25 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: GA

Complaint narrative:
formally dispute the accuracy, completeness, and validity of certain items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX. The following account ( s ) appear on my credit report and contain inaccurate, unverifiable, or potentially misleading 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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Due to your failure to properly verify the above accounts or provide accurate updates, I am requesting the immediate deletion of these accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MO

Complaint narrative:
I requested for XXXX XXXX  to put me on a hardship plan for my credit card because I was having a hard time making the payments due to the XXXX XXXX XXXX XXXX. I made the first payment in XXXX. When I needed to make the next payment in XXXX, my main bank, XXXX XXXX XXXX, experienced an outage making it impossible for me to access my funds. I called XXXX customer service with XXXX XXXX on the phone. I was told I could make the payment at anytime after I explained the situation. When I requested the hardship, I took for granted that I had requested a hardship before and completed the hardship. When I call XXXX, the cusotmer service is often offshored creating a communication barrier, in addition to that, I just lost my XXXX XXXX XXXX daughter to XXXX  and my mind was malfunctioning but I NEVER ASKED TO CLOSE THE ACCOUNT. I looked at my credit report and saw the account was closed which was confusing to me because I never asked for it to be closed and thought I was on the hardship program again. I called and spoke to a rep on XX/XX/year> who told me that if I paid {$30.00} right then, my account status would change. I paid the {$30.00} over the phone with this rep. I specifically told him I needed it not to reflect as closed on my credit report because I need to purchase my own home due to rents in MO being too high. Now, I am paying on an account that is closed an lowering my score. When I log into my account on the app it does not say the account is closed. I still get emails and texts about statements and my available balance so receiving those also led me to believe that I was on the hardship and my account was open. I called XX/XX/year> asking about all this and was told the calls would be pulled and someone would call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I requested for XXXX XXXX  to put me on a hardship plan for my credit card because I was having a hard time making the payments due to the XXXX XXXX XXXX XXXX I made the first payment in XXXX. When I needed to make the next payment in XXXX, my main bank, XXXX XXXX XXXX, experienced an outage making it impossible for me to access my funds. I called XXXX customer service with XXXX XXXX on the phone. I was told I could make the payment at anytime after I explained the situation. When I requested the hardship, I took for granted that I had requested a hardship before and completed the hardship. When I call XXXX, the XXXX service is often offshored creating a communication barrier, in addition to that, I just lost my XXXX XXXX XXXX daughter to XXXX  and my mind was malfunctioning but I NEVER ASKED TO CLOSE THE ACCOUNT. I looked at my credit report and saw the account was closed which was confusing to me because I never asked for it to be closed and thought I was on the hardship program again. I called and spoke to a rep on XX/XX/year> who told me that if I paid {$30.00} right then, my account status would change. I paid the {$30.00} over the phone with this rep. I specifically told him I needed it not to reflect as closed on my credit report because I need to purchase my own home due to rents in MO being too high. Now, I am paying on an account that is closed an lowering my score. When I log into my account on the app it does not say the account is closed. I still get emails and texts about statements and my available balance so receiving those also led me to believe that I was on the hardship and my account was open. I called XX/XX/year> asking about all this and was told the calls would be pulled and someone would call me back.

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