vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I opened a XXXX XXXX XXXX  savings account at Capital One in XXXX. In XXXX, I was told today, Capital One began offering a new XXXX XXXX XXXX account with a much higher interest rate. I don't recall receiving any notification about the importance of this change. I always thought I had a XXXX XXXX XXXX account because my account name always said " XXXX. '' I finally learned by reading a XXXX XXXX, XXXX email from Capital One that I am currently earning XXXX percent interest on my money market account -- much less than the XXXX percent interest being paid on XXXX XXXX XXXX. I have thought for years that I was earning the higher interest rate. 

Capital One 's lack of communication to its existing customers about the impact of the XXXX change it made to its accounts was dishonest. I learned of it only today, on XXXX XXXX, XXXX. I calculate that this hidden change has cost me over {$20000.00} in lost interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: LEXISNEXIS
State: GA

Complaint narrative:
I am filing this complaint regarding LexisNexis Risk Solutions for erroneously reporting an at-fault accident on my consumer report that allegedly occurred in XX/XX/year>. This inaccurate information is negatively impacting my insurance rates, as it has been used by insurers to justify higher premiums. 

I have attempted to dispute this error with LexisNexis, but the dispute process is overly complex, burdensome, and not user-friendly. Despite providing sufficient evidence to demonstrate that this accident should not be attributed to me, LexisNexis has failed to properly investigate and correct the error on my report. 

This incorrect reporting is causing financial harm by inflating my insurance costs, and I am requesting the Consumer Financial Protection Bureau 's assistance to compel LexisNexis to correct my consumer report promptly and improve the fairness and accessibility of their dispute resolution process

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: MO

Complaint narrative:
I have a bill from XXXX XXXX in XXXX XXXX, I made a payment through the website they send me through physical paper mail. It's a third-party; Insta-med. To pull up the information and owe you required to have DOB ( Date of Birth ) and Account Number link with XXXX XXXX. Yes, XXXX  mess up and transfer my payment through XXXX XXXX XXXX XXXX XXXX XXXX ) local in Texas ( I never been to Texas states in my life, if you count the transfer airport then I might ). 

Now XXXX XXXX has been withhold my money for nearly XXXX  months ( I thought I had paid XXXX XXXX through XXXX ), I only know after XXXX XXXX transfer me to Debt Collector ( AR Resources, Inc ). I have email to them, request the money back, they said they can't because it pass XXXX  days calendar. After several ( XXXX weeks XXXX calls ) try to contact Operation of XXXX XXXX offer a check back to me. I had not heard anything from them since. I email my concern to XXXX XXXX XXXX replied the same, ask me ; myself to contact XXXX XXXX to request money back. I still have proof of email send, employee email from XXXX XXXX, and receipt I got from XXXX payment. 

I expect the XXXX resolve this since its their fault, not mine. 
They keep saying I'm the XXXX mess up the website, let say in theoretical, I enter wrong the website, then how can I enter to make payment with out account number if XXXX XXXX has no record of me, no account number of me, no DOB of me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Improper use of my credit report. Adding account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: DE

Complaint narrative:
XXXX reporting my credit without written consent as well as my social number being locked. 
XXXX account that's paid and closed still reporting my credit. 
TransUnion reporting my credit without written consent. 
XXXX reporting my credit without written consent. 

All these are violations under consumer law. 

All these companies operate under the Security Exchange Act In which I've only received inquiries, not credit.

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 2024-12-14 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: DE

Complaint narrative:
XXXX reporting my credit without written consent as well as my social number being locked. 
XXXX account that's paid and closed still reporting my credit. 
XXXX reporting my credit without written consent. 
Experian reporting my credit without written consent. 

All these are violations under consumer law. 

All these companies operate under the Security Exchange Act In which I've only received inquiries, not credit.

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 2024-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX I received a notice for {$140.00}. the very next day, I received another notice for {$180.00} there have been no rejected payments or issues on my account at all and the past due amount increased by {$45.00} overnight.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX account number : 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 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the validity of the kickoff lending account listed on the credit report. I do not have a contract with kickoff lending and demand that you provide complete validation of this account. Including : XXXX a copy of the original signed contract or agreement proving my obligation to this account. 
XXXX the full purchase agreement if the account was sold to a third party, including the date of transfer and payment details. 
XXXX proof of ownership and authorization to collect or report this account. 
XXXX an itemized statement of charges outlining the full account history, including dates, amounts, and any payments. 
XXXX copies of all communication between kickoff lending and me regarding this account. 

under the Fair Debt Collection Practices act ( FDCPA ), you are required to provide accurate and complete documentation to validate this debt. If you are unable to provide the requested documents, you must immediately removed the account from my credit report and cease any further collection activity. 

cease-and -desist Demand Effective immediately, I demand that you cease all communication with me regarding this account except to provide Written proof of its validity as requested above. Failure to comply with request will constitute a violation of the FDCPA and may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You are now out of the time frame to " update '' or fix the account this is a deman of deletion. 
If I am misadvised or the laws that I attached aren't withholding please using other laws explain to me how XXXX  is still appearing on your report after : I showed the company ignoring me and immediately closing out my complaints ( see attached ) I showed you where the supervisor said he will personally look into the case and get back with me and as of XX/XX/year> up until today I got XXXX response ( see attached ) I even showed you guys proof of my new agreement due to disaster a deferment was set up allowing me to change my due date you guys said you validated and updated the account but ( see attached ) as of XX/XX/year> this account hasn't been updated I went over every single violation and found I'm also due monetary relief correct? I demand accountability and the removal of this account immediately. ( see attached list of laws )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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:
You are now out of the time frame to " update '' or fix the account this is a deman of deletion. 
If I am misadvised or the laws that I attached aren't withholding please using other laws explain to me how XXXX  is still appearing on your report after : I showed the company ignoring me and immediately closing out my complaints ( see attached ) I showed you where the supervisor said he will personally look into the case and get back with me and as of XX/XX/year> up until today I got XXXX response ( see attached ) I even showed you guys proof of my new agreement due to disaster a deferment was set up allowing me to change my due date you guys said you validated and updated the account but ( see attached ) as of XX/XX/year> this account hasn't been updated I went over every single violation and found I'm also due monetary relief correct? I demand accountability and the removal of this account immediately. ( see attached list of laws )

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 2024-12-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Property Receivables, Corp
State: CA

Complaint narrative:
This company I have no affiliation with, never worked with or had an account with is accusing for a large debt. The company has never validated the information. I have never received a letter, proving documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tenaglia & Hunt, PA
State: MD

Complaint narrative:
XXXX XXXX. has previously attempted to collect an alleged debt through various collection agencies but has failed to provide supporting documentation, such as account statements or cardholder agreements, necessary to validate the debt. Without this documentation, I have been unable to determine the legitimacy of the claim or resolve the matter amicably. 

More recently, XXXX filed a lawsuit through the law firm Tenaglia & Hunt, P.A. Despite this legal action, there has been no direct communication or disclosure regarding the details of the alleged debt. The only correspondence I have received has come in the form of unsolicited mail from consumer protection attorneys, which has done little to clarify the issue. 

I believe XXXX failure to provide proper documentation and its subsequent legal action demonstrate an attempt to pressure me into compliance rather than resolve the matter transparently and in good faith. I am submitting this complaint to request that XXXX be required to provide the necessary documentation and work toward a fair resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX  XXXX account number : 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 2024-12-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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:
Improper use of my credit report. Adding account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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:
Improper use of my credit report. Adding account without my permission.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I disputed an innaccurate account with Experian. Specifically the account listed as XXXX XXXX, Acct # XXXX on XX/XX/year> and on XX/XX/XXXX, I received a response from Experian stating that even though the account is incorrect, it will still remain on my credit report. Please see the screen shot provided as proof of the admission that the account is " incorrect '' by Experian and delete from my credit. I also ask that the CFPB take notice and action if this account is not immediately deleted.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXXXXXX account number : 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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, Re : Pre-Arbitration Dispute Resolution Request I am writing to formally initiate the pre-arbitration dispute resolution process as outlined in the arbitration agreement between myself and Equifax. I have encountered unresolved issues with my credit report that I have attempted to address through the dispute process but have not received a satisfactory resolution. 

Despite submitting multiple disputes and providing the necessary documentation to correct inaccuracies on my credit file, I have yet to see any meaningful progress in resolving these matters. Specifically, I am dissatisfied with the ongoing failure to address the discrepancies and the repeated letters stating that my credit profile can not be located, which I believe is unacceptable and does not comply with applicable laws. 

Given that these issues have remained unresolved and in accordance with the arbitration agreement, I am now taking the necessary steps to attempt an amicable resolution before proceeding with arbitration. This letter serves as my formal request to initiate the pre-arbitration process in good faith, and I seek to resolve this matter promptly. 

Please confirm receipt of this letter and provide further instructions on the next steps in this pre-arbitration process. If additional documentation or information is needed to proceed, I am happy to provide it. 

I look forward to your prompt response and resolution of these issues. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX i am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.I need clarification as to why you are reporting certain information on my credit report. Please review the following ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 


After you have finished my request, send me a copy of my credit report reflecting these changes.

Company response to consumer: Closed with non-monetary relief