vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 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: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Subject : Dispute of Charge Card on Credit Report I am writing to formally dispute the inaccurate information regarding a charge card on my credit report. I believe this account should be removed due to inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which grants consumers the right to dispute inaccurate information in their credit reports. 

I am requesting the removal of this charge card from my credit report based on the following reasons : 1. **Inaccuracy of Information : ** The account does not accurately reflect my payment history or account status.

2. **Failure to Verify : ** I have previously disputed this account, and the information has not been adequately verified as required under 15 U.S.C. 1681s-2 ( a ) ( 8 ). 

Please conduct a thorough investigation of this account and provide me with the results of your findings. If you are unable to verify the accuracy of this charge card, I request that it be removed from my credit report. 

I would appreciate your prompt attention to this matter. Please send all correspondences regarding this dispute to my address listed above.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: World Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Subject : Dispute of Charge Card on Credit Report I am writing to formally dispute the inaccurate information regarding a charge card on my credit report. I believe this account should be removed due to inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which grants consumers the right to dispute inaccurate information in their credit reports. 

I am requesting the removal of this charge card from my credit report based on the following reasons : 1. **Inaccuracy of Information : ** The account does not accurately reflect my payment history or account status.

2. **Failure to Verify : ** I have previously disputed this account, and the information has not been adequately verified as required under 15 U.S.C. 1681s-2 ( a ) ( 8 ). 

Please conduct a thorough investigation of this account and provide me with the results of your findings. If you are unable to verify the accuracy of this charge card, I request that it be removed from my credit report. 

I would appreciate your prompt attention to this matter. Please send all correspondences regarding this dispute to my address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: IL

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : \ 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2024-08-27 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: CA

Complaint narrative:
I was shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they got there. When I checked my report as I usually do, I was taken aback by the discrepancies that suddenly appeared. I even refreshed my browser, hoping it was just a glitch, but the errors remained. Because of this, Im urgently requesting a thorough review of the documents Ive sent, so I can put this issue behind me once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Capital One regarding the withholding of my funds for nearly one month. Despite repeated attempts to resolve this issue, I have been unable to access my money, which has caused significant financial hardship, including the inability to pay my bills.

Capital One has consistently delayed the release of my funds, citing the need for an investigation. However, despite the prolonged duration of this investigation, I have received no updates or resolution. I contacted Capital One multiple times, and two weeks ago, they assured me that the funds would be released. As of today, the funds have not been transferred, and my requests for information are met with generic responses, such as, we can not provide further information at this time. 

I have researched this issue and found numerous accounts of similar experiences from other customers on forums such as XXXX ( /r/CapitalOne ), where it appears this is a recurring issue with Capital One. The lack of transparency and customer service is deeply troubling, and I believe this matter warrants an investigation by the CFPB. 

Furthermore, when I contacted Capital One on XX/XX/XXXX, I spoke with a manager who was extremely unhelpful. I followed up on XX/XX/XXXX and was met with the same dismissive and rude attitude. Capital One also advised me to contact XXXX to reverse the funds, but XXXX has confirmed that they are unable to do so. 

I am extremely frustrated by the lack of progress and the treatment I have received. I believe that Capital One 's actions may constitute a violation of consumer protection laws, and I respectfully request that the CFPB conduct a thorough investigation into this matter. I am also prepared to pursue legal action if this situation is not resolved promptly. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MEI AUTO FINANCE INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Subject : Dispute of Inaccurate Collection Accounts with MEI AUTO FINANCE I am writing to formally dispute the accuracy of the collection account referenced in your records under the account number [ Account Number ]. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically under 12 CFR 1006.34 ( d ), I have the right to dispute any debt that I believe to be inaccurate. 

I would also like to draw your attention to 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which stipulates that furnishers of information must ensure the accuracy of the information they provide to consumer reporting agencies. I believe this account has inaccuracies that need to be investigated, and I request that you provide verification of this debt, including any documentation that substantiates your claim. 

Please provide me with the following : 1. The original creditors name and address.

2. The amount of the debt.

3. A detailed account of how this debt has been calculated.

4. Any documentation that verifies the validity of the debt.

In the absence of such verification, I request that you cease all collection activities and remove this account from my credit report. 

I look forward to your prompt response to this matter. Please send all correspondences regarding this dispute to my address listed above. 

Thank you for your immediate attention to this issue.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: NY

Complaint narrative:
Re American Express Blue Cash Everyday card : Deceptive practice This summer I have been purchasing many items online as materials and fixtures for my apartment renovation. I have used the above AmEx card because it offers 3 % cash back on online retail purchases. I learned today XX/XX/XXXX that my ability to earn 3 % back ceased on XX/XX/XXXX when I had reached {$6000.00} in purchases, and until the new year such purchases would earn 1 %. But AmEx did not inform me of that decreased reward amount until today when I called for an explanation regarding the absent 3 % designation on my monthly statement. Thus since XX/XX/XXXX I unknowingly made FIFTEEN purchases totalling {$1300.00} for which I will earn not {$39.00} but {$13.00}. 

This is a deliberate deceptive practice. It is impossible to keep track of how much one has spent up to any point on the calendar with a particular feature of a single credit card. XXXX can't just sum the amounts of monthly statements because on AmEx expenses for groceries and for gasoline, also rewarded with 3 % cash back, each have their own {$6000.00} maximums. I asked the AmEx representative why I wasn't informed that my cash back status had changed and was told that they didn't do that. Had they emailed me that they were cutting me off from the 3 % I would not have used AmEx but a XXXX card that gives me 2 % back on everything and without a limit. By not telling me, they got my charges but did not have to reward me what they had promised. 

Please inform others of this deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: Kikoff Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Subject : Dispute of Charge Card on Credit Report I am writing to formally dispute the inaccurate information regarding a charge card on my credit report. I believe this account should be removed due to inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which grants consumers the right to dispute inaccurate information in their credit reports.

I am requesting the removal of this charge card from my credit report based on the following reasons : 1. **Inaccuracy of Information : ** The account does not accurately reflect my payment history or account status.

2. **Failure to Verify : ** I have previously disputed this account, and the information has not been adequately verified as required under 15 U.S.C. 1681s-2 ( a ) ( 8 ).

Please conduct a thorough investigation of this account and provide me with the results of your findings. If you are unable to verify the accuracy of this charge card, I request that it be removed from my credit report.

I would appreciate your prompt attention to this matter. Please send all correspondences regarding this dispute to my address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
This company refused to help me in my hard time, when the automatic line said they will help with hard times. They refused to help me even a little. Then they closed my account, and threaten to sue me and now the account was sold to collectors and written off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: CA

Complaint narrative:
I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$8600.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-27 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$6800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-08-27 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: TN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went to the store to purchase a mattress. We decided upon a model and the sales person asked me to fill some information to check how much I credit I would have to purchase it. The person never mentioned opening a credit card. Just a credit check. After a while and we decided to cancel the purchase as the sales person was very pushy. We told her and left the store. A few days later a credit card from the store arrive at my address. I called and requested it canceled. They said it was done but I am waiting on confirmation.

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 2024-08-27 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: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, PA, XXXX and XXXX XXXX XXXX XXXX XXXX, MD, 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 2024-08-27 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: CA

Complaint narrative:
I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.

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