vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute and request the removal of inaccurate information from my credit report, as provided by your bureau. It has come to my attention that the items I recently disputed have been verified, but upon further review of my credit report, I have identified numerous additional inaccuracies. These inaccuracies are in violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Billing Act ( FCBA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable statute of limitations laws, as well as state Deceptive Trade Practices Acts ( DTPA ). 

The following items on my credit report are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you investigate the accuracy of these entries and provide documented verification within 30 days, as required by the FCRA. If you can not verify these entries or if they contain inaccuracies, I insist on their immediate removal from my credit report, as mandated by federal and state laws. 
Under the FCRA, I am entitled to : A timely response to this dispute ( within 30 days ). 
A free copy of my credit report once this dispute is resolved. 
The removal of inaccurate information. 
Furthermore, the FCRA, FCBA, FACTA, and DTPA emphasize the importance of ensuring that the information on my credit report is accurate, fair, and substantiated. Violations of these laws may result in legal action. 

In addition to the FCRA and FCBA, please consider the following laws that protect consumers like me : The FDCPA, which ensures fair and ethical debt collection practices. 
Statute of Limitations laws, which may apply to the debts in question. 
[ Include any relevant state-specific laws, such as your state 's DTPA. ] Enclosed with this letter are copies of documents supporting my claims. 

Please send me written confirmation of the actions taken regarding this dispute, as well as an updated copy of my credit report once the inaccuracies have been rectified.

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 2023-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One lured me ( and many others ) into applying for the SavorOne Rewards credit cards by promising a cash sign-up bonus. The promised cash sign-up bonus was a substantial factor in my decision to apply for the Credit Cards XXXX Immediately after I applied for the Credit Card online, Capital One indicated that they had been approved for the Credit Card. But, even though I then spent the required amount using their Credit Cards within the specified time period, Capital One never provided me with the promised sign-up bonus. Capital Ones practice of failing to provide the promised sign-up bonus is unlawful in multiple respects. 

First, Capital One breached the covenant of good faith and fair dealing with consumers who have the Credit Card by failing to issue sign-up bonuses that are advertised and promised at the time consumers apply for the Credit Cards XXXX By failing to provide the promised sign-up bonus, Capital One denied consumers of the benefit of their bargain. 

Second, Capital Ones practice of advertising and not paying sign-up bonuses violates the Consumer Fraud and Deceptive Business Practices Act, Illinois Code Chapter 815, 505/1 through 505/12. Capital Ones promise of a sign-up bonus enticed me to apply for the Credit Cards and to spend a certain amount within a specified time by advertising terms that included a sign-up bonusthe bait.

But, after I had applied, Capital One approved me for a Credit Card on different terms that did not include eligibility for a sign-up bonusthe switch. Although Capital One had switched the terms, Capital One never informed me that they were no longer eligible for the sign-up bonus.

As a result, Capital Ones initial promise of a sign-up bonus incentivized me not only to apply for and open the Credit Card , but also to spend money on the Credit Card to receive a sign-up bonus. In other words, based on Capital Ones deceptive offer of a sign-up bonus, I applied for and charged purchases to the Credit Card that they otherwise would not have charged had they not been drawn in by the advertised sign-up bonus.

I seek to end Capital One 's deceptive practices and will be seeking to sue for damages, restitution, and injunctive relief, in a Class Action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TN

Complaint narrative:
XX/XX/XXXX was contacted by U.S department of education via mail, regarding student loan payments. Called and was transferred over to a company called cornerstone. Talked with an agent who set up a payment plan for XXXX XXXX monthly. Since XX/XX/XXXX, I have been charged that amount. Tried to contact the customer service number given and The number is no longer in service, went through previous documents from the place and everything seemed legit but now looking at it. It is a scam. I was contacted by student loans saying my first payment is due in XXXX but Ive been paying almost 2 years now. Im contacting to report fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I Have Been A Victims Of Identity Theft upon getting denied a credit union. I have reviewed my credit reports, and I have accounts that were opened in my name, Debt collectors mailing me stuff in the mail. I lost my social security card and drivers license on approx XX/XX/XXXX, Since then I have reported the identity theft to the social security administration and got a new drivers license, the accounts that are identity theft I will list below XXXX 1 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 2 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 3 ) Credit Acceptance Corp ( auto ) opened on or about XX/XX/XXXX 4 ) XXXX XXXX opened on or about XX/XX/XXXX 5 ) XXXX XXXX XXXX  opened on or about XX/XX/XXXX 6 ) XXXX XXXXXXXX XXXX opened on or about XX/XX/XXXX 7 ) XXXX XXXXXXXX XXXX opened on or about XX/XX/XXXX 8 ) XXXX XXXXXXXX XXXX opened on or about XX/XX/XXXX 9 ) XXXX XXXXXXXX XXXX opened on or about XX/XX/XXXX 10 ) XXXX XXXX Date Filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below 1 ) XXXX XXXX  self lender opened onXXXX 2 ) XXXX opened on XX/XX/XXXX 3 ) XXXX XXXX XXXXXXXX XXXXXXXX opened on XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX opened on XX/XX/XXXX 6 ) credit acceptance corp opened on XX/XX/XXXX 7 ) XXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX 8 ) XXXX XXXX date filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below 1 ) XXXX XXXX XXXX opened on XX/XX/XXXX 2 ) Credit Acceptance opened on XX/XX/XXXX 3 ) XXXX XXXX  opened on XX/XX/XXXX 4 ) XXXX XXXXXXXX XXXX  opened onXXXX XXXX XXXX 5 ) XXXX XXXX XXXX opened on XX/XX/XXXX All of these accounts were not authorized by me. I also have multiple inquires on all my credit reports that were not authorized by me

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 2023-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquiries

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Che systems is preventing me from opening a bank account. Im trying to fix what is wrong but I dont know how to. Please advise me what I need to do. 
Thank you, 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 2023-09-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Wells Fargo regarding their handling of a dispute that has now exceeded 90 days without resolution, even after the merchant reversed the transaction and failed to refund the consumer. 

Dispute Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My evidence clearly indicates that Wells Fargo received the reversal from the merchant, yet they have failed to refund the consumer within the 90-day period. This suggests that either the bank is extremely inefficient or is deliberately engaging in a negative customer service approach. 

I am submitting this complaint in the hope that the authorities will oversee this matter. 

Sincerely, 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 2023-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: LA

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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 and request the removal of inaccurate information from my credit report, as provided by your bureau. It has come to my attention that the items I recently disputed have been verified, but upon further review of my credit report, I have identified numerous additional inaccuracies. These inaccuracies are in violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Billing Act ( FCBA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable statute of limitations laws, as well as state Deceptive Trade Practices Acts ( DTPA ). 

The following items on my credit report are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request that you investigate the accuracy of these entries and provide documented verification within 30 days, as required by the FCRA. If you can not verify these entries or if they contain inaccuracies, I insist on their immediate removal from my credit report, as mandated by federal and state laws. 
Under the FCRA, I am entitled to : A timely response to this dispute ( within 30 days ). 
A free copy of my credit report once this dispute is resolved. 
The removal of inaccurate information. 
Furthermore, the FCRA, FCBA, FACTA, and DTPA emphasize the importance of ensuring that the information on my credit report is accurate, fair, and substantiated. Violations of these laws may result in legal action. 

In addition to the FCRA and FCBA, please consider the following laws that protect consumers like me : The FDCPA, which ensures fair and ethical debt collection practices. 
Statute of Limitations laws, which may apply to the debts in question. 
[ Include any relevant state-specific laws, such as your state 's DTPA. ] Enclosed with this letter are copies of documents supporting my claims. 

Please send me written confirmation of the actions taken regarding this dispute, as well as an updated copy of my credit report once the inaccuracies have been rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-01 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:
The moment I received the duplicate of my report that I purchased with XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were COLLECTION accounts and inquiries on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these collection accounts and inquiries. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNT : XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-09-01 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-01 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-01 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: NJ

Complaint narrative:
I am writing to formally dispute an inaccurately reported item on my credit file that has not been deleted despite my previous dispute. I firmly believe that this account entry is not valid and should not be present on my credit report. I have diligently managed my financial obligations, and I have never had any dealings or accounts with the mentioned creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My previous dispute regarding this matter did not result in the removal of this inaccurate account entry, which leads me to believe that it may be a reporting error. I kindly request that both XXXX and TransUnion conduct a thorough re-investigation into this matter to rectify this discrepancy on my credit report. 

I would like to remind you of my rights under 15 USC 1681, which guarantees my right to privacy and stipulates that I must provide written permission for the reporting of this account. To my knowledge, I have not given any written permission for XXXX and TransUnion to furnish this account information. 


I kindly request that you promptly initiate a re-investigation into this matter in accordance with your obligations under 15 USC 1681. I understand that you have 60 days from the date of this letter to complete the investigation, as mandated by the Fair Credit Reporting Act. 

I am committed to maintaining my responsible consumer status and ensuring the accuracy of my credit report. I trust that XXXX and TransUnion will take this matter seriously and rectify the inaccurate reporting promptly. 

Thank you for your immediate attention to this dispute. I look forward to receiving a written response within the statutory timeframe with the results of your investigation. 

Sincerely, 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 2023-09-01 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
COMPANY PORTFOLIO RECOV ASSOCXXXXXXXX XXXX XXXX XXXX MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM PORTFOLIO RECOV ASSOC/SYNCHRONY BANK, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 
PORTFOLIO RECOV ASSOCXXXXXXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION. 
-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF PORTFOLIO RECOV ASSOC/XXXX XXXX XXXX

Company response to consumer: Closed with explanation