vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: IL

Complaint narrative:
I requested original documentation from XXXX XXXX XXXX regarding an account they are reporting on my credit file. On XX/XX/scrub>XXXX XXXX XXXX I sent a formal dispute letter requesting validation and clarification of discrepancies in the account. While they provided some documentation, there are clear discrepancies in the information provided, and critical details are missing. I followed up with an additional request for explanation on XXXX XXXX XXXX, but they have not responded to either inquiry. Their failure to provide accurate, complete, and verifiable information raises concerns about the validity of the account. I subsequently filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX but the creditor did not address the issue, and the XXXX closed the case without resolution. This situation violates the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) : Under FCRA Sections 609 and 611, I have the right to request complete and accurate documentation for any account being reported to the credit bureaus. The creditor 's failure to address the discrepancies violates their obligation to provide verifiable information. FCRA Section 623 : As a furnisher of information, the creditor is required to ensure the accuracy and completeness of the data reported to credit bureaus. Their lack of response to my dispute and failure to correct the errors is a breach of this responsibility. Fair Debt Collection Practices Act ( FDCPA ) ( if applicable ) : If the creditor is a debt collector, they are in violation of FDCPA Section 809, which requires proper validation of debts. Additionally, their failure to address inaccuracies may violate Section 807, which prohibits false or misleading representations. I request that this account be removed from my credit file immediately due to the creditor 's noncompliance with these consumer protection laws. I have attached supporting documentation, including copies of my correspondence from XX/XX/XXXX and XX/XX/XXXX, as well as evidence of the discrepancies. I seek the CFPBs assistance in resolving this matter and holding the creditor accountable for their actions.

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 2024-12-18 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: IL

Complaint narrative:
I requested original documentation from XXXX XXXX XXXX regarding an account they are reporting on my credit file. On XX/XX/year>, I sent a formal dispute letter requesting validation and clarification of discrepancies in the account. While they provided some documentation, there are clear discrepancies in the information provided, and critical details are missing. I followed up with an additional request for explanation on XX/XX/year>, but they have not responded to either inquiry. Their failure to provide accurate, complete, and verifiable information raises concerns about the validity of the account. I subsequently filed a complaint with the XXXX XXXX XXXX XXXX XXXX ), but the creditor did not address the issue, and the XXXX closed the case without resolution. This situation violates the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) : Under FCRA Sections 609 and 611, I have the right to request complete and accurate documentation for any account being reported to the credit bureaus. The creditor 's failure to address the discrepancies violates their obligation to provide verifiable information. FCRA Section 623 : As a furnisher of information, the creditor is required to ensure the accuracy and completeness of the data reported to credit bureaus. Their lack of response to my dispute and failure to correct the errors is a breach of this responsibility. Fair Debt Collection Practices Act ( FDCPA ) ( if applicable ) : If the creditor is a debt collector, they are in violation of FDCPA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX correspondence from XX/XX/XXXX and XX/XX/XXXX, as well as evidence of the discrepancies. I seek the CFPBs assistance in resolving this matter and holding the creditor accountable for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
On XXXXXXXX XXXX XXXX XXXX  I, the consumer went into the XXXX XXXX XXXX dealership for a consumer transaction and was denied the extension of credit. The consumer was then contacted by the general manager by email stating that the if I needed assistance to contact him, on XX/XX/year>, I was advised that the application was pulled from XXXX XXXX XXXX XXXX, I was given an application number and advised to call the lender from the car sales manager XXXX XXXX XXXX XXXX stated they haven't received an application, the dealership is stating that they sent over the application to the lender and the lender states that they haven't received an application.

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 2024-12-18 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: TX

Complaint narrative:
On XXXX XXXX XXXX XXXX  I, the consumer went into the XXXX XXXX XXXX dealership for a consumer transaction and was denied the extension of credit. The consumer was then contacted by the general manager by email stating that the if I needed assistance to contact him, on XX/XX/year>, I was advised that the application was pulled from XXXX XXXX XXXX XXXX, I was given an application number and advised to call the lender from the car sales manageXXXX XXXX XXXX XXXX XXXX stated they haven't received an application, the dealership is stating that they sent over the application to the lender and the lender states that they haven't received an application.

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 2024-12-18 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-18 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: MS

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: MS

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2024-12-18 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: GA

Complaint narrative:
For the past several months, I've been sending certified mail to Experian and XXXX disputing inaccurate information on my consumer report. They haven't provided me with a proper investigation nor have they provided with the proper documentation. They aren't properly investigating these issues. When i spoke with a representative on the phone, they informed that they are using a software and no LIVE human is reviewing my disputes which is why I'm not getting results. It is their job to review this information, not a computer to do it. I recently mailed them letters, which i will attach below, disputing these inaccuracies along with proof of ID and proof of address. 

Experian XXXX Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking Number 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 2024-12-18 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Took a cab ride in XXXX, XXXX on XX/XX/year>. Trip was approximately XXXX miles going from the XXXX XXXX XXXX XXXX XXXXXXXX XXXX. At the rides end, cab driver said the charge was {$30.00}. I tried to pay in cash but he said he does not accept cash. Gave him my credit card for the {$30.00} charge. It took him a couple of minutes to process, he said he was having trouble connecting. The transaction finally went through. He gave back my card, jumped in his cab and took off. He did not offer me a receipt and took off quite quickly. Within less that a minute I received a text on my phone, from Capital One, saying that a charge had been processed for {$3200.00}. It asked me if this was legitimate, indicating they thought it could be fraud. I responded immediately to not honor the charge, said it was an overcharge. I then called Capital One, within 2 minutes, and spoke to a customer service rep in the fraud department. We reviewed all charges on the account for the previous 10 days to see if there were any other issues. I confirmed that there we not. 

I have contacted Capital One regarding this incident and they refuse to credit my account or resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The following below did not have permission to run a hard inquiry on my credit profile. I demand them to be removed immediately unless can prove from these businesses or banks that i gave them permission, this is my third time making Experian aware. XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXXXXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Reported XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX 2023

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 2024-12-18 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: FL

Complaint narrative:
I have an account which is reporting inaccurate payment history, I spoke with the creditor and they sent a letter to Equifax and XXXX for the late payment to be removed and it was not. This is a violation of 15 U.S. Code 1681 ( a ). Furthermore the creditor sent documentation to the credit reporting agency to remove the late payment.

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello all, please see supporting correspondence for my complaint

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 2024-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello all, please see supporting correspondence for my complaint

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 2024-12-18 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: NC

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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX 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 seven 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 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 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
XXXXXXXX XXXX opened and account and closed it the following morning without reason. No proof of the policy or reason for ending terms was presented. 

I also have an issue with Citizens bank modifying my deposits and ruining my bank History. 
XXXX XXXX XXXXXXXX didnt have records of my deposits either. 
Id electronically deposit from my second job but the funds werent available. Ultimately inaccurate reporting was done on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX, NA # XXXX Account Name : XXXX, NA # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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