vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XXXX XXXX, I sent XXXX XXXX XXXX a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, XXXX XXXX XXXX has failed to provide any of the requested validation, which includes : 1. Proof that I owe the debt and that the amount is accurate.

2. The name and contact information of the original creditor.

3. Documentation showing their legal authority to collect the debt. 

Additionally, despite failing to validate the debt, XXXX XXXX XXXX has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XXXX XXXX, I sent XXXX XXXX XXXX a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, XXXX XXXX XXXX has failed to provide any of the requested validation, w

hich includes : 1. Proof that I owe the debt and that the amount is accurate. 2. The name and contact information of the original creditor.

3. Documentation showing their legal authority to collect the debt. 

Additionally, despite failing to validate the debt, XXXX XXXX XXXX has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.

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 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
In XX/XX/year>, I made a hotel reservation that was later canceled by the hotel, not me. Despite this, I was charged {$390.00}. On XX/XX/year>, I filed a chargeback request with Citibank, citing that the cancellation was initiated by the hotel and not by me, making me eligible for a refund. The dispute reference for this case is XXXX. 

Citibank investigated the claim but denied the chargeback, stating that the merchant provided a cancellation policy. However, this policy is irrelevant since the cancellation was beyond my control. 

Furthermore, Citibank failed to notify me of the investigation 's status or provide an opportunity to submit supporting evidence. As a result, I was unable to present critical documents, including correspondence with the hotel confirming their responsibility for the cancellation. 

This unresolved chargeback has caused my account to become overdrafted, and now it has been reported to risk agencies. This has created unnecessary financial and reputational harm. I have contacted Citibank to request a reopening of the investigation and have offered additional evidence, but my concerns remain unresolved. 

I am seeking CFPB 's assistance to ensure this matter is fairly reviewed and resolved promptly. 

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 monetary relief
Consumer complaint received 2024-11-30 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: MS

Complaint narrative:
I am writing to formally lodge a complaint against Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX XXXX XXXX XXXX that I do not recognize.

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 2024-11-30 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: SC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 non-monetary relief
Consumer complaint received 2024-11-30 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: SC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear PayPal, I am writing to request the restoration of my PayPal account.

I understand that the account was suspended due to concerns about customer dissatisfaction. Even though, my client was satisfied with it. I would like to clarify that I have been committed to complying with PayPals policies and addressing any issues that arise. 

Please review my account and consider restoring it. If you need any additional information or documentation, please let me know. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I received a marketing email from American Express advising that I if I spent {$11000.00} more on my card, I would receive a free reward night. 

In early XXXX I requested a status of the amount I spent and the progress I made towards the free reward night. When I spoke with the customer service representative, I was advised that I had already received the maximum reward nights for the year and there was no record of the email being sent. I asked to go through the history of the free night rewards and it was confirmed the prior reward nights were awarded prior to XX/XX/year> and well ahead of the XXXX marketing email. I offered to forward the email so they could authenticate the email. A complaint was opened. 

On XX/XX/year>, I contacted American Express again and spoke with XXXX XXXX. He acknowledged by complaint and said that I had already received the maximum nights. He agreed the timeline of prior rewards were prior to the email. He instructed me to forward the email to him and acknowledged that it appeared to be an authentic email because my name and last five digits of my account number were included in the email. However, he couldn't award me the nights and suggested I wait a little longer for the complaint process. 

On XX/XX/year>, I escalated to a supervisor. He said there was no record of the email and that it wasn't possible for me to forward it to him. I expressed concern about a breach in data because the email had specifics about my account. He assured me my data was secure but gave me a spoof email to send it to. I sent the email, asked the email to be authenticated and got a standard response that if there is an issue, I would contacted. Otherwise, I may not get a response. I left the conversation with the supervisor that I would be seeking assistance from CFPB. I explained to him that I felt harmed because, could have spend that large sum of money on another credit card to get points or cash. However, American Express benefited from the fees my spending has generated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: LA

Complaint narrative:
I am writing to file a formal complaint against Capital One regarding their failure to provide IRS Form XXXX documentation for XXXX accounts they claim have been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

The details of the accounts in question are as follows : Account XXXX : XXXX with a reported balance of {$760.00}. 
Account XXXX : XXXX with a reported balance of {$520.00}. 
Account XXXX : XXXX ( duplicate or subsequent account ) with a reported balance of {$770.00}. 

I have previously contacted Capital One requesting a copy of the XXXX form for each of these accounts to verify their reporting of these debts as canceled or discharged. Despite my request, Capital One has failed to provide the requested documentation or any evidence supporting their continued reporting of these accounts. 

Without proper documentation, the reporting of these accounts may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Their failure to validate these accounts creates confusion and potentially damages my credit profile unfairly. Actions Requested : 1. Investigate Capital Ones failure to provide the requested 1099-C forms for the accounts listed above. 2. Verify whether Capital One properly discharged the debts and issued the required documentation to the IRS.

3. If Capital One can not provide the requested documentation, require them to remove any negative or inaccurate reporting related to these accounts from my credit report immediately. 

I respectfully request the CFPB to intervene to ensure that Capital One complies with federal laws and provides accurate reporting. Please let me know if further documentation or clarification is required. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Someone is applying for credit cards under my name and address. Could be using my social security number as well. Someone has applied for a XXXX and Lowes credit cards under my name and address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: TX

Complaint narrative:
The fico XXXX credit scores says that a 60 day missed payment affects my score negatively. But, The are no missed payments reported in the 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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX regarding their failure to provide IRS Form XXXX documentation for XXXX accounts they claim have been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

The details of the accounts in question are as follows : Account XXXX : XXXX with a reported balance of {$760.00}. 
Account XXXX : XXXX with a reported balance of {$520.00}. 
Account XXXX : XXXX ( duplicate or subsequent account ) with a reported balance of {$770.00}. 

I have previously contacted XXXX XXXX requesting a copy of the XXXX form for each of these accounts to verify their reporting of these debts as canceled or XXXX. Despite my request, XXXX XXXX has failed to provide the requested documentation or any evidence supporting their continued reporting of these accounts. 

Without proper documentation, the reporting of these accounts may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Their failure to validate these accounts creates confusion and potentially damages my credit profile unfairly. 

Actions Requested : XXXX. Investigate XXXX XXXX  failure to provide the requested XXXX forms for the accounts listed above. 
XXXX. Verify whether XXXX XXXX properly XXXX the debts and issued the required documentation to the IRS. 
XXXX. If XXXX XXXX can not provide the requested documentation, require them to remove any negative or inaccurate reporting related to these accounts from my credit report immediately. 

I respectfully request the CFPB to intervene to ensure that XXXX XXXX complies with federal laws and provides accurate reporting. Please let me know if further documentation or clarification is required. 

Thank you for your assistance.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX  XXXX regarding their failure to provide IRS Form XXXX documentation for XXXX accounts they claim have been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

The details of the accounts in question are as follows : Account Number : XXXX with a reported balance of {$760.00}. 
Account Number : XXXX with a reported balance of {$520.00}. 
Account Number : XXXX ( duplicate or subsequent account ) with a reported balance of {$770.00}. 

I have previously contacted XXXX XXXX requesting a copy of the XXXX form for each of these accounts to verify their reporting of these debts as canceled or discharged. Despite my request, XXXX XXXX has failed to provide the requested documentation or any evidence supporting their continued reporting of these accounts. 

Without proper documentation, the reporting of these accounts may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Their failure to validate these accounts creates confusion and potentially damages my credit profile unfairly. 

Actions Requested : XXXX. Investigate XXXXXXXX XXXX failure to provide the requested XXXX forms for the accounts listed above. 
XXXX. Verify whether XXXX XXXX properly discharged the debts and issued the required documentation to the IRS. 
XXXX. If XXXX XXXX can not provide the requested documentation, require them to remove any negative or inaccurate reporting related to these accounts from my credit report immediately. 

I respectfully request the CFPB to intervene to ensure that XXXX XXXX complies with federal laws and provides accurate reporting. Please let me know if further documentation or clarification is required. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXXXXXX regarding their failure to provide IRS Form XXXX documentation for XXXX accounts they claim have been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

The details of the accounts in question are as follows : Account Number : XXXX with a reported balance of {$760.00}. 
Account Number : XXXX with a reported balance of {$520.00}. 
Account Number : XXXX ( duplicate or subsequent account ) with a reported balance of {$770.00}. 

I have previously contacted XXXX XXXX requesting a copy of the XXXX form for each of these accounts to verify their reporting of these debts as canceled or discharged. Despite my request, XXXX XXXX has failed to provide the requested documentation or any evidence supporting their continued reporting of these accounts. 

Without proper documentation, the reporting of these accounts may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Their failure to validate these accounts creates confusion and potentially damages my credit profile unfairly. 

Actions Requested : XXXX. Investigate XXXX XXXX failure to provide the requested XXXX forms for the accounts listed above. 
XXXX. Verify whether XXXX XXXX properly discharged the debts and issued the required documentation to the IRS. 
XXXX. If XXXX XXXX can not provide the requested documentation, require them to remove any negative or inaccurate reporting related to these accounts from my credit report immediately. 

I respectfully request the CFPB to intervene to ensure that XXXX XXXX complies with federal laws and provides accurate reporting. Please let me know if further documentation or clarification is required. 

Thank you for your assistance.

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 2024-12-01 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: IL

Complaint narrative:
Transunion received a dispute regarding a XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX is being reported inaccurately in my name. According to 5 USC 1681 e ( b ) Use of notice without submitting negative information. Violation of this Code resulted in inaccurate reporting on my Transunion credit report.

USC 1681b 2a I did not give written instruction for the consumer reporting agency Transunion to report any transactions concerning my consumer report.

This complaint also serves as an official dispute against Transunion reporting inaccurately on 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 non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/year>, I had a balance of {$780.00} due by XX/XX/XXXX on XX/XX/XXXX I paid {$500.00}, and then remaining balance was only {$170.00}, however lowes charged an interest of {$240.00} in next statement reflecting that a promotion was not paid in full, there they have the right to charge the interest on full purchase price instead of remaining balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-30 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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief