vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 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: IL

Complaint narrative:
To whom it may concern : 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. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, ACCOUNT NAME : XXXX ACCT # 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 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I called capital one on XX/XX/year>2024 because my account became restricted out of no where and they said they had frozen my accounts because I conducted too many transactions, if a bank can't handle a few transactions a month then I'm not sure why they in this industry... But the person on the phone said that capital one has chosen to close my account but can't tell me a date when the balance will be released so for now Capital one is just holding my money XXXX which is utterly ridiculous, if they want to close my account, fine! but you can't then just hold on to the money that is in there! Please have them send this to the address on file! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: AZ

Complaint narrative:
I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.

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 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
I am diligent about paying on time and have no doubts about it. What confuses me is why this company is reporting late payments for specific months, which is erroneous. USC 1666b states that any billing errors should be corrected swiftly.

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 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
I am diligent about paying on time and have no doubts about it. What confuses me is why this company is reporting late payments for specific months, which is erroneous. USC 1666b states that any billing errors should be corrected swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is NAVY FCU Date of Inquiry XXXX-2022. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: NY

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-24 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: PA

Complaint narrative:
I was a victim of identity theft. I lost my wallet in XXXX which led someone to have access to alot of my documents including my social security card. I am in the start-up process of wanting to buy a home but upon doing a credit check, I see accounts on my credit report that have no affiliation to me. I made a police report. The police report DC # is XXXX. Please note that I am currently waiting on a physical copy. 
These accounts were all disputed. These accounts consist of : COLLECTIONS : LVNV Funding ( original creditor XXXX XXXX XXXX ) {$470.00} ; started reporting on credit XX/XX/XXXX. 
XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) {$8600.00} started reporting on credit XX/XX/XXXX. 

ACCOUNTS : XXXX XXXXXXXX XXXX " paid/closed '' ; reporting on credit XX/XX/XXXX. 
XXXX {$2400.00} & {$3300.00} XX/XX/XXXX. 
XXXX {$4500.00} XX/XX/XXXX. 
XXXX  XXXX {$1300.00} XX/XX/XXXX. 
XXXX XXXX {$1700.00} XX/XX/XXXX. 
I have disputed these accounts with the bureaus and no action has been taken. Again, I am a victim of identity theft. Very important documents were in the hands of people other than myself and have been used to open accounts in my name. Which is why I filed the police report. photo of police report number is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: Tally Technologies
State: PA

Complaint narrative:
I was a victim of identity theft. I lost my wallet in XXXX which led someone to have access to alot of my documents including my social security card. I am in the start-up process of wanting to buy a home but upon doing a credit check, I see accounts on my credit report that have no affiliation to me. I made a police report. The police report DC # is XXXX. Please note that I am currently waiting on a physical copy. 
These accounts were all disputed. These accounts consist of : COLLECTIONS : XXXX XXXX ( original creditor XXXX XXXX XXXX  ) {$470.00} ; started reporting on credit XX/XX/XXXX. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$8600.00} started reporting on credit XX/XX/XXXX. 

ACCOUNTS : XXXX XXXXXXXX XXXX  " paid/closed '' ; reporting on credit XX/XX/XXXX. 
XXXX {$2400.00} & {$3300.00} XX/XX/XXXX. 
XXXX  {$4500.00} XX/XX/XXXX. 
XXXX  XXXX {$1300.00} XX/XX/XXXX. 
XXXX XXXX {$1700.00} XX/XX/XXXX. 
I have disputed these accounts with the bureaus and no action has been taken. Again, I am a victim of identity theft. Very important documents were in the hands of people other than myself and have been used to open accounts in my name. Which is why I filed the police report. photo of police report number is attached

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 2024-05-24 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: U.S. BANCORP
State: MA

Complaint narrative:
I got an email on XX/XX/year> from XXXX with whom I have a credit card, stating that there was a new credit inquiry on my credit report. I know I haven't applied for anything so I called XXXX and they are helping me through the fraud process. I looked up my credit report and it says there were two inquiries today XX/XX/year> froXXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I've never even heard of them. Someone else is using my SSN.

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 2024-05-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Could you please remove these inquiries? I didn't authorize them, and I have no knowledge about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I always make my payments on time, so I am confident in my payment history. What I don't understand is why this company is reporting me as late for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be promptly corrected.

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 2024-05-24 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-05-24 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 am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-05-24 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is EXETER FINANCE LLCXXXX Date of Inquiry XXXX2022. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I examined my credit report and observed inaccuracies in the listed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: TX

Complaint narrative:
I examined my credit report and observed inaccuracies in the listed accounts.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year> my credit score was lowered XXXX points for no reason. There is nothing listed as to why my score was lowered including no negative information and no reason why my score was lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: GA

Complaint narrative:
I thought I was agreeing to a credit balance transfer at a lower interest rate and higher credit limit. However, they issued me a predatory a higher interest rate. Due to the pandemic, paying this predatory credit line was unsustainable. 
Due to this action, I suffered a lower credit score and have been unable to access credit for buying a home, car, and other credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: CA

Complaint narrative:
This is a follow up to a previous unresolved complaint closed last year ( XXXX ). The fact Experian is reporting duplicated entries ( XXXXXXXX XXXX  XXXX ) on my report which is impacting my home purchasing power. The lender provided the attached file with the listed loans. 

I tried to resolve this case directly with Experian and they are not willing to assist nor provide proper validation of the accounts. You are my last source to protect my rights as consumer. The lender provided the attached file with the listed. 

Urgently assist. 

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 explanation
Consumer complaint received 2024-05-24 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: MD

Complaint narrative:
Subject : Request for Correction of Payment Status Dear Experian Team, I am writing to bring to your attention an error on my credit report that requires immediate correction. According to the information provided, my payment status was supposed to be updated to " on time/never late. '' However, upon reviewing my credit report, I noticed that this update has not been reflected. I can see that Experian has updated the account with a notation " Updated '' as well as, Balanced updated " XX/XX/year>24 ''. However the 30 day late notice has not been changed. This account was paid on time and was never late and could you please update the late payment to Paid/Never Late. Just for extra reference it may display as paid on the XXXX however, it was paid on the XXXX ( Paid/Never Late ) Please find the details below for reference : Account Name : XXXX I kindly request that you update the payment status for the above-mentioned account to " on time/never late '' as agreed upon. 

Please confirm receipt of this letter and provide a timeline for when I can expect the correction to be made. 

Thank you for your prompt attention to this matter. I look forward to your response and the timely correction of my credit report. 

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 explanation
Consumer complaint received 2024-05-24 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: NJ

Complaint narrative:
I am writing to delete XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$510.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX  XXXX {$16000.00} XXXX  XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$4600.00} XXXX  XXXX XXXX {$9000.00} XXXX XXXX XXXX {$7200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {>= $1,000,000} XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: NJ

Complaint narrative:
I am writing to delete XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$510.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX  XXXX {$16000.00} XXXX  XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX XXXX {$9600.00} XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX {$4600.00} XXXX  XXXX XXXX {$9000.00} XXXX  XXXX XXXX {$7200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {>= $1,000,000} 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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit lender are experiencing difficulty in accessing my credit information through service this has not only caused delays, but also has the potential to negatively impact my financial plans and credit standing they said it identified theft on my report i keep getting denied due to this 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 explanation