vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 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: PA

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Well, I have called Capital One on SEVERAL OCCAISIONS to dispute these UNAUTHORIZED transactions. I have myself ATTEMPTED to contact those companies and THEY DO NOT EXIST. I started my life working for XXXX XXXX managing his finances and spent 25 years in the FINANCIAL INDUSTRY. I keep METICULOUS NOTES on EVERY TRANSACTION in 4 FOUR different devices via screen shots, & typed notes on my XXXX XXXX. For example, there are SEVERAL coming from a fitness center and they told me they would issue a credit to my account. I had to call AGAIN A FEW MONTHS LATER as I looked and found that my balance was excessively low and I would not be able to pay my monthly rent. So AGAIN I noticed SEVERAL OTHER CHARGES MADE TO MY CHECKING ACCOUNT and this account is NOT SUPPOSED TO HAVE ANY WITHDRAWLS ON IT AS IT IS for me to get a PLACE TO LIVE!!! The balance is never high enough for me to take advantage of the opportunity to PAY THE DEPOSIT BECAUSE AGAIN Capital One is STILL GIVING MY MONEY AWAY WITH OUT MY PERMISSION! I am so tired of them giving all my money away to strangers and I never get the chance to even talk to them about the XXXX dollar charge to my account for a persons cable bill. I obviously DO NOT HAVE A CABLE BOX NOR A TELEVISION TO HAVE A CABLE BILL NOR HAVE I EVER HAD A CABLE BILL NOR EVER WATCHED A TV SHOW IN MY LIFE!!! Every time I call them NOTHING EVER GETS RESOLVED AND AGAIN I WILL NOT HAVE A XXXX AND BE ABLE TO EVEN PURCHASE A CELL PHONE AS THE XXXX XXXX XXXX XXXX I still have does not fully function. I did purchase a {$900.00}. XXXX XXXX from XXXX and is NOT A TOUCH SCREEN and it literally took me XXXX hours to ATTEMPT to create an account with this establishment since the touch screen does not work AT ALL and IT IS NOT EQUIPPED WITH A MICROPHONE SO IT IS COMPLETELY USELESS. Yes I AM using a computer to type this. Okay, Capital one has withdrawn about {$990.00} dollars from my checking account and ACCORDING TO THE LAW THEY MUST NOTIFY ME IF THEY ARE INTENDING TO DO THIS. I have read about the laws and they are in VIOLATION of too many to list here. I have told them that all my PURCHASES are made to my CREDIT CARD AND MY ONE BANK ( NOT CAPITAL ONE ) ACCOUNT IS USED TO PAY THOSE XXXX CARDS ON A MONTHLY BASIS. THEY THINK THAT I WONT LEAVE THEM BUT I AM GOING TO CLOSE ALL MY CREDIT CARDS AND BANK ACCOUNTS WITH THEM on XXXX XXXX. I am tired of them STEALING MY MONEY BEHIND MY BACK AND GETTING AWAY WITH IT!!! Yes I am reporting them to the XXXX XXXX XXXX, the Federal Trade Commission and the Rip Off Reports when I am done with this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: NJ

Complaint narrative:
After reviewing my credit report I found hard inquiries that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: PA

Complaint narrative:
Dear Experian Dispute Team, I am writing in response to your recent communication regarding my dispute concerning the address XXXX XXXX XXXX XXXX, XXXX, PA. In your response, you mentioned that the address could not be removed as it was linked to a credit collection account. I would like to bring to your attention additional information that supports the assertion that this address is associated with fraudulent activity. 

As previously stated in my initial dispute letter, I have provided evidence and legal documentation proving that the collection account linked to the address XXXX XXXX XXXX XXXX was the result of fraudulent activity. I have appeared in court to dispute the validity of the collection account, and the case with XXXX was resolved in my favor, confirming the fraudulent nature of the account. 

Enclosed with this letter, please find the relevant documentation, including court records and any other supporting evidence that further substantiates the fraudulent nature of the collection account linked to the aforementioned address. 

I kindly request that you conduct a thorough re-evaluation of this matter, taking into consideration the legal resolution of the fraudulent collection account. Given the resolved nature of the case with XXXX, I believe it is appropriate and necessary to remove the associated address from my credit report. 

Given that the other credit bureaus have already corrected this information based on the evidence provided, I kindly request that you conduct a comprehensive review of the new information and reconsider the accuracy of the reported address. 

Information in question is inaccurate, and I trust that you will conduct a thorough examination of the new evidence presented. If needed, I am available for further clarification or to provide any additional information that may aid in the resolution of this matter. 

Given that the other credit bureaus have already corrected this information based on the evidence provided, I kindly request that you conduct a comprehensive review of the new information and reconsider the accuracy of the reported address. ( I provided documentation that all other departments already removed the address ) Information in question is inaccurate, and I trust that you will conduct a thorough examination of the new evidence presented. If needed, I am available for further clarification or to provide any additional information that may aid in the resolution of this matter. 

Thank you for your attention to this dispute, and I look forward to a swift and fair resolution.

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 2023-12-14 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: GA

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using XXXX a my primary bank account for about 3 years. and they have failed to create a credit score for me. 

Applied for the XXXX Credit Card on XX/XX/2021 ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with chime on this and they have replied with " everything is correct '' - which it is not. 

Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with XXXX, XXXX and TransUnion. I also want XXXX to cover the {$350.00} I had to spend to open this new account. 

Please find all the attached Credit Card statements that XXXX has not reported to the credit bureaus

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using XXXX a my primary bank account for about 3 years. and they have failed to create a credit score for me. 

Applied for the XXXX Credit Card on XX/XX/2021 ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with XXXX on this and they have replied with " everything is correct '' - which it is not. 

Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with XXXX, Equifax and XXXX. I also want XXXX to cover the {$350.00} I had to spend to open this new account. 

Please find all the attached Credit Card statements that XXXX has not reported to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using XXXX a my primary bank account for about 3 years. and they have failed to create a credit score for me. 

Applied for the XXXX Credit Card on XX/XX/2021 ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with XXXX on this and they have replied with " everything is correct '' - which it is not. 

Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with Experian, XXXX and XXXX. I also want XXXX to cover the {$350.00} I had to spend to open this new account. 

Please find all the attached Credit Card statements that XXXX has not reported to the credit bureaus

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 2023-12-14 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX, Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute inaccurate information contained in my credit report. As per the Fair Credit Reporting Act ( FCRA ) under Section 611, I am requesting an investigation into the following erroneous items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX I believe these entries are incorrect because these accounts were, paid-off debt not reflected, account not mine, incorrect balance reported, etc. ]. 

Per FCRA guidelines, I respectfully request that you investigate these discrepancies and remove the inaccurate information from my credit report. Please provide me with a written explanation of the results of your investigation. 

Thank you for your prompt attention to this matter. Please inform me of the actions taken within the 30-day investigation period, as stipulated by FCRA. 

Sincerely, 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 2023-12-14 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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 non-monetary relief
Consumer complaint received 2023-12-14 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: FL

Complaint narrative:
PLEASE REMOVE ALL THE FOLLWING UNAUTHORIZED FRADULENT INQUIRIES FROM MY ACCOUNT - 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 IAM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL OF THE UNAUTHORIZED FRADULENT. I have filed a police 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 2023-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the conduct of XXXX XXXX XXXX XXXX, a financial services company. It has come to my attention that XXXX XXXX XXXX XXXX has violated my rights under the Privacy Act of 1974, specifically in contravention of 5 USC 552a and 5 USC 552b, as well as related Code of Federal Regulations ( CFR ) sections.

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe XXXX XXXX XXXX XXXX has violated, in conjunction with related CFR sections, are as follows : 5 USC 552a- The Privacy Act of 1974 : XXXX XXXX XXXX XXXX, in its handling of my personal information, has failed to adhere to the provisions outlined in XXXX XXXX XXXX, which outlines the conditions under which personal information XXXX be disclosed and the rights of individuals to access and amend their records. 

5 USC 552b- The Government in the XXXX XXXX : XXXX XXXX XXXX XXXX actions appear to contravene the provisions of XXXX XXXX XXXX, which governs the openness of agency meetings and the disclosure of information. I assert that XXXX XXXX XXXX XXXX lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

XXXX XXXX - Safeguarding Customer Information : XXXX XXXX XXXX XXXX XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding XXXX XXXX XXXX XXXX data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by XXXX XXXX XXXX XXXX and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the conduct of XXXX XXXX XXXX XXXX, a financial services company. It has come to my attention that XXXX XXXX XXXX XXXX has violated my rights under the Privacy Act of 1974, specifically in contravention of 5 USC 552a and 5 USC 552b, as well as related Code of Federal Regulations ( CFR ) sections.

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe XXXX XXXX XXXX XXXX has violated, in conjunction with related CFR sections, are as follows : XXXX XXXX XXXX- The Privacy Act of 1974 : XXXX XXXX XXXX XXXX, in its handling of my personal information, has failed to adhere to the provisions outlined in XXXX XXXX XXXX, which outlines the conditions under which personal information XXXX be disclosed and the rights of individuals to access and amend their records. 

XXXX XXXX XXXX- The Government in the XXXX XXXX : XXXX XXXX XXXX XXXX actions appear to contravene the provisions of XXXX XXXX XXXX, which governs the openness of agency meetings and the disclosure of information. I assert that XXXX XXXX XXXX XXXX lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

XXXX XXXX - Safeguarding Customer Information : XXXX XXXX XXXX XXXX XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding XXXX XXXX XXXX XXXX data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by XXXX XXXX XXXX XXXX and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.

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 2023-12-14 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: NJ

Complaint narrative:
After reviewing my credit report I found hard inquiries that are not mine

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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This credit card institution, Capital One, closed my credit card account due to inactivity without first notifying me and giving me a chance to make a reasonable effort to keep the card active and in good standing. There is no record in my email warning me of an impending closure and no contacts in my paper mail or by phone were made. I called their customer service department the same day that I was notified of the closure, and they refused to offer any information pertaining to the reinstatement of the card. It is my understanding that a credit card company will reasonably reinstate a card as long as they are contacted in a timely manner soon after the closure. This is my oldest credit card and impacts my credit age and credit score, and I was not given a reasonable means of keeping my credit in good standing.

Company response to consumer: Closed with explanation