vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: CA

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$5800.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$2500.00}.

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 2024-02-29 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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$5800.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$2500.00}.

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 2024-02-29 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: CA

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$5800.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$2500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: Headwaters Financial Corp.
State: VA

Complaint narrative:
An unauthorized hard credit inquiry was placed on my credit report on Saturday, XX/XX/2024 by Headwater Financial, LLC. I was in contact with XXXX XXXX XXXX XXXX XXXX to strictly receive information on their motorcycles and financing options. I was told that they only utilize soft inquiries, and I never signed or submitted an application or provided written or verbal consent for a hard credit pull to take place. I have a written letter and numerous email and text message conversations demonstrating from the salespersons and finance manager that they only utilize soft credit inquiries and a hard inquiry should have never transpired. I have contacted Headwater Financial, and they have been unwilling to assist me with contacting the credit bureaus to ensure that this hard inquiry gets removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-29 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: GA

Complaint narrative:
XXXX XXXX XXXX has been reporting incorrectly. Not sending proper notification of validation for account listed on my consumer report. The dates of activity is factually incorrect and the activity date on the account is illegally reporting and improperly investigated. I will send the screen shot of the account so you can closely take a look at how it is improperly reporting inactive dates to ensure that the account remains open and listed on my consumer report. It is not correct validation. Give me the method of validation and process used please. The process that you used to validate the debt. Who you talked to contact and the address. 15 days to respond. Last Date of activity to keep updating this debt. Last Date of activity that you made a payment on the account. I never made a payment. That is fraud. Date opened on is incorrect, the amount owed on each report is incorrect, and reporting incorrectly. Past Due amount is incorrect XXXX las active in also incorrectly. Las date of payment. I have not made any payments and they haven't provided me with no 1099 c and they claim to have charged off the debt. I asked for a 1099c they ignored me and never rpodvide me wit it

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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On two XXXX I tried to use my credit card from XXXX XXXX to pay for gasoline and it was denied and then called the credit card company who told me that the account was closed due to fraud. I asked to reported it and they said I did, but that wouldve been impossible because I was at work without access to any telephone up until the point when The credit card was denied at the gas station. I have since spoken to the executive office who told me they only take complaints. They dont do anything with credit cards. I talk to the credit card customer service who said they cant do anything because its the executive service I talk to the fraud department who says they dont even understand what happened and it has left me in a precarious position when I am traveling and I now am stuck without hotel. Any access to cash or food and the credit card company said someone will call you in XXXX hours. Thats the best we can do if you dont like it Tough

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 monetary relief
Consumer complaint received 2024-02-29 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: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$670.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$140.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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/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 2024-02-29 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Auto XX/XX/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 2024-02-29 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I never signed a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a persistent issue I have been facing with Capital One regarding a dispute that has yet to be resolved. I believe that my concerns have not been adequately addressed, and I am seeking your assistance in resolving this matter. 
On XX/XX/year>, I initiated a dispute with Capital One regarding XXXX purchase of the Amount of {$300.00}. To support my case, I submitted additional documentation and supporting letters on XX/XX/year>. Despite my efforts to provide comprehensive information and expedite the resolution process, I regret to inform you that as of today, XX/XX/year>, my dispute remains unresolved. 
During my latest communication with Capital One on XX/XX/year>, I spoke with a dispute manager who informed me that the dispute is now considered out of the time frame for resolution. This has left me greatly concerned and frustrated, as I have diligently followed the procedures outlined by Capital One and have consistently provided the necessary documentation in a timely manner. 
I am seeking your intervention in this matter, as it is evident that Capital One has not addressed my concerns appropriately. The lack of resolution and the dismissal of my dispute due to a purported time frame issue are unacceptable, and I believe this merits your attention. 
Enclosed with this letter, you will find copies of all relevant documentation, including the initial dispute submission, supporting letters, and any correspondence exchanged with Capital One. I trust that this information will assist you in comprehending the gravity of the situation. 
I kindly request the Consumer Financial Protection Bureau 's intervention to ensure a fair and timely resolution to my dispute with Capital One. Your assistance in this matter is highly appreciated, and I am hopeful that, with your involvement, we can bring this matter to a satisfactory conclusion. 
Thank you for your attention to this matter, and I look forward to a prompt and favorable resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-29 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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 explanation
Consumer complaint received 2024-02-29 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: FL

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. 

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, 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 my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2024-02-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-02-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Bankruptcy 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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have been a Chase cardholder since XXXX. My card is a Chase Freedom XXXX with a credit limit of over {$14000.00}. I have always paid my bills on time in the complete amount that is due. The same is true for other credit card bills I incur as well as all other bills for which I am responsible. According to Chase 's XXXX XXXX website my XXXX  Score as of today, XX/XX/XXXX, is XXXX. My XXXX XXXX Score XXXX is XXXX according to XXXX. Recently I noticed on a statement that should I carry over any part of a balance beyond the due date for that billing cycle I would be charged interest at a rate of 29.99 %. I have not been charged interest because I do pay the full balance on time, but I was alarmed that the rate seemed unusually and inexplicably high given my credit score and credit history. On XX/XX/XXXX I called Chase to find out why and to ask them to lower the rate to an amount consistent with my credit worthiness. During the call I found out that the maximum rate they charge customers for that particular card is slightly over 29 %, and that I would be charged above the maximum should I not pay the full amount. The person with whom I was speaking said she didn't have authority to change the rate but that she would escalate my request and that I would get a response by mail within 7 to 10 business days. As of today, 15 business days later, I have not received the letter, so I called again. I was told that Chase would not even reduce my rate to the maximum rate for the card and given no explanation for the unreasonably high interest rate. The woman with whom I spoke this evening said my complaint would be noted, and that I would get a response. There would seem to be no rational reason for my interest rate to be exorbitantly high, especially given that Chase itself tells me that I have excellent credit and provides the facts that bear that out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I spoke with 3 reps XX/XX/XXXX from Capital One. XXXX assisted with changing Account Number due to a fraudulent charge. Then XXXX was conferenced to assist with Credit Limit Request and to confirm if there would be an inquiry on my credit by requesting Limit Increase. XXXX referred me to XXXX XXXX to manually answer questions and advised of 29 % APR interest rate declined request to lower rate to 0 % APR only stated the interest rate is based on the Prime Rate. I escalated to speak with Manager, XXXX, who advised Capital One does not have any options to lower the interest rate and assisted with my {$3000.00} credit limit request only to advise I could only receive an additional {$100.00} increase to {$700.00} Credit Limit Totaling {$800.00}! Also advised XXXX  day late payment was related to {$1.00} charge which I was unaware of that was added to another small {$8.00} charge which was paid in full with no other late payments to date before XX/XX/XXXX and after XX/XX/XXXX. XXXX advised Capital One reviews account every 6  months and use to provide random Credit Limit increases years ago, but did not state when they last occurred. It is unfair to add a XXXX  day late for a {$1.00} fee I was unaware of and then another {$8.00} fee. I am a XXXX who prides myself on paying my bills on time. I

Company response to consumer: Closed with monetary relief