vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello ..in accordance with the Fair Credit Repoting Act.This creditor has violated my rights.Under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose..so I'd like to delete any off my credit report. Thank you so kindly..XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Panorama Mortgage Group, LLC
State: CA

Complaint narrative:
I applied to the CalFHA program on XX/XX/XXXX. 
And, on XX/XX/XXXX, I received loan numbers XXXX and XXXX from Alterra Home loans by application from ( Alterra Home Loans XXXX # XXXX | XXXX XXXX XXXX # XXXX ) It was informed that all the documents related to the loan had been completed and that the application would check if there were any documents required by the loan company. However, after 2 months, there was no contact, so I contacted the person in charge. However, he could not be contacted. 
The person in charge was contacted through numerous phone calls, voice messages, and emails. But he has no answer. I feel really bad. 
Below is the text of the last e-mail I sent to him. 


XXXX XXXX, XXXX XXXX XXXX. I'm in a pretty bad mood right now. I don't know how busy you are, However, this is not the right way to treat customers.. 

I duly applied for the program. 

Since the loan number was generated last month, if you need anything, you will let me know and it will appear in the application. 

So, after waiting for over a month, I contacted you because I was curious about what was going on. However, contacting you is as difficult as contacting XXXX or the President. I want to ask why I decided to talk with my son because I am not good at XXXX, but You did not answer the phone even when I called. In the meantime, I left numerous text messages, e-mails, and phone messages. however. you didn't contact me Why? Are you ignoring me because I can't speak XXXX? is it XXXX? Please clearly state your intentions. 

And, I need to explain why I have to make phone calls and why they don't call me. 

Please let me know by email how things are going.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I hate to submit another complaint but Calvary Portfolio is not fixing errors on my report. I've sent 4 disputes already and they keep saying they fixed errors and verified account with the 3 credit bureaus. I attached a copy of what they are reporting. As you can see Date last active is different across all 3 reports. I was never active on this account. If I was why would Date of last payment be left blank? They are violating my consumer rights, I do not owe Calvary Portfolio a cent. If you read the comments it says account information was disputed by me already and look at all the inaccuracies and incomplete information on my report. I went over all disputes and credit report with my attorney and he confirmed they are in violation of the FCRA. They are also harassing me for an alleged debt I do not owe them. Also my attorney said collections are supposed to be reporting as closed. Not sure why this is reporting as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 suppose to modify accounts that isn't reporting correctly.

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 inaccurateXXXX Also they aren't even in compliance with metro 2 credit reporting. I h ave evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern over an error involving XXXX XXXX 's reporting of my account status to one of the credit bureaus, specifically Equifax. I recently settled a collection account with XXXX XXXX, which has been correctly reported as " paid '' to XXXX and XXXX. However, it has come to my attention that Equifax 's records still show my account as having a " derogatory '' status and marked as " unpaid. '' This misrepresentation is negatively affecting my credit score with Equifax and could potentially lead to unwarranted financial complications. 

I want to underscore that I have adequately satisfied my financial obligations towards this debt, and the incorrect reporting to Equifax is both misleading and inaccurate. This failure to provide accurate status for my account contravenes the Fair Credit Reporting Act ( FCRA ), which emphasizes the need for precision in the reporting of information by financial institutions. 

I respectfully request that XXXX XXXX immediately rectify this discrepancy. Please ensure that my account status with Equifax is updated to reflect that the debt has been paid, thereby maintaining consistency and accuracy across all three credit bureaus. 

In addition, I kindly ask XXXX XXXX to provide me with written confirmation once these corrections have been made and that my paid account status has been reported accurately to all three credit bureaus. I believe that this step is crucial in safeguarding my rights as a consumer and in preventing any future discrepancies in my credit reports. 

Given the above circumstances, I seek the intervention of the Consumer Financial Protection Bureau ( CFPB ) in this matter. I trust that the CFPB will assist me in ensuring XXXX XXXX meets their obligation to accurately report information to all credit reporting agencies. I am confident in the CFPB 's capacity to investigate such concerns and trust you will aid me in ensuring my credit report is accurate and fair. 

Thank you for your prompt attention to this pressing matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
my account was used/stolen it was a capital one account I was in the hospital I could never see my credit report I want this fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/23, a {$220.00} purchase was made online from XXXX through my PayPal account using my XXXX credit card. I returned this purchase within the refund terms and conditions of XXXX and was provided a refund on XXXX Credit Card for {$220.00} ( the full amount ) in two separate refund transactions : {$25.00} and {$190.00}. 

On XX/XX/23, I received an email from PayPal indicating that {$220.00} was being debited from my PayPal account " Because you received duplicate refunds for the same transaction, we have debited {$220.00} USD from your PayPal account. '' As noted above, I only received one refund for {$220.00}. On a side note, I wasn't even aware a Dispute was logged with PayPal, let alone that anything was being investigated. 

PayPal 's Dispute ID : XXXX XXXX XXXX contacting/calling PayPal on XX/XX/23 at XXXX, was left on hold for almost an hour, and was ultimately unable to resolve the issue.

Essentially what PayPal is arguing is 1 ) I bought the item, 2 ) I returned the item, 3 ) I received one refund, 4 ) now I'm being charged for the item that was returned and I received one refund for. Make sense? This issue reeks of fraudulent business practices on the part of PayPal. I will say this, I see no reason to use PayPal in the future for any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My complaint is against Comenity Bank XXXX XXXX XXXX XXXX account and Comenity Bank XXXX account. 
I have an open account for each of the above-mentioned accounts, with an 18 months ' pay period with no interest. 
I have been making payments on time from the beginning, payments I make are more than the minimum required monthly amount due. 
I received a statement indicating a late fee of {$41.00} assessed against my account from the Comenity-XXXX account ending in # XXXX this past week. I called them and during my call, realized that they had previously charged me a late fee on a couple of more occasions. I reviewed the payment history on my bank account and my bank bill pay service sent payments to them on time every month, and this I can prove. 
This morning I had the same issue with my Comenity XXXX and XXXX account ending # XXXX. I logged in to review my final payment due and discovered that they have charged me late fees and interest on at least 4 occasions recently that they would acknowledge with me on the phone. I asked to have all fees reversed and they advised me that they can only reverse two of the multiple late fees that they had assessed on my account. This is not acceptable. 
I believe that this company is doing this unfairly and on purpose in order to make extra money on accounts that are making payments ahead of the no interest expiration date. I know that they are receiving my payments from my bank on time and sitting on them until past the due date and not posting the payments to the account on time in order to be able to access a late fee and interest, I use the same bill pay service from my bank for multiple payees and have never had an issue with any other payee not receiving the payments on time.

I feel that this is a very deceiving and unfair practice that Comenity is engaging in and they need to stopped from continuing this practice. They could potentially be raking in millions of dollars in late fees from consumers unjustly. 
Please let me know if you need more details on this subject.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a complaint through the CFPB complaint # XXXX stating that XXXX XXXX XXXXXXXX was using Color of Law to not only publicize and furnish inaccurate and private information but also that the information is FRAUDULENT and that has resulted from its own acts of FRAUD and IDENTITY THEFT as defined by 15 USC 1681 a ( q ) using extortionate means to collect on debts not owed which is a crime. I have made XXXX XXXX aware numerous of times that the transactions were unauthorized which the CFPB has sued XXXX XXXX for in XXXX File No : XXXX. In the attachment provided I asked that the company provide proof it acted with lawful authority when it obtained and shared my information to consumer reporting agencies, and they failed to do so. Instead, they responded to the CFPB on XX/XX/XXXX stating that the complaint is in progress, and on XX/XX/XXXX mailed a attached letter to my home stating the same thing in addition to numerous phone calls asking about the detains of FRAUDULENT XXXX. I have put this company on notice and have filed a valid FTC complaint which is also attached, however they have failed to remove this tradeline from all three of my consumer reports which is another federal violation 15 USC 1681 s-1 ( a ) ( B ) which clearly states : If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency unless the person subsequently knows or is informed by the consumer that the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, 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:
Wallet Stolen XX/XX/2019 resulting in fraudulent lines of credit being opened using my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion and XXXX dropped my score by XXXX points. I put a complaint in, but to see their specific reason I would have to pay them. I believe this is unfair. They should provide a detailed response for free. My utilization is less than 24 %, all my payments are on time, I have owned my home for 33 years. My mortgage is less than 30 % of its value. All my payments are on time. I am paying off my credit cards, with a new equity loan, using less than XXXX dollars of it. I would like an realistic response and one that is free, telling me why the drop in plain and detailed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, 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:
Wallet Stolen XX/XX/2019 resulting in fraudulent inquiries for lines of credit using my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SinglePoint GI
State: FL

Complaint narrative:
This collection is not accurate and can not be validated AND Im seeking litgation! Since I studied my rights and found out that under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DigniFi
State: NY

Complaint narrative:
My personal information account was used to finance the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
I have attempted to contact the company to receive a current statement of my account. I get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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