vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 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:
Dear Equifax I see that you verified the account listed below XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to.

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a bankruptcy reporting on my credit file that doesn't exist. I tried to request validation and dispute this remark and the credit reporting agencies don't even respond back. I have now sent two disputes with not even a single respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a bankruptcy reporting on my credit file that doesn't exist. I tried to request validation and dispute this remark and the credit reporting agencies don't even respond back. I have now sent two disputes with not even a single respond.

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 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: PA

Complaint narrative:
I had a keybank back in XXXXXXXX XXXX i had an employment check put through the account and they instantly marked it as fraud my company pulled the money out and deposited in a new account now through XXXX XXXX the fraud was then lifted in the beginning of XXXX with keybank now i went to make a seperate account on XXXX as a joint account, so now i have my own personal, and now joint account through XXXXXXXX XXXX and XXXXXXXX XXXX  is now freezing both my accounts because of the fraud with keybank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: KY

Complaint narrative:
Pursuant to 18 USC ( 8 ) I owe no debt this company is violating my consumer right to privacy pursuant to 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1681A ( 2 ) ( a ) ( i ) Late payment 15 USC 1692 ( i ) legal action by debt collectors 15 USC 1692e false or misleading representation Account # XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-06 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. the fair reporting act. XXXX XXXX XXXX XXXX HARD INQUIRY ON CREDIT REPORT Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( 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. i did not give written consent also these accounts are fraudulent these accounts where disputed years ago and the reporting agency still have not deleted these accounts listed this is a violation to my rights please delete asap

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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
Wells Fargo failed to address disputed transactions in compliance with XXXX  terms ; the bank is engaging in deceiving practices to frustrate the attempt to resolve a disputed transaction over a procured item from a supplier in XXXX that was wrongly delivered by the supplier. 

I am requesting the agency to assume full jurisdiction over this matter.

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 2023-12-06 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 writing to demand removal of all charge off 's, collections and public information removed from my report. This is a violation of 15 UCS 1681 ( a ) 4 and my right to privacy. 
Thank you.

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 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I was contacted by this company claiming I owe a debt from XXXX, something that is not on my credit and hasnt been since at least XXXX which was as far back as my records went. I told them they needed to send me proof or some sort of verification of this debt to my via the mail and not to contact me again by phone. They have continued to use spoof calling to me and my family members leaving messages with no information, calling me a person of interest whatever that means, and every time I block one number they spoof a new one. They will call back to back to back when I decline the call. All the fake numbers they use lead back to portfolio recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I attempted to make a payment on my capital one credit card on the statement due date. Capital one would not allow me to apply my payment on the actual date the payment was being made due to it being past XXXX XXXX XXXX and forced me to select the next date which resulted in me getting charged a late fee. I have never encountered a company that would set a time to post a payment especially in a global and virtual environment. This is gross predatory behavior and just a way to collect more fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I opened a amazon credit card in XXXX and paid above the balance in full or above the required minimum and was never late with my payments. I received a letter on Saturday XX/XX/XXXX at XXXX XXXX stating that due to credit reports they are lowering my available credit by {$270.00}. This seemed odd to me and I reached out to the company for a further explanation, after dealing with incredibly rude smug customer service representatives they were unable or unwilling to provide any answers that I had and suggested that I review the agreement. So I did and I was able to figure out that they were able to justify a rate increase due to their own lowering of my available credit because of a credit reporting agency that i have never heard of and is reporting a significantly lower credit score than the other credit reporting agencies. I have had a decrease in credit usage and my income has increased in the past 6 months so it's extremely confusing how they can justify the decrease in credit, other than unchecked corporate greed of course.This seems extremely unethical at the very least and possibly illegal. This is extremely frustrating during the holidays and seems heartless.

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 2023-12-06 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. the fair reporting act. XXXX XXXX XXXX XXXX HARD INQUIRY ON CREDIT REPORT Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX info Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX XXXX Contact info Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX Phone XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( 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. i did not give written consent also these accounts are fraudulent these accounts where disputed years ago and the reporting agency still have not deleted these accounts listed this is a violation to my rights please delete asap

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 2023-12-06 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-12-06 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: NJ

Complaint narrative:
I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-06 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: AL

Complaint narrative:
I am writing to dispute XXXX inquiries on my Experian credit report that I believe are fraudulent. These inquiries have negatively impacted my credit profile, and I request that they be thoroughly investigated and removed from my credit report as soon as possible. 
The details of the disputed inquiries are as follows : 1. Inquiry by XXXX XXXX NA on XX/XX/XXXX 2. Inquiry by XXXX XXXX XXXX on XX/XX/XXXX 3. Inquiry by XXXX XXXX XXXX on XX/XX/XXXX XXXX. Inquiry by XXXX XXXX XXXX  ( XXXX Card ) on XX/XX/XXXX I have no knowledge of authorizing or applying for credit with XXXX  XXXX NA or XXXX XXXX XXXX  on the specified dates. These inquiries do not correspond to any legitimate credit applications made by me, and I have not initiated any new credit relationships with these institutions during the stated periods. 

Due to the fraudulent nature of these inquiries, I am concerned about potential identity theft or fraudulent activity on my credit report. I have taken immediate steps to secure my personal information and have placed a freeze on my credit with the major credit bureaus to prevent further unauthorized access. 

I kindly request a thorough investigation into these inquiries to determine their legitimacy. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries on my credit report. 

Furthermore, I request that Experian take the necessary actions to remove these fraudulent inquiries from my credit report, as they are affecting my creditworthiness and financial standing. I understand that the Fair Credit Reporting Act ( FCRA ) requires accurate and fair reporting, and these inquiries do not meet those criteria. 

Please inform me of the results of your investigation and any actions taken to address this dispute. I can be reached at XXXX if you require any additional information or documentation from my end. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this dispute and the removal of these fraudulent inquiries from my Experian credit report.

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 2023-12-06 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: AL

Complaint narrative:
I am writing to dispute XXXX inquiries on my Experian credit report that I believe are fraudulent. These inquiries have negatively impacted my credit profile, and I request that they be thoroughly investigated and removed from my credit report as soon as possible. 
The details of the disputed inquiries are as follows : 1. Inquiry by XXXX XXXX NA on XX/XX/XXXX 2. Inquiry by XXXX XXXX XXXX on XX/XX/XXXX 3. Inquiry by XXXX XXXX XXXX on XX/XX/XXXX 4. Inquiry by XXXX XXXX Bank ( XXXX Card ) on XX/XX/XXXX I have no knowledge of authorizing or applying for credit with XXXX  XXXX NA or XXXX XXXX Bank on the specified dates. These inquiries do not correspond to any legitimate credit applications made by me, and I have not initiated any new credit relationships with these institutions during the stated periods. 

Due to the fraudulent nature of these inquiries, I am concerned about potential identity theft or fraudulent activity on my credit report. I have taken immediate steps to secure my personal information and have placed a freeze on my credit with the major credit bureaus to prevent further unauthorized access. 

I kindly request a thorough investigation into these inquiries to determine their legitimacy. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries on my credit report. 

Furthermore, I request that Experian take the necessary actions to remove these fraudulent inquiries from my credit report, as they are affecting my creditworthiness and financial standing. I understand that the Fair Credit Reporting Act ( FCRA ) requires accurate and fair reporting, and these inquiries do not meet those criteria. 

Please inform me of the results of your investigation and any actions taken to address this dispute. I can be reached at XXXX if you require any additional information or documentation from my end. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this dispute and the removal of these fraudulent inquiries from my Experian credit report.

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 2023-12-06 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Collection agency, has not validated the debt and they still continue to report to the credit bureaus. 
Continue to attempt to communicate with myself using email even though Ive asked them not to.

Consumer protection afforded by the FDCPA FDCPA Section 809 ( b ) FTC Opinion letter Case from XXXX The failure to further and fully investigate the matter is absurd! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. 

A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations.

Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : * FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX : Fine of {$1000.00}. 


This is done good faith and without recourse.

Company response to consumer: Closed with explanation