vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 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:
I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXXXXXX ] are not complete and accurate. 

[ XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.

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 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was traveling to XXXX in XXXX and needed a credit card with no fees, my branch provided XXXX, So With my banker I applied And was approved with a low interest rate of XXXX % credit of XXXX XXXX XXXX. I've only had the car XXXX  months and was going to make a credit card transfer where the interest rate was at XXXX XXXX percent and I knew my BMO account was very low and would pay my balance very quickly. I then reached. 
Out via XXXX phone number and reach.The gentleman who said that my payment was XXXX and something XXXX.I said what is my minimum payment? He restated it was XXXX XXXX and something that was the balance I owed and he did not have his story right. I then went into the branch because I was very upset about everything going on and wanted to make a hay credit card transfer on to my card with my branch. We reached out and spoke to a gentleman who was in XXXX America.And said that my interest rate was XXXX XXXX plus percent. My bank and I were so confused.We were on the phone for over an hour.He said that my interest rate was based on my credit rate. He continued to say my interest was based on my credit score.My credit score is amazing, Even my banker was confused and we were going to wait for her branch manager to come in.They also put a block on my card and did not contact me.They say they contacted me via phone.But I received so many scam calls. Most of my banks or credit cards will also send me a text asking me if I have charged something, yes or no.This was not done no email no text. So today I received a call from the office of a young lady and she said that I'll have a XXXX percent interest rate. But then the government adds on another XXXX point XXXX percent. How is that even valid. So my interest rate went from XXXX to XXXX XXXX and XXXX months. I have had many credit cards throughout my life.I 'm XXXX XXXX XXXX and never have I heard that.I was approved at XXXX point but the government adds on another. I used to be with XXXX XXXX XXXX XXXXut now they are BMO. So the branch manager will be on XXXX and we are still confused.The bank card company is trying to overcharge me my interest rate. I was approved XXXX interest rate and now given another by the credit card company.

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 2024-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: PA

Complaint narrative:
True Accord, part of XXXX XXXX XXXX XXXX XXXX is attempting to collect on a debt that falls outside of the legal time line to collect. I do not acknowledge this debt and have no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There is not a more clear and obvious case of a company violating the FCRA than this. 

This relates to my disputes of inaccurate late payments on the following accounts : XXXX XXXX XXXX XXXX XXXX I am attaching a letter from XXXX XXXX to me. The letter clearly advises that XXXX XXXX submitted my Dispute to Experian on XX/XX/24. 

The letter goes on to advise me that Experian never replied. XXXX XXXX clearly waited for the required 30 days before sending me the letter. 

The failure by Experian to investigate within 30 days and timely update my credit report is a clear violation of 611 - 15 U.S.C. 1681i. They have a clear legal obligation to reply to XXXX XXXX ( reseller ) and convey the results as required by law. They filed to do so. 

( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Because the company failed to verify the accuracy of the items in question, the agency must IMMEDIATELY and PERMANENTLY delete them. This is a requirement of law, and not subject to excuses. There is indisputable proof the credit bureau failed to investigate or response within the time frame required. The proof comes in the form of a formal writing from another XXXX XXXX XXXX that is attempting to comply with the law, but has been prevented from doing so by the credit bureau.

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 2024-04-01 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:
XXXX XXXX XXXX  and XXXX XXXX XXXX are reporting fraudulent accounts on my credit reports

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 2024-04-01 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: FL

Complaint narrative:
XXXX XXXX XXXX  and XXXX XXXX XXXX are reporting fraudulent accounts on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened XXXX accounts, checking and savings, with Capital One on XX/XX/2024 and funded the accounts while opening them. Both accounts were restricted on XX/XX/2024. 

Capital One requested further verification by asking for copies of my government ID, which I provided. Capital One did not remove the restriction. 

After a second phone call and roughly XXXX hours of total phone time, Capital One has been unable to remove the restrictions or close my account. Their only suggestions have been to go to a nearby cafe, which is XXXX miles away. 

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The representative told me that my account could not be verified because he " was not talking to a real person. '' Further, he told me that Capital One would indefinitely retain my funds until I can properly verify -- which I have. He kept emphasizing that they did not believe they were speaking with a true customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I didnt pull this loan. I have filed a police report with XXXX Police Department in regards to this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Dispute Regarding Collection Account Under Consumer Protection Laws Dear Sir/Madam, I am writing to formally dispute the collection account listed on my consumer report by your agency. Upon reviewing the pertinent consumer protection laws, I have identified multiple violations of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. 



Firstly, under 12 CFR 1006.34 ( b ) ( 5 ), your agency is obligated to provide validation information regarding the debt in question. However, despite my requests, no such information has been provided, yet you have proceeded to report the collection on my consumer report. This is a clear violation of my rights as outlined in the aforementioned regulation. 



Secondly, I have not been afforded the opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is imperative that consumers are given the chance to challenge the validity of a debt before it is reported to consumer reporting agencies, yet this fundamental right has been denied to me. 



Furthermore, it has come to my attention that your agency has engaged in deceptive practices, including false, misleading, and misrepresented information. Such actions are in direct violation of consumer protection laws and undermine the integrity of the debt collection process. 



Lastly, your agency has furnished this account to consumer reporting agencies without providing the necessary disclosures required by law. This egregious disregard for legal obligations is unacceptable and further demonstrates your agency 's disregard for consumer rights. 



In light of these violations, I demand that you cease all collection activities related to this account and immediately remove it from my consumer report. Failure to comply will result in further action being taken, including but not limited to filing complaints with the appropriate regulatory authorities and pursuing legal recourse. 



I expect a prompt response to this dispute and a resolution to this matter within [ insert timeframe, e.g., 30 days ] days of receipt of this letter. Please provide confirmation of the actions taken to address these concerns. 



Sincerely, 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 2024-04-01 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: 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 XXXX  XXXX Account NumberXXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: 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 XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: LA

Complaint narrative:
I have tried over the pass XXXX years to get this company to report my credit limit correct on my credit report, but they have not over time I've sent many copies of my credit report show what needed to be corrected but Have Not, so i, m turning to CFPB for assitance before I Have get an Attorney, I use my Credit to purchase Properties at this time i'm about to lose a property and a XXXX deposit because of this issue on my Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/2023 and XX/XX/2023, I mailed a letter to Bridgecrest requesting a copy of the bill of sale, loan agreement, right to redeem notice and the notice of deficiency. Each time, Bridgecrest response was they was not able to locate or validate the account and that I would have to call in and request the information. I contacted bridgecrest prior to XX/XX/2023 where I spoke to a representative who not only confirmed the account with me, but also provided me with the VIN # to the vehicle. When I disputed the account through the credit bureaus, Bridgecrest validated the account as accurate. I don't understand how they can validate the account as being accurate with the credit bureaus even though when I requested documentation regarding the accuracy, I was told the account could not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: NC

Complaint narrative:
XXXX months ago, Equifax signed me up with XXXX XXXX as a result of the Equifax data breach. Initially, everything was at my disposable that included my full credit report, credit score, and alerts. 

However, now XXXX months later, I am unable to secure my credit report, my credit score, and I do not get any alerts such as new accounts opened, etc. 

Lastly, the XXXX never returns my calls but documents that she does ; even after sending emails to XXXX I do not get a response. 

When I last called, the staff person simply did not make sense. I also requested that the XXXX return my call but no call. 

Equifax has hired XXXX XXXX who is doing absolutely nothing to protect my credit file. 

Several weeks ago, I opened a new account but there was no alert from XXXX XXXX. 

Now as I am typing this, I have been on the line for XXXX minutes and no one picks up. 
This appears to be a horrible company. The person finally picked up but dropped the call. She gave her name as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone has pretended to be me since XX/XX/year>. They are requesting cards under my name to be sent at a vacant address to receive mail. So far they have received more than {$5000.00} from my credit card advance from an ATM at XXXX XXXX. They have tried purchasing something from XXXX and also was connecting my credit card with an account with chime debt that they have. This is happened to me XXXX different times now and my credit card was never closed after I informed them several times to close the cards. I contacted the XXXX credit bureaus also and it doesnt seem like theyre doing their job either. every time I receive my card in my mailbox they are also receiving other cards in their mailbox under my name so therefore then all the credit cards need to be shut down if they are shut down after calling them several several times to do it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 15 USC 1666b 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. 

I NEVER gave You, CREDIT ACCEPTANCE CORPORATION any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. The CREDIT ACCEPTANCE CORPORATION has caused severe stress and anxiety due to the abusive and unfair practices. 

You, CREDIT ACCEPTANCE CORPORATION, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

CREDIT ACCEPTANCE CORPORATION, Account XXXX XXXXXXXX I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on this account please update the account as Paid/Current. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that! am or have been late. 

It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 

Best RegardsXXXX XXXX XXXX XXXX XXXX [ XXXX ] Without Prejudice, All Natural Inalienable Rights- Reserved

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