vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
XXXX XXXXXXXX XXXX has been calling my work phone multiple times of day, usually at least 5 times in one day. They called the same office phone 10 times in one weekend. This is on top of the 5+ times a day they call my cell phone. They sent my bill to a collection company a few months ago so I feel I no longer need to work with them on my bill because I am already working with the collection company making payments. I did advise them of this but they call incessantly all hours of the day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently pulled my credit report and noticed unauthorized transactions on my personal credit. I am writing to formally dispute the accuracy of information contained in my credit report as provided under 15 U.S.C. 1681 ( a ) ( 2 ). I have identified 14 Hard Inquiries. 

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 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  All of which is being reported without a permissible purpose, as mandated by the Fair Credit Reporting Act ( FCRA ) .Specifically, under 15 U.S.C . 1681b ( a ) ( 2 ), consumer reporting for certain legitimate purposes. I request that you conduct an investigation into this matter and remove the disputed information from my credit report if it is found to be reported in violation of the law.

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 2024-10-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding was laid off and they stated to me that it would be taken off my credit report and it is still showing a charged off balance. I have the receipt and all!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: MS

Complaint narrative:
I disputed an inaccurate reporting account in XX/XX/year> with XXXX and Experian. XXXX has found that the account was indeed inaccurately reporting which is a violation to my consumer rights and removed the account from reporting. Experian on the other hand never sent me a response or update from this account disputing. I recently just checked and the inaccurate account is reporting via Experian. Experian never held an investigation on their end and disregarded my dispute. XXXX removed and deleted account from reporting and to my understanding is that all 3 bureaus receive the same information on these accounts and should be reporting the same across all 3 bureaus. There is some discrepancies in this prior investigation with Experian.

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 2024-10-03 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: PA

Complaint narrative:
Subject : Notice of Dispute Compliance with 15 U.S.C. 1681n Dear CFPB & Bureaus I am writing to formally dispute the reporting of the XXXX XXXX account on my credit report, as reflected by Equifax This account has been deleted by XXXX and XXXX due to the inability to verify it, yet Equifax is still reporting it as a charge-off account. I believe this continued reporting to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n. 

Additionally, I note that both Equifax is reporting the account with a credit limit, which is incorrect as the account has been charged off. Furthermore, the account is being reported as charged off in consecutive months, which is misleading and does not accurately represent the account status. 

I kindly request that Equifax conduct an investigation into the accuracy of the reported information, as required by the FCRA. I expect this matter to be resolved promptly, and I request written confirmation once the investigation is completed. 

Please be aware that failure to comply with the provisions of the FCRA may result in legal action, including claims for damages under 15 U.S.C. 1681n. 

Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
-- - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : ChexSystems Consumer Relations XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX **Subject : Request for Removal of Incorrect Phone Number from Credit Report** Dear Sir/Madam, I am writing to formally request the removal of invalid phone numbers that appears on my credit report. The details of my request are as follows : Name : XXXX XXXX XXXX Social Security Number ( last XXXX digits ) : XXXX Date of Birth : XX/XX/XXXX Phone Number ( s ) to be Removed : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction or removal of inaccurate information on my credit report. The phone number mentioned above is incorrect and should not be associated with my credit profile. 

I kindly ask that you investigate this matter and update my credit file accordingly. Please remove the erroneous phone number from my report and send me a corrected copy once the changes have been made. 

I have attached a copy of my identification ( State ID ) and a bank statement to verify my identity and address. 

Thank you for your prompt attention to this matter. I expect that the inaccurate information will be investigated and corrected within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX **Attachments : ** - Copy of ID - Proof of Address -- -

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2024, after being on hold for over one hour, I spoke to a representative at XXXX. I informed the representative that XXXX had duplicated the student loans in my credit report, which is preventing me from qualifying for a mortgage. The representative told me that they would work on resolving the duplicate student loan reporting. 

Because the duplicate credit reporting was not resolved, I called XXXX again on XX/XX/2024 ; after being on hold for 1 hour and 27 minutes, I could not reach anyone. 

XXXX XXXX  error prevents me from qualifying for a mortgage and purchasing a home.

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 2024-10-03 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: AL

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 explanation
Consumer complaint received 2024-10-03 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: CT

Complaint narrative:
I have tried and tried to have these negative items removed from my credit report to no avail. This company is illegally reporting information on my personal credit reports without justification or consent. They are required to remove all inaccurate, false reporting, and outdated items from my reports and that has not been done. Furthermore my privacy rights are being violated, my character is being defamed, and no one has ever obtained my permission to any of these things. I do and have not consented to these proceedings. 

The following information is being inaccurately reported on my files and I'd like to have them all removed! 

XXXX XXXXXXXX, {$230.00} XXXX XXXX XXXX XXXX, {$240.00} XXXX XXXX XXXX XXXX XXXX, {$420.00} XXXX XXXX XXXX XXXX XXXX, {$620.00} XXXX XXXX XXXX XXXX XXXX, {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX, {$1400.00} XXXX XXXX XXXX {$4900.00} XXXXXXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX, XXXX, {$29000.00} XXXX XXXXXXXX, {$8000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX, XXXXXXXX, {$360.00} XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX, XXXX XXXX {$9100.00} Inquiries Listed : XXXXXXXX XXXX XXXX XXXX Us Department Of EduXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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 - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number XXXX XXXX Account Name : XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX- Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXXXXXX 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 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 2024-10-03 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: 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 - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX- Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXXXXXX 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 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 2024-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
On XX/XX/year>, I applied for the Home Depot consumer credit card. Their website states, " See if you prequalifyNo impact to credit score. '' I decided to get prequalified and received a message that they couldn't get my credit report because it was frozen. They advised me to unfreeze it and call back. I did exactly that. When they went on to inquire about my credit report, they told me I was denied. I later found out that the reason was because of an issue with my address. I tried to correct the issue to get approved, but they have been unwilling to help with the process. My main issue is that they did a hard inquiry on my credit report and took off XXXX points when they clearly stated, " First, find out if you pre-qualify for The Home Depot Consumer Credit Card. This will not impact your credit score. If you're pre-qualified and accept the offer, your credit score may be impacted. '' As I mentioned before, I was not pre-qualified, nor did I accept any offer that would give them a reason to take XXXX points off my credit score and make a hard inquiry that I never agreed to.

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 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notification of a XXXX transfer, it wasnt me doing the transfer, so I call Wells Fargo customer service right away to notify them, then they proceeded on blocking my online access to prevent further transfer. Only to my surprise when I regained access I notice that multiple transfer were approved in the amount of {$3000.00} and checks were ordered and sent to New York. Now the checks are being written though the account has been closed. 
Wells Fargo is blaming me to have authorized these transactions ( I dont even know the people that the money was sent to, they live in NY and I live in XXXX ) and is refusing to give me back my money. I have call multiple times and went to the branch 3 times with no resolution. 
I just want my money back, I m not rich and I work hard for my money, I have kids to take care of. Please help me Thank you 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 monetary relief
Consumer complaint received 2024-10-03 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:
I am writing to formally dispute inaccurate information being reported on my credit file by XXXX XXXX. The account in question was opened on XX/XX/year>, but the application was revoked prior to any activity. The account was closed by the grantor on XX/XX/year>, with no payments, transactions, or any other account experiences ever recorded. It is currently showing a {$0.00} balance with a {$1500.00} credit limit, and the account status is listed as " Closed by Credit Grantor. '' The continued reporting of this account violates several provisions under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as no permissible purpose exists for this account to remain on my credit report. In accordance with FCRA Section 604, permissible purpose must be established for any entity to access or report information on my credit file. Given that this account was revoked before any use or responsibility, there is no justification for the account 's continued presence. 

Additionally, under the FDCPA, any information furnished must be accurate and complete. The absence of any payments, transactions, or experiences with this account further solidifies that this reporting is incomplete and misleading. 

I respectfully request that this account be removed from my credit report immediately due to its erroneous and incomplete nature.

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 2024-10-03 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: DC

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 XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : **** Unauthorized inquiries : XXXXXXXX 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 2024-10-03 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:
In accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. These accounts are not accurate and I have caused great harm to my credit score. I have tried many times with the credit bureaus but they have failed to verify my accounts. I have provided documentation of court decisions on the validity of these accounts but they seem to ignore them. I did not have incorrect accounts deleted as per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
-- - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, XXXX  XXXX **Subject : Request for Removal of Incorrect Phone Number from Credit Report** Dear Sir/Madam, I am writing to formally request the removal of invalid phone numbers that appears on my credit report. The details of my request are as follows : Name : XXXX XXXX XXXX Social Security Number ( last 4 digits ) : XXXX Date of Birth : XX/XX/XXXX Phone Number ( s ) to be Removed : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction or removal of inaccurate information on my credit report. The phone number mentioned above is incorrect and should not be associated with my credit profile. 

I kindly ask that you investigate this matter and update my credit file accordingly. Please remove the erroneous phone number from my report and send me a corrected copy once the changes have been made. 

I have attached a copy of my identification ( State ID ) and a bank statement to verify my identity and address. 

Thank you for your prompt attention to this matter. I expect that the inaccurate information will be investigated and corrected within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX **Attachments : ** - Copy of ID - Proof of Address -- -

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