vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a installment loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a revolving account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an installment loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a installment loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Hard inquiries consist of XXXX XXXX XXXX opened on XX/XX/XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: NC

Complaint narrative:
I have recently seen my credit reports and noticed that there's inaccurate information on my credit reports. It's hurting me to obtain credit. My understanding that you will investigate to assure accuracy. Please investigate the credit reporting agencies such as Transunion and 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 2024-10-07 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: TX

Complaint narrative:
I am filing a complaint regarding a paid medical collection that is still being reported on my credit report. Under current law, paid medical collections should not appear on consumer credit reports. Your continued reporting of this account is a violation of the law, and furthermore, you have failed to accurately update the account as paid. 

Both XXXX and XXXX have already removed this account from their reports, and I request that you do the same immediately. 

Please update my credit report accordingly, or I will consider legal action for non-compliance.

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 2024-10-07 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: CA

Complaint narrative:
I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$42000.00} XXXX XXXX XXXX Balance : {$0.00}-

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 2024-10-07 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: CA

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 XXXX 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance : {$0.00} CREDIT ACCEPTANCE XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} NCSTATEEMP XXXX Balance : {$8200.00} NCSTATEEMP XXXX Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$170.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX OF XXXX 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 2024-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
I applied for an apartment back on XX/XX/year> the company is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Paid {$100.00} ( credit card ) There was an offer that the application fee of {$100.00} was refundable, I applied they disqualified me because I didnt meet the income guidelines. 

I requested the {$100.00} refundable application fee. I was given a run around, since I was uncomfortable with their responses I called the credit card company and explained these people weren't trustworthy that I couldnt get an straight answer so I disputed the charges, then credit card did a charge back. After I had taken this action I tried to call again. 

On XX/XX/XXXX the credit card did a reversal of {$100.00}, I call the company again but no response. 

I received a paper check via 1st class mail, then when it cleared I contacted my credit card and asked them to return the {$100.00} to XXXX XXXX XXXX XXXX On XX/XX/XXXX the XXXX XXXX Dispute charge for {$100.00} was reversed and sent back to them. 

On XX/XX/XXXX the XXXX XXXX XXXX XXXX hired a collection company National Credit Systems , in XXXX that entered a judgement to collect the {$100.00} ( the money refunded to me ) plus {$30.00} for the collection agency fee. A derogatory report to damage me for something I am not responsible! 

This is mail fraud companies can't enter judgement against someone that doesnt owe them anything, this hurt / damage my credit which of course this is " FRAUD UNETHICAL Practices, I want this remove and the have to clean PERMANENTLY remove " CLEAN '' this up it false charges ( judgement against me it constitutes " Mail Fraud '' I sent complaints to XXXX XXXXXXXX XXXX Florida XXXX Attorney General the FBI file a fraud victim report. 
Now Im considering filing a small claims for Damages!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
in accordance with the Fair Credi Reporting act XXXX  AccounT # XXXX, has violates 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|

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 2024-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: KY

Complaint narrative:
Leaving over for one year it was flooded water in one room i call the office lots of times for them to coming fix theyre coming just look at it do little vacuum and left 2 days later the keep coming after end of my lease they said they not gon na renew the lease and they dont tell me why 2 months later they sent me letters saying that I owe them XXXX dollars for damages i dont do and i been sleeping in the with water snd mold everywhere i think thats wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-10-07 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: NC

Complaint narrative:
I have recently seen my credit reports and noticed that there's inaccurate information on my credit reports. It's hurting me to obtain credit. My understanding that you will investigate to assure accuracy. Please investigate the credit reporting agencies such as XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: LA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report even after your investigation I would like this item immediately reinvestigated the accuracies are highly injurious to my credit score ( XXXX XXXX XXXX ) ( XXXX # XXXX ) In accordance with The Fair credit reporting act public law 91-506, Title VI section 611, Subsection A-D please provide the names and business addresses of each individual with whom you verify the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Here is what happened. 

On XX/XX/year>, I sent a letters to Experian, XXXX and XXXX about mistakes to my credit report. 

Here are the issues : wrong names and wrong addresses that are not mine. I also sent a follow up letter with no responses on XX/XX/year> Wrong Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are not my addresses : XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX Inquiries, no signed paperwork and no idea where it came from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  That's all. 

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 2024-10-07 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: FL

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 2024-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom it may concern, I am writing to file a complaint against Capital One regarding their Best Price Guarantee policy and its implementation. I believe their practices are misleading and unfair to consumers. 
On XX/XX/XXXX, I booked a hotel room through Capital One XXXX for a stay at XXXX XXXX XXXX XXXX in XXXX, XXXX. The details of my booking are as follows : Confirmation Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Check-in : Sunday, XX/XX/XXXX Check-out : Tuesday, XX/XX/XXXX Total paid : USD {$1100.00} ( non-refundable ) After booking, I discovered that the same room with identical conditions ( non-refundable, same number of persons ) was available on the hotel 's official website ( XXXX XXXX XXXX  ) for {$730.00} for the two nights. This represents a significant price difference of {$450.00}. 

Capital One XXXX advertises a Best Price Guarantee ( XXXX XXXX XXXX ), which states they will match a lower price if certain conditions are met. However, when I attempted to claim this guarantee, I was denied based on a technicality that I believe is unfair and misleading to consumers.

The issue lies in the following qualification criteria for their price match guarantee : " Available at the time the customer contacts us. Our agent must be able to verify that the lower price exists. '' After I booked the room, it was no longer available to check on internet as it was the last room. As a result, they refused to honor the price match, claiming they couldn't verify the price. This creates a catch-22 situation : consumers can't know if they're booking the last available room, and once booked, the room disappears from the internet, making it impossible to claim the price match guarantee.

I had taken a screenshot of the lower price on the hotel 's website before booking, but Capital One refused to accept this as evidence. This practice seems designed to make it virtually impossible for consumers to successfully claim the price match guarantee, rendering the promise essentially meaningless.

I believe this practice is deceptive and unfair for the following reasons : It creates a situation where the consumer can not reasonably comply with the terms of the guarantee.

It incentivizes Capital One to offer higher prices, knowing that consumers will be unable to claim the guarantee after booking.

It misleads consumers into believing they have price protection when, in practice, it's nearly impossible to claim.

I appreciate your attention to this matter and look forward to a fair resolution. If you need any additional information, please don't hesitate to contact me. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Barclay is paid off and needs to be removed 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 2024-10-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In reference to Complaint # XXXX, I previously informed Equifax of unauthorized inquiries on my credit report and provided an FTC Identity Theft Report. Equifax responded stating the inquiries were verified but failed to explain how this was done. Under the FCRA, inquiries must be for permissible purposes ( employment, insurance, court order, or firm offer of credit ), none of which apply here. I refer to XXXX XXXX XXXXXXXX, which requires proper verification of disputes. I request the removal of the following inquiries within 7 days : 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: GA

Complaint narrative:
I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my XXXX XXXX  XXXX, posing a significant risk to my financial security and identity integrity. You have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I XXXX presume that no proof of the alleged debt nor therefore any such debt in fact exists.

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 2024-10-07 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:
I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my XXXX XXXX XXXX, posing a significant risk to my financial security and identity integrity. You have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: NC

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 XXXX XXXX XXXX

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