vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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:
I received a call from Capital One saying there was fraudulent activity on my credit card. They asked me to go onto my app and check which expenses weren't made by me. This occurred on XX/XX/XXXX. I saw no expenses on the card. 
Then they said, for my security, they would need to protect my card, and that they'd need to make some changes on the card for this protection to occur. This occurred on the same day. I was on the phone with them for around 2 hours. I received several texts from Capital One during this 2 hour period. They kept assuring me via text that a new card would be coming soon. I also received emails saying the same thing. 
They told me someone needed to come to get the card in order to do a " chip scan ''. A man came within ten minutes to pick up my card. I immediately locked my card on the app, as I felt uncomfortable with it being out of my hands. 
The next day, on the XXXX of XXXX, they called me again. We went through a similar process. They confirmed my security settings had been changed, and they kept sending me texts and emails to show that. 
By XX/XX/XXXX I still hadn't received a new card. I checked the app and I saw around $ XXXX purchases I didn't make, so I called Capital One, and they told me that a card had been sent out, but it wasn't sent out to my address. This is when I realized I got scammed. 
Capital One originally told me that everything was ok, and that they'd take care of it for me. They even reversed the charges on my credit card app ( I will attach pics of this below ). I looked at the app a few days later and I noticed the balance due went back up after going down from them erasing the purchases. When I contacted them, they told me that the case had been " escalated '' and that a new decision had been made, and that it was technically my fault, cause I gave the card to someone willingly, and that that counted as giving authority to the person. I obviously didn't give permission to this person. I wouldn't willingly let someone spend money on my card. 
I'm hoping for some help. I can't even come close to affording this right now. 
Thank you for any help you can offer.

Fingers crossed XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Complaint is against Synchrony Bank : Customer Service, XXXX XXXX XXXX, XXXX XXXX, FL XXXX, Tel : XXXX Loan is paid in full. Received letter from Synchrony Bank stating paid in full. Telephone recording states the loan is paid in full. Received released title for vehicle from Synchrony Bank. However, Synchrony Bank has reported 3 times that the account is delinquent with a remaining balance of {$160.00}. Synchrony continues to send statements showing a remaining balance of {$160.00}. These statements are inaccurate. The account is paid in full and Synchrony has provided the documentation of such. 

Discovered the delinquent account reporting XX/XX/year>. Contacted Synchrony XX/XX/year>, spoke with XXXX ID # XXXX, he found an internal discrepancy, but found that the loan was paid in full with a XXXX balance. He opened a ticket # XXXX to resolve the discrepancy and correct the delinquent reporting. He stated it would take up to 30 days to resolve. Discovered XX/XX/year> " Delinquent account '' reporting for same loan again on XX/XX/year>. Contacted Synchrony XX/XX/year>, spoke with XXXX ID # XXXX. He also found internal discrepancy, and also found account to be paid in full and that a XXXX XXXX had been entered into the system to XX/XX/XXXX out '' the account within 60 days, which was approved on XX/XX/year>. All delinquent reporting was to stop and be reversed with all 3 credit agencies. Received a letter dated XX/XX/year> from Synchrony stating that the issue had been resolved and the account had been adjusted to address the payment concern. Discovered XX/XX/year> delinquent account reporting yet again, on XX/XX/year>. 

This has caused my credit score to plummet XXXX points since XXXX. I am a business owner and finance equipment, loan refinancing and new project loans on a regular basis. This has had a negative impact on my personal and professional ability to conduct business. This is without a doubt both fraudulent and malicious credit reporting by Synchrony Bank

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 2024-11-11 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX account number : 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
Consumer complaint received 2024-11-11 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
For over 18 months we have attempted multiple times to have PMI removed from our mortgage. We owe XXXX and recent XXXX  and appraisals show values around XXXX XXXX dollars. Roundpoint has refused the request multiple times and today refused to give the company who has our PMi but finally gave it after I refused to get off the phone. XXXX was very kind but said that all requests must come from roundpoint. My complaint is against Roundpoint mortgage for deceptive and illegal business practices.

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 2024-11-11 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: CA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of 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 2024-11-11 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: IL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of 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 explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Absolute Resolutions Investments , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Absolite Resolutions Investments, LLC, I acknowledge receipt of your response to my debt verification request dated [ Date ]. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now include : The name and mailing address of the debt collector ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided.

Your response dated [ Date of Response ] did not include any of the aforementioned details.

In accordance with the FDCPA, please provide the following : 1. The name and address of the original and current creditor ; 2. Verification of the debt amount you are attempting to collect ; 3. Documentation of any assignment from the original creditor, including my name and the original account number ; XXXX. All relevant information on the securitization of the debt and proof of its reassignment to XXXX XXXX XXXX, XXXX. 
Federal law, specifically XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount. 
Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report. 
I appreciate your prompt cooperation in this matter. 
Sincerely, XXXX XXXX

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

Complaint narrative:
I have identified inaccuracies in my credit profiles. I have REPEATEDLY attempted to report these accounts as not mine, however they are not being removed. I have disputed many times including through credit bureaus and third party agencies.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
I am a victim of identity theft. I did not authorize this company to pull my credit. This is a fraudulent inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN HAS REPORTED THIS INFORMATION ON MY CREDIT REPORT. THER ARE DISCREPANCIES AND THE COURTS HAS ADVISED THEY HAVE NOT REPORTED ANY INFORMATION AND IM DEMANDING IT BE REMOVED!

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a victim of identity theft. I did not authorize this company to pull my credit. This is a fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
I signed up for {$1500.00} cc amount. I used up that amount and they are charging 299 % interest. $ XXXX interest per day. First month charge of $ XXXX interest To me this is usurious interest The name of the company is cash net

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TransferWise Ltd
State: CO

Complaint narrative:
I started creating my multi-currency business account at WISE more than a month ago and paid for the bank service, which only 15 days ago provided my balance information so I could start using my account, and when I proceeded to use my account, the bank cancelled it arbitrarily and discriminatorily on the part of this institution without prior notice and without reason, since my account is completely new.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XXXX I open a savings account with XXXX $ a few months after that I saw that my savings account was depleting and I called in to ask what was going on and I was told that it was some sort of monthly service fee that was not explained to me at the time of me opening my account. I tried to pull XXXX out of my savings, and my acct was locked and then I got hit with an overdraft fee I have kept minimal monies if any in that acct since then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I recently checked my consumer reports and noticed that there was information on my reports that I did not authorize. under the XXXX and FCRA it is ILLEGAL to furnish any information to any agency without the consumers written consent. I originally had an account with XXXX XXXX XXXX they furnished my information to HELVEY ASSOCIATES, all without my written consent. below I attached a dispute letter to further explain the laws being broken, I demand a deletion at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
1099-C requested on XX/XX/year> regarding " Sold/Charged Off account '' in the amount of {$530.00}. Company stated that 1099-C was unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I asked for a copy of my CONSUMER report. Means an individual who enters into a transaction primarily for personal, family, or household. 
You accepted a trust ship and created a fiduciary obligation for the trust I have a certified securitization auditor from XXXX who retrieve MY CUSIP # XXXX CFR state any hold of the consumer credit contract the debater can a assert they rights. I have every company and have how many times my securities been sold I've been denied a small portion securities exchange would charge the whole company with ( securities fraud, money laundry, A violation of trust agents act, ect )

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Allies for Community Business
State: IL

Complaint narrative:
I am a victim of identity theft. I did not authorize this company to pull my credit. This is a fraudulent inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: 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. I told XXXX, XXXX XXXX  equifax to reinvestigate these accounts, 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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Lawsuit against company has already been filed, too many dates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation