vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 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: NY

Complaint narrative:
When i was attempting to take a loan for a car, the bank told me that there is a negative report in my file indicating that i never paid this credit card. I never opened a credit card under Capital one for {$500.00}. I have contacted experian to file a complaint regarding shutting down this account that was taken out in my name. The bank stated that this card was opened in XX/XX/2022. At that time, I was only 18 years with no knowledge how to open a credit card. I contacted Capital One and they gave me the info on this card. The balance has know increased to {$1100.00} because of non- payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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:
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 2024-07-25 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:
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 2024-07-25 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: IN

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 2024-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CB1, Inc.
State: MT

Complaint narrative:
I have medical debt. I do not dispute that. I offered a payment of {$50.00} a month and the gentlemen I spoke to stated that was not sufficient and stated they could not accept that low of a payment. I stated that is all I can afford. I even stated to him are you refusing to accept what I am offering. He stated he could take the payment but they are going to still garnish my check. I stated that if they do that I am going g to lose my house. Then basically stated that they are allowed to take 25 % of my income. The agent was threatening and smug. I don't feel any amount offered on a regular basis should be denied and action to ruin someone life because they don't want to accept what XXXX  be given.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account with ( creditor name ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 60 days 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.

( CREDITOR NAME ) 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 8

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 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
CFPB Complaint Against Collection Agency XXXX XXXX XXXX XXXX XXXX Complaint : I am filing a complaint against [ Portfolio Recovery ] for violating the Fair Debt Collection Practices Act ( FDCPA ) and my rights under federal law.

Specific Violations : Failure to Provide Validation information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency has not provided me with written validation notice required by law. This notice details the debt, its creditor, and my rights to dispute it. Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : Without receiving the validation notice, I haven't been given the chance to dispute the accuracy of the debt. False, Misleading, and Deceptive Practices ( 15 USC 1681-S 2 ( 7 ) ( A ) : By Placing a collection account on my credit report without proper validation and dispute opportunity, the agency is using deceptive means to collect the debt. Unauthorized Furnishing of information ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S 2 ( 7 ) ( A ) ) : The collection agency has no right to furnish this debt to credit reporting agencies without following the required legal disclosures. Additional information : I have not received any communication from the collection agency regarding this debt. If they attempted mailed communication they must provide a tracking number confirming delivery XXXX my current living situation, I can not receive mail at the address they have on file. Therefore, any mailed communication likely wouldn't have reached me. They can not assume I received information they couldn't demonstrably deliver.

Request : Irequest the CFPB to investigate these violations and take appropriate action against the collection agency. This may include : Ordering the agency to remove the collection account from my credit report. Requiring them to provide me with proper validation notice and dispute process. Stopping them from using any further deceptive practices in collecting this debt Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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:
This is my formal complaint to TRANSUNION. I am seeking the correction of inaccurate and fraudulent accounts in my credit reports to accurately reflect the correct information. I assert that the accounts in question were made on erroneous and unverified. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant accounts. The portrayal of inaccurate and fraudulent accounts in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information. I have attached an FTC report with the report number XXXX to support this 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 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: MN

Complaint narrative:
Back in 2020 before I was XXXX there was a first progress credit card opened in my name and charged off. I have disputed it with first progress multiple times with them saying itll be off my credit with no change I have reached out to their fraud department and get a runaround of they cant do anything. I have reached out to the three credit bureaus in efforts of disputing this with minimal success. My identity was stolen, and the creditor is not working with me for a resolution. The remaining balance went to collections, which I did take care of, in efforts of getting it off my credit, because I was told that is the only way. They are still updating four years later on a closed account and is not helping me take care of this fraud. First progress also opened a duplicate account with the exact same information being reported so I have two accounts being reported on my credit when I should have XXXX with this creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX Email : XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Complaint Regarding Credit Bureau and XXXX XXXX - Reinvestigation Failure Dear CFPB, I am writing to file a formal complaint regarding a recent issue with a credit reporting agency and XXXX  XXXX, specifically concerning the failure to reinvestigate and correct inaccurate late payment information on my account. This complaint is based on the provisions under 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). 

Details of the Complaint : Account Holder Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Credit XXXX XXXX XXXX : Equifax XXXX of Dispute Submission : XX/XX/year> Background : On XX/XX/year>, I submitted a dispute to XXXX regarding a late payment reported on my XXXX  XXXX account. The disputed information inaccurately reflected my payment history and was not consistent with my actual payments. I provided supporting documentation to demonstrate that the reported late payment was incorrect. 

Issue : Despite my detailed dispute and the evidence provided, the credit bureau failed to conduct a thorough reinvestigation as required under 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). The inaccurate late payment information has not been corrected or removed from my credit report, negatively impacting my credit score and financial standing.

Request for Action : I kindly request the CFPBs assistance in ensuring that : 1. The credit bureau in question conducts a comprehensive reinvestigation of the disputed late payment on my XXXX XXXX account. 
2. The inaccurate information is corrected or removed from my credit report as soon as possible.

3. I am provided with a copy of my corrected credit report once the investigation is complete. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any additional information. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a {$2000.00} gift card with my Discover Card in a local XXXX XXXX. The gift card was a small wedding gift to a young couple as I was not attending the wedding, which is scheduled for XX/XX/XXXX. When I found out the gift card did not arrive at the location in XXXX, XXXX on XX/XX/XXXX, I immediately called Discover on XX/XX/XXXX, Thurs, to stop payment on the gift card so that no other person could have access to this card. When I spoke to XXXX in Billing at about XXXX XXXX, XXXX of Discover refused to stop payment. 
I followed up writing to the Discover Executive Dept. Finally, on Fri, XX/XX/XXXX, I received a call from XXXX. XXXX refused to stop payment on the card with an unsatisfactory explanation. The only reason XXXX responded was that I put in a XXXX XXXX XXXX  XXXX, Case # XXXX. 
I would like your Consumer Fraud Protection Bureau to follow up with an investigation. Something doesn't add up. For every other charge card I won, Customer Service has always made a stop payment for me in the few times I requested it over time, and, for any reason. With Discover, I requested a simple " stop payment '' on a {$20.00} XXXX charge card. I had no stake or motivation in requesting this stop payment other than to make sure no other person would have access to it should the charge be opened up by an unknown person. Please note the XXXX in which I purchased the {$20.00} charge card was kind enough to return {$20.00} in cash to me. However, this is even more reason to make sure that the credit card is not used by any other person..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: MD

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights.

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 2024-07-25 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: MN

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have requested documents from the bureaus & I have not received anything from them confirming this account

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 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I received notifications from CHASE BANK that my debit card was being charged on XXXX for some unauthorized purchases totaling about {$170.00}. It was charged a total of 4 times and my account was locked. Username changed and password changed. I disputed the charges with Chase bank first and they reversed the charges pending investigation. Now they reinstated the charges and said that they were authorized. when I called XXXX and told them my account was hacked they had to unlock it and recover it for me. But because I called my bank first to dispute the charges and it was reversed and reinstated by the bank XXXX claims the fund are now non refundable. Neither Chase or XXXX are doing what they are supposed to do. Which is to help their customers against fraud and situations like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have tried more than once to amicably resolve this issue with TD, but they refuse to comply. I now intend to exercise my dispute resolution agreement and arbitrate with them if this can not be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: OH

Complaint narrative:
I recently reviewed my credit report and I found that there are a lot of fraudulent and inaccurate items being reported, please see attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: CO

Complaint narrative:
I called and ws told XXXX XXXX accounts had positive balances that they couldn't close my accounts and send me a check. I spoke with XXXX on XX/XX/year> around XXXX XXXX. They offered a credit, and for me to call the next day to issue a credit but refused to actually close the accounts as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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