vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ITEMS DISPUTED MULTIPLE TIMES THROUGH LETTERS. IMMEDIATE REMOVAL NEEDED.

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 2024-07-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
As I was checking my credit, I noticed some unfamiliar inquiries on my credit report. I didn't authorize these 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 explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am filing a complaint regarding false advertising related to the XXXX XXXX and American Express ( Amex ) joint credit card program. 

Details : I have an Amex credit card that participates in the XXXX XXXX program. 
After meeting the required spending criteria, I was awarded a free night stay. 
The property I chose is on the list of properties where the award can be used ( it is not on the excluded list ). 
Despite this, XXXX is blocking my ability to book a room at this property by changing all available rooms to premium categories, which are not eligible for the free night award. 

This practice effectively makes it impossible for me to use my earned free night, rendering the promotional offer misleading. This constitutes false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: PA

Complaint narrative:
I SAW MY CREDIT REPORT AND WAS STILL DISAPPOINTED WITH HOW UNAUTHORIZED INQUIRIES ARE STILL REPORTING ON MY END

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 2024-07-13 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: BMO BANK NATIONAL ASSOCIATION
State: LA

Complaint narrative:
As I was checking my credit, I noticed some unfamiliar inquiries on my credit report. I didn't authorize these 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 explanation
Consumer complaint received 2024-07-13 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: NY

Complaint narrative:
on experian my name is being reported incorrectly. It is reporting as XXXX XXXX XXXX when it should be XXXX XXXX XXXX or XXXX XXXX XXXX. I also asked that only my correct address be reported on my report but experian is reporting XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX. The only address that I ever lived and is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have provided proof of this address and experian has not updated the report instead they sent me a stall letter eventhough I sent the document I will attach below.

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 2024-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I reported several unauthorized transactions on my Capital One XXXX credit card, and was issued a temporary credit for the unauthorized amounts, and was told I can continue to use the credit card while Capital One investigates the charges. However, when I tried to make a purchase, it was declined, and when I called to inquire, I was advised that Capital One placed a restrictive hold on the credit for 90 days until the investigation was complete. 

I do not understand how this is a temporary credit at all, if I can not even use the credit given, especially considering I should not be held responsible for charges I did not make, under Capital One 's XXXX fraud liability policy. I have never experienced this problem once with any other bank or credit card when dealing with temporary provisional credits that were issued during a fraud/dispute investigation. I believe this is a blatant abuse by Capital One and a gross misrepresentation of their fraud liability policy, and I am requesting that they take proper care of their customers and not punish them for no reason under a baseless policy. I want to know how this is at all justified, as the whole point of reporting these unauthorized transactions was so that I can still use the credit card, and not be left without any recourse or options for months. Please help me make this right!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: FL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-07-13 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX {$500.00} Opened XX/XX/XXXX Original Creditor XXXX XXXX XXXX  Opened 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 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX  XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: CA

Complaint narrative:
My credit is way too low. I'm getting credit pulls and my credit is suffering. I have 100 % payment history and XXXX % credit usage and my score doesn't go up it only gets lowered to the point of having XXXX credit score. That's not fair reporting

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 2024-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX and financed it with Navy Federal for {$56000.00}. On XX/XX/XXXX at approximately XXXXXXXX XXXX, I reached out to Navy Federal in regards to my protection plan on my auto loan and was made aware I did not qualify for GAP insurance until my loan reached 84 months. I was never informed of this policy until it was too late. The late afternoon on XX/XX/XXXX I was involved in a total loss accident which was deemed that I was not the at fault party. Due to no XXXX being attached to the financing in the amount of {$390.00}, I have been deemed responsible for {$27000.00} in debt with Navy Federal. Im a single XXXX mother of XXXX who attempted to pay this company $ XXXX {$450.00} a month but they are requesting almost {$700.00} a month for a loan that no longer has a vehicle attached and I keep being denied for the loan to be transferred to a personal loan or any other type. My personal insurance company applied {$28000.00} to the loan balance on XX/XX/XXXX. Im unable to pay the amount discussed above and its unfair practice on Navy Federal for not informing me of XXXX coverage not being applied to the auto loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My complaint is against Capital One Bank My Social security number used XXXX to open XXXX accounts # XXXX open date XXXX XXXX Fraud balance reported on credit bureaus XXXX I did not open or apply for a XXXX credit card issued by capital one bank. 

There was a second capital one credit card ending in XXXX XXXX XXXX # XXXX fraud balance showing on credit reports XXXX open date XX/XX/XXXX I did not apply or opened this account. 

This account was sent to a collection agency and requesting capital one to contact the collection agency to return fraud debt back to capital one due to fraud. 

Both accounts were already closed due to fraud concerns from me disputing both accounts from credit agencies ; however both accounts were never removed and deleted from each credit agency. 


Both accounts stated above using my social security number, I never opened or applied for any credit cards issued by capital one bank as checking my credit reports I have discovered bothf accounts ending in # XXXX And ending in # XXXX All accounts listed in my social were opened as fraud I never applied for any accounts and requesting this bank to delete and remove me from all responsibility and to contact collection agency on all accounts to return each account back to capital one due to fraud/opened I am requesting that each account is removed from all credit reporting agencies including XXXX report no later than XXXX XXXX to prevent legal action to sue civil suit monetary damages to Exceed more than XXXX in a civil court if both these account opened in my social security number aren't deleted from each credit agency by no later than XX/XX/XXXX to prevent a legal unnecessary monetary expense I am asking capital one bank to do the right thing. I am also requesting each credit inquiry pulled from XXXX  to be deleted from my report as well. 

My credit is very important to me and will exercise to the full extent of my legal resources to sue everyone involved for credit bureau damages and pain n- suffering and for FCRA Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
Allied collections is reporting false amount and being deceptive and violating the FDCPA

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 2024-07-13 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: DE

Complaint narrative:
I was just checking my credit report and I noticed some unauthorized inquiries on my credit report. I HAVE NO IDEA WHY SO PLEASE CHECK THE DOCUMENTS I'VE SENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: FL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-07-13 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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:
The account has been reinvestigated and came on XX/XX/XXXX back as accurate by EQUIFAX. The credit lor resonded that its not reporting on the reporting agencies but EQUIFAX is still reporting. I have a document to validate the response from the creditor.This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ), the Metro 2 standards, and the guidelines set by the Consumer Data Industry Association ( XXXX ) .Account Information : Creditor Name : XXXX XXXX XXXXAccount Number : XXXXAccount Type : Auto LoanDate Opened : XX/XX/XXXX, XXXX Balance : $ XXXXCurrent Balance : {$15000.00} ( as of XX/XX/year> ) Status : Charged Off, {$14000.00} written off, {$15000.00} past due as of XXXX XXXXThe above account information is inaccurately reported for the following reasons : Inaccurate Balance Reporting : Despite the vehicle being sold at auction, the balance is not accurately reflecting this transaction. The sale of the vehicle should have been applied to reduce the outstanding balance. However, this is not being reflected in the current balance.Reinvestigation Requirement under E-Oscar : According to the Metro 2 standards and the E-Oscar automated dispute system, I have reinvestigated this account three times, yet the information continues to be reported inaccurately. This continual misreporting indicates a failure in adhering to the required standards and protocols for accurate credit reporting.Re-Aging of Delinquency Dates : The account is being re-aged for late payments, which unlawfully extends the duration that this negative information remains on my consumer file. The Fair Credit Reporting Act mandates that late payments should only be reported for up to XXXX years from the original delinquency date. The consistent re-aging violates this regulation and unfairly prolongs the negative impact on my credit report.Given the above inaccuracies and violations of both Metro 2 standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as supporting documentation, including proof of the auction sale and prior dispute correspondence. Furthermore it has been deleted from XXXX and XXXX, Equifax must follow to be in compliance with the FCRA

Company response to consumer: Closed with non-monetary relief