vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I hereby dispute the non-reporting of my Capital One individual credit card account on my XXXX credit report. It has come to my attention that my individual Capital One XXXX account ending in XXXX is not being reported to XXXX, which is having a significant negative impact on my credit score and financial profile. I kindly request that the matter be thoroughly investigated, and the necessary actions be taken to rectify this discrepancy in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As per the FCRA, creditors are obligated to report accurate and complete credit information to credit reporting agencies such as XXXX. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) specifically states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. It is evident that Capital One has not complied with its duty to provide accurate information to XXXX concerning my credit card account. This has resulted in the omission of crucial credit history data from my XXXX credit report, leading to an unfair and unjust assessment of my creditworthiness. I have verified with Capital One that my individual credit card account is active and in good standing. All payments have been made on time, and the account reflects a positive payment history. Therefore, the non-reporting of this account is a clear violation of the FCRA and has unnecessarily affected my credit standing. I urge XXXX to conduct a thorough investigation into the non-reporting of my Capital One credit card account and promptly take corrective measures to update my credit report with accurate and complete information. It is essential that you comply with the FCRA guidelines and ensure that all pertinent account details are appropriately reflected in my credit report. Please keep me informed of the progress of the investigation and provide written confirmation once the matter has been resolved. Thank you for your prompt attention to this matter, and I anticipate a favorable resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AR Resources, Inc.
State: PA

Complaint narrative:
This collection agency does not stop calling me after many times that I have told them, I've been a victim of identity theft and this account does not belong to me. It's been several years now and they as the company refuses to take it off my credit report and does not stop calling me. I have tried for them many times to stop calling me, take the collection of my three credit reports and nothing yet. Please assist with this matter.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: GA

Complaint narrative:
Last year the account ending in XXXX was closed and then reopened in 2023 which was authorized by the consumer, XXXX XXXX. In XXXX of 2023 the XXXX XXXX XXXX  XXXX Account ending in XXXX was reinstated in full and consumer, XXXX XXXX has full access to the spending account. XXXX XXXX contacted XXXX XXXX Bank in XXXX to request the corrected status of " open '', be reported to the bureaus. XXXX XXXX Bank agreed to correct the status on the credit XXXX account being reported to reflect the accurate " XXXX '' status. XXXX challenged the XXXX  XXXX XXXX  account ending in XXXX with Transunion and XXXX demanding that the account data that was furnished meet FCRA requirements. XXXX provided the XXXX billing statement that proved the account was open and XXXX XXXX is now reported the account as " closed '' providing false information to the credit bureaus. In the report, I am including the XXXX XXXX XXXX XXXX the investigation as well as sending over the XXXX billing statement proving the account status is " XXXX '', with transactions from card ending in XXXX XXXX XXXX has falsified information causing consumer to incur putative damages to credit report score. XXXX is now seeking legal action along with acceptable direction from a credit attorney.

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 2023-07-24 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: GA

Complaint narrative:
Last year the account ending in XXXX was closed and then reopened in 2023 which was authorized by the consumer, XXXX XXXX. In XXXX of 2023 the XXXX XXXX XXXX  XXXX Account ending in XXXX was reinstated in full and consumer, XXXX XXXX has full access to the spending account. XXXX XXXX contacted XXXX XXXX XXXX  in XXXX to request the corrected status of " open '', be reported to the bureaus. XXXX XXXX XXXX  agreed to correct the status on the XXXX  XXXX account being reported to reflect the accurate " XXXX '' status. Consumer challenged the XXXX  XXXX XXXX  account ending in XXXX with XXXX and Equifax demanding that the account data that was furnished meet FCRA requirements. Consumer provided the XXXX billing statement that proved the account was open and XXXX XXXX is now reported the account as " closed '' providing false information to the credit bureaus. In the report, I am including the Equifax XXXX XXXX XXXX the investigation as well as sending over the XXXX billing statement proving the account status is " XXXX '', with transactions from card ending in XXXX XXXX XXXX has falsified information causing consumer to incur putative damages to credit report score. Consumer is now seeking legal action along with acceptable direction from a credit attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

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 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2023-07-24 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: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, my husband DIED unexpectedly. Unfortunately my husband was having some difficulty with the mortgage and it was in the rears when he died all of a sudden. As an heir of the property, I recently contacted the mortgage company to request a 6-month Forebearance so that I can get things in order legally through probate court. 

I mailed a certified letter with a copy of my marriage certificate enclosed with letter requesting the forebearance on XX/XX/XXXX. It was brought to my attention the foreclosure process was IMMEDIATELY started in XXXX and my husband hadn't been deceased for 30 days! 

Now the mortgage company is seeking to put my home on auction on XX/XX/XXXX without allowing me sufficient time to make an attempt to resolve this situation. This home has been in our family since XXXX. 

My home is worth approximately {$450000.00} and there was loan of {$300000.00}. taken out in XXXX. If given the opportunity to sell my home, the loan of {$300000.00} can be repaid because the value of the home is greater than what is owed on the home. 

I have made several attempts to speak to the attorneys of the mortgage company however I have not received any response from them at this time. I believe my family is being taken advantage of as we grieve the loss of our husband and father! As his widow, I am requesting help with this matter. It would be out right criminal to take advantage of our family as we grieve his sudden death and then loose even more by the loss of our inheritance which has been in our family for 30 years or so. 

I would deeply appreciate any assistance with this unfortunate circumstance. His loss is devasting and I believe our family was not given adequate time to adjust to his unexpected death as I take the proper steps to resolve through probate court.

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 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
This is a follow-up to the previously filed case number XXXX. 

Neither CFPB 's nor the credit union 's responses were responsive to the complaint. 

NFCU lied on XX/XX/XXXX regarding the circumstances of their " notice '' that my debit card had been revoked ; they told me that " notice '' was given by means of a letter sent on XX/XX/XXXX ; the " notice '' was not received until the following week and was dated XX/XX/XXXX ( copy attached ), which means that no advance notice was given for the suspension of my debit card. 

NFCU did nothing for nearly three months, and when they did finally reply, the information provided did nothing by way of a meaningful or satisfying explanation for their actions. See letter dated XX/XX/2023 ( copy attached ). The alleged " violation of the Debit Card Disclosure '' was not specifically set forth, nor was a copy of the " Debit Card Disclosure '' even provided. I contacted NFCU by means of their internal messaging service in my online account web page, but they just ignored me and did not reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I contacted Experian about my credit report in XX/XX/XXXX. I am currently trying to buy a house so I pulled my credit report up and my score was very low and a lot of information was on there I was not aware. I have asked them to remove these negative reports. I explained my husband had gone through XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and his time was limited so I needed to get my report up to buy a house for my family. I stated XXXX ( a collection agency ) had an account on there from XXXX XXXX ( so they presumably bought the debt of {$530.00} ) that was closed and damaging my credit. I have no recollection of any account from XXXX XXXX nor XXXX from XX/XX/XXXX and feel they have violated my rights. 15 USC 1681. There is also an account from XXXXXXXX XXXX  that has been paid off and still reflecting on my account after I explained my need for this to be removed. I will be a single mother/widow who has paid on time numerous cards on my account. Ive paid off every debt Ive ever had in My name. There is also a negative report of XXXX for XXXX that I have never heard of nor recall. I explained to Experian I needed these removed because of the negative impact on my credit and I need to get a home loan. My family will not have a home in XXXX. I am begging for my rights and my information to be protected. I have reported identity theft to identitytheft.gov. Please help me get these removed from my credit.

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 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2023 I had a balance of {$600.00} in my VENMO account, I have transferred money several times over the past year and it has always gone to my XXXX XXXX XXXX account. I didn't know I still had an account linked to my Venmo account under XXXXXXXX XXXX When I initiated the transfer, the money went to the XXXX account. I have not been a XXXX  customer in years so when I realized this happened I called Venmo and they told me that the money had been successfully sent to XXXXXXXX XXXX  and that I must call them and sort it out. I called XXXXXXXX XXXX  on XX/XX/XXXX and gave them the Venmo trace number to confirm the money was sent to their bank. They then gave me another trace number that stated XXXX refunded the money back to Venmo because the account does not exist and therefore they couldn't receive it. I have been calling Venmo periodically since then and speaking to an account specialist who is not able to help me track down my money. I have received email responses on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX saying that the amount of {$600.00} was successfully sent to XXXX. I have called XXXX and given them my social security number to ensure that I do not have an account with {$600.00}, let alone any money in it, and I have been told 'no ' each time. I called on XX/XX/2023 and XX/XX/XXXX. 
I want to know where my money is, and no one really seems to be helping. I can not get any more information out of Venmo or XXXX and I feel very helpless and out of a lot of money. I am frustrated and would like someone to help me and not just email me that the money was successfully transferred. It was clearly refunded, so I would like to know where it went.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I closed on a Home Equity Line of Credit to pay off debt with my creditors on XX/XX/2023. The Title Company that I used sent checks made payable to my creditors and instructed me to mail them out directly to my creditors. I mailed the checks out on XX/XX/2023. The checks were stolen. I found out that XXXX of these checks fraudulently endorsed and deposited into someone's Bank of America Account. One of the checks made out to my creditor XXXX XXXX posted on XX/XX/2023 in the amount of {$8700.00} and the other check was made out to Bank of America to pay the balance on my credit card with them posted on XX/XX/2023 in the amount of {$7100.00}. I first contacted Bank of America on XX/XX/2023 to file a fraud dispute. I went to a Branch on XX/XX/2023 and contacted the bank several times since then with still no resolution. These checks were made out to my credit card companies to pay off my balances. Bank of America was negligent in allowing someone to deposit these checks into a random account not belonging to the companies that they were issued to.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, This is a report about multiple violations of law by consumer reporting agencies such as XXXX, XXXX and Equifax such as 1. 15 U.S Code 1681a ( 2 ) ( A ) ( i ) : reported information can not be only transactions and experiences between the consumer and the company.

2. 15 U.S Code 1681a ( 2 ) ( A ) ( iii ) : the consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act.

3. 15 U.S Code 1681a ( 2 ) ( B ) : if a transaction was authorized by a social security card, the real credit card first defined understand the Truth In Landing Act, this transaction must be excluded from a consumer credit report.

4. 15 U.S Code 1681b ( a ) ( 2 ) : consumer reporting agencies need written instruction to make a consumer report by the consumer. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report.

5. 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : Unauthorized inquiries. 

The above violations were made in relation to the following accounts and must be corrected : 1 ) XXXX XXXX XXXX opened XX/XX/XXXX 2 ) DEPT OF EDXXXX opened XX/XX/XXXX 3 ) DEPT OF EDXXXX opened XX/XX/XXXX 4 ) DEPT OF EDXXXX opened XX/XX/XXXX 5 ) XXXX XXXX opened XX/XX/XXXX illegally closed XX/XX/XXXX 6 ) XXXX XXXXXXXX opened XX/XX/XXXX illegally closed XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief