vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently checked my account and I noticed these fraudulent activities and I wanted to report them so that they may be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Delete hard inquiries 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 604 a section 602A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C 1681 s-2 ( A ) ( a ) ( 5 ) 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. 

Deleted the account 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: DISCOVER BANK
State: FL

Complaint narrative:
Delete hard inquiries 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 604 a section 602A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C 1681 s-2 ( A ) ( a ) ( 5 ) 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. 

Deleted the account 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
I sailed on XXXX XXXX XXXXXXXX XXXX XXXX XXXX  that docked in XXXX, XXXX, on XX/XX/2024. 

In XXXX, I was targeted as an unaccompanied older woman and was lured off XXXX XXXX into XXXX XXXX XXXXXXXX XXXX XXXX at XXXX and XXXX XXXX. The person on the street handed me off to two men inside the store, XXXX and XXXX XXXX XXXX XXXX. I was scared from the start, and being alone, unable to extract myself from the situation. I was not left alone at any time while I was in the store. The men gave me water, then an alcoholic drink, and at least one, if not both, were XXXX. From that point on everything gets hazy, including how they accessed my credit card. 

XXXX was the instigator, a large, fast talking man. XXXX and XXXX spoke to each other in a foreign language behind my back. They pressured and badgered me to buy their products. I repeatedly told them No! I have a vague recollection of having a pen put in my hand, a piece of paper placed in front of me and XXXX standing over me barking Sign it! I was scared for my life, signed the paper and was finally pushed out of the store where I managed to make my way back to my ship. I was victimized, terrorized, and made ill by whatever they gave me. I became ill that night and remained in my cabin until the ship docked in New Jersey on XX/XX/XXXX, and remained ill for several days after my return. I did attempt to to seek medical care once I was back home. I have since learned that this XXXX  scam is a known crime perpetuated against older women, especially those that are alone. It also happens in the XXXX. 

A box was shipped to my address from XXXX XXXX, Florida, despite my multiple attempts at telling them no in XXXX. I refused the package and XXXX returned it to the sender. Proof was provided to CapitalOne from XXXXXXXX XXXX  website. 

The Companies involved are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX CapitalOne was notified by phone of the scam on XXXX XX/XX/2024 when the charges were pending. The company refuses to stand behind me and is allowing the {$5200.00} charge to stand, despite multiple attempts to explain the crime to them. 

An informational police report was taken by XXXX XXXX XXXX at the XXXX County Sheriff 's office on XX/XX/2024, Case # XXXX ; the XXXX XXXX  Police and the FBI were contacted on XXXX XXXXXXXX XXXX ; the U.S. Consulate in XXXX was notified, as was XXXX XXXX XXXX  in XXXX by email on XXXX XXXX XXXX  as I was unable to reach them by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: OK

Complaint narrative:
XX/XX/XXXX a company called XXXX sent me a letter collecting on a debt owed to XXXX XXXX  for the amount of {$8800.00}. 

To my understanding this acts as clear evidence that XXXX XXXX  sold this charged off account to a third party debt collection agency in XXXX. 

XX/XX/XXXX XXXX sent me a letter looking to settle on the debt owed for the amount of {$8800.00}. 

It is to my understanding this is an illegal practice of XXXX attempting to collect on a debt they have already sold off more than once. 

At this time as of XX/XX/XXXX, I am requesting that TransUnion, XXXX and XXXX permanently REMOVE this account with XXXX as it clear that XXXX XXXX  is illegally trying to collect on a debt that was already sold. 

I have attached the supporting documents reflecting the letters from both companies as well as the reporting of the account in question by each credit bureaus that reflects inaccurate reporting as well. 

Failure to remove this account will result in legal action being taken.

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 2024-04-17 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-04-16 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: AR

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 U.S.C. 1681. 
XXXX. XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 602 A states that I have the right to privacy.

15 U.S.C. 1681 604 ( a ) ( 2 ) It also stats that a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C. 1681 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: AR

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 U.S.C. 1681. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 602 A states that I have the right to privacy.

15 U.S.C. 1681 604 ( a ) ( 2 ) It also stats that a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C. 1681 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 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MD

Complaint narrative:
I began receiving emails on XX/XX/24 that an account had been opened in my name with Chime. I have never opened a Chime account or given Chime any of my personal information. They had all of my personal details including my name, phone, email, personal address, date of birth, and social security number. When I called the cancel the account, the rep refused to give me any information unless I gave them my DOB, SSN, and email, basically all the information needed to fraudulently open more accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: SC

Complaint narrative:
This account was charged off on the following date [ XX/XX/2023 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : [ XXXX XXXX XXXX XXXX ] [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: SC

Complaint narrative:
This account was charged off on the following date [ XX/XX/year> ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : [ XXXX XXXX XXXX XXXX  ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
I want to remove my inquires on equifax due to 15usc1681b permissible purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-04-16 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: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: OK

Complaint narrative:
XX/XX/XXXX a company called XXXX sent me a letter collecting on a debt owed to XXXX XXXX  for the amount of {$8800.00}. 

To my understanding this acts as clear evidence that XXXX XXXX  sold this charged off account to a third party debt collection agency in XXXX. 

XX/XX/XXXX XXXX sent me a letter looking to settle on the debt owed for the amount of {$8800.00}. 

It is to my understanding this is an illegal practice of XXXX attempting to collect on a debt they have already sold off more than once. 

At this time as of XX/XX/XXXX, I am requesting that XXXX, XXXX and Equifax permanently REMOVE this account with XXXX as it clear that XXXX XXXX  is illegally trying to collect on a debt that was already sold. 

I have attached the supporting documents reflecting the letters from both companies as well as the reporting of the account in question by each credit bureaus that reflects inaccurate reporting as well. 

Failure to remove this account will result in legal action being taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: OK

Complaint narrative:
XX/XX/XXXX a company called XXXX sent me a letter collecting on a debt owed to XXXX XXXX  for the amount of {$8800.00}. 

To my understanding this acts as clear evidence that XXXX XXXX  sold this charged off account to a third party debt collection agency in XXXX. 

XX/XX/XXXX XXXX sent me a letter looking to settle on the debt owed for the amount of {$8800.00}. 

It is to my understanding this is an illegal practice of XXXX attempting to collect on a debt they have already sold off more than once. 

At this time as of XX/XX/XXXX, I am requesting that XXXX, Experian and XXXX permanently REMOVE this account with XXXX as it clear that XXXX XXXX  is illegally trying to collect on a debt that was already sold. 

I have attached the supporting documents reflecting the letters from both companies as well as the reporting of the account in question by each credit bureaus that reflects inaccurate reporting as well. 

Failure to remove this account will result in legal action being taken.

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 2024-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/2024 IQ Data International XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Dear Sir/Madam, I am writing to formally dispute the inclusion of an account on my credit report and to request a cease and desist regarding any further reporting of this account. The account in question pertains to XXXX & XXXX, which is currently listed on my credit report. 

Upon reviewing my credit report, I noticed that this account is negatively impacting my XXXX XXXX. However, I want to bring to your attention that I am not solely responsible for the obligations associated with this account. 

The account in question stems from a shared living situation in an apartment where I had roommates. During the time of residence, the utility bills and other associated expenses were divided among all occupants. Unfortunately, it appears that the responsibility for this account has not been properly allocated, resulting in its appearance solely under my name on my credit report. 

I would like to emphasize that I am not disputing my responsibility for any legitimate debts that are accurately attributed to me. However, in this particular case, I am not solely responsible for the obligations related to this account. This negative inquiry on my account is hindering me from buying a home and elevating to the next chapter of my life. Im only XXXX and I have so much more to achieve in life. 

As such, I kindly request the following actions : XXXX. Cease and desist any further reporting of this account on my credit report. 
2. Delete the account XXXX & XXXX from my credit report entirely. 

I understand that as per the Fair Credit Reporting Act, you are obligated to conduct a reasonable investigation into this matter. I hereby provide any necessary authorization for you to contact the relevant parties and gather the required information to resolve this dispute. 

Please acknowledge the receipt of this dispute letter and provide me with a 30 day timeline for your investigation and resolution of this matter. I look forward to your prompt attention to this issue and the removal of the disputed account from my credit report. 

Thank you for your cooperation and assistance in resolving this matter. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation