vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute inaccurate information on my credit report. Upon reviewing my credit report, I have identified several items that are erroneous and require your immediate attention. The discrepancies are detailed below : CAPITAL ONEXXXX XXXX XXXXXXXX XXXX I request that XXXX investigate these discrepancies and correct any inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). 

[ Item 1 ] : [ Description of the inaccuracy, such as incorrect account balance, wrong account status, dates, etc. ] I request that XXXX investigate these discrepancies and correct any inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this letter are copies of relevant documents supporting my claim, including [ list any documents you are enclosing, such as receipts, statements, or correspondence with creditors ]. 

Please conduct a thorough investigation into these matters and provide me with a written explanation of the results. Additionally, I request that you notify me of any changes made to my credit report as a result of your investigation. 

I understand that you have 30 days from the date of receipt of this letter to complete your investigation, as mandated by the FCRA. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation in resolving this dispute. Should you require any further information, please do not hesitate to contact me at the above-listed contact information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I signed up for a XXXX XXXX credit card under the pretenses, which were abundantly advertised to me, that I could use the card/account to pay my rent without incurring additional credit card fees and that I would be compensated " XXXX points '' on such rental payments. After signing up for the card, the company 's software refused to allow me to pay my rent via the online platform. I was instructed to contact support. I did so and was informed that because the building 's unit information did not match mine, I could not pay my rent via XXXX. The only options they then provided were to pay the rent by credit card and incur credit card processing fees or to pay by ACH but receive a limit of XXXX points per rental payment, significantly below the offered XXXX points on rental payments. Unfortunately, signing up for a credit card does impact your credit score negatively, and the idea of promotions is to offset that negative financial impact. 

Unfortunately, XXXX engaged in misleading and possibly false advertising concerning this promotion.

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 2024-03-26 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: IL

Complaint narrative:
I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind verifying the documents? Several of the mentioned accounts exhibit inaccuracies in their reporting.

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 2024-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
Ive watched the videos for the one main financial pay out for extra add ons they added to loans I was made to believe they were complimentary services for having the loan not add ons you paid extra for I took out another loan with them to pay off the first loan which cancelled the services. The first loan was taken out around XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: DE

Complaint narrative:
XXXX XXXX is reporting a late payment on my credit report a late payment on my credit report. Please update this late payment to paid on time and or Ok in the payment status on XX/XX/year>.

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 2024-03-27 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: TN

Complaint narrative:
Would you kindly review the information on file for me to ensure that it is accurate and in line with the Fair Credit Reporting Act and Metro 2 compliance standards? I'd like to dispute any errors in the credit report, and respectfully request that they be remedied as soon as possible. I'd like to thank you for your attention to this matter. It is surprising that the credit report I have received does not conform to FCRA and applicable Metro 2 data field formatting standards. In order to avoid further financial consequences, it is important that false accounts be deleted as soon as possible. It is important for me to have a credit report, and I expect only accurate, verified, and compliant data to be documented. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$0.00} XXXX XXXX - XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX  XXXX - XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX - XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX XXXX XXXX - XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX - XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX - XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX OF XXXX - XXXX {$4000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 2024-03-27 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:
Please be advised that as of XXXX as listed on I, XXXX XXXX most recently reviewed Experian, XXXX and XXXX consumer credit report, there is an unauthorized / fraudulent account listed which should be Excluded from my credit profile : XXXX XXXXXXXX XXXX ( CLOSED ) XXXX XXXX. Having understood that this is a violation of 15 U.S.C.1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. Both together and separately, my consumer and privacy rights are being violated. The information should be confidential between myself and XXXX  XXXX XXXX. If you can not provide my written authorization, the aforementioned fraudulent / unauthorized account is to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently made sure payments on this account are on time, preventing any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've consistently made sure payments on this account are on time, preventing any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-26 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:
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 XXXX USC 1681.

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 2024-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

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 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
several letters sent to debt collector ( Spring Oaks Capital ) from XXXX of XXXX present asking for proof of debt. attempting to collect from me. I understand that this debt was originally with XXXX XXXX not first bank, and I had an agreement with them. However, I have not entered into any contractual agreement with spring oaks and that I require validation of the debts legitimacy. They could not provide " proof '' of such account stated all they provided was a " bill of sale '' with the number accounts they bought from another debt collector. They are in violation of reporting false information to XXXX credit bureau and should be deleted immediately from my credit report. However, after review of the documentations, I have become aware that there is no account stated **** in Spring Oaks Capital LLC portfolio/Bill of Sale to the alleged debt in question, therefore I have concerns regarding the accuracy and legitimacy of the debt as there is no mention of this XXXX stated. I asked for evidence of such debt and could not be validated on several attempts of sending letters to this debt collector. This does not comply with ( FDCPA ) the Fair Debt Collection Practices Act ( FDCPA ) Since XXXX oXXXX XXXX they have continued to report false information. That's immediate volitation FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NV

Complaint narrative:
Company asked me to complete the steps Ive already completed. Additionally, companies trying to make it difficult to get these fraudulent hard inquiries removed by requesting information that is irrelevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX  XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
XXXX XXXX opened a credit account when purchasing an item in store. The credit account was charged. The item was subsequently returned to the store within 24 hours of purchase and to our knowledge the account was credited and never used again. 

Over 6 months later, we received our first notification that there is a debt on the account. Apparently there was a purchase charged to our account made online from a state and city we have never been to. Barclays bank racked up hundreds of dollars in interest and late fees without ever notifying us of the issue. Once we were finally notified, they denied any attempt to correct the mistake blaming us for taking too long to address the issue. I have spent several hours on the phone trying to fix the issue and they have done nothing but gaslight us, lie to us, and threaten to further harm our credit if we don't agree to make payments on debt we were completely unaware of. They initially admitted that they failed to communicate the debt with us. They later tried to blame us for not knowing about the debt and lied to us about sending us statements. They refuse to acknowledge their failures and continue to harass us. It is blatant extortion. They could have easily helped us resolve this issue by giving us proper and timely notice of the debt. Now they are just continuing to damage our credit report and harassing us constantly with mail and phone calls.

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 2024-03-27 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:
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.

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 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I requested for account to be closed on XX/XX/2024 through customer service. The agent confirmed the account had a XXXX balance and would be closed. On XX/XX/2024 I was charged a monthly fee and the account was not closed. I requested through customer service on XX/XX/XXXX that the fee be refunded and account closed and agent lied and said they show no request of it even though I called their customer service number.

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