vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to report an inclusion of late payment from Account name CAPITAL ONE Account number XXXX on my consumer credit report. Capital One, XXXX, XXXX, and XXXX are violating my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd outlines its permissible content. Specifically, the law states that consumer reports can not include information about transactions or experiences between a consumer and the person making the report. This includes late payments, which should not be reported under these guidelines. 
15 U.S.C. 1681a ( 2 ) Exclusions. 
This Account has already been disputed previously and marked as completed which equals as a failure to correct this violation for which I now demand a {$1000.00} compensation as well as the removal of the late payment as a result of this failure. 

It has come to my attention that the reporting of late payments on my credit report is inaccurate and unlawful. The continued inclusion of such information violates my rights under the Fair Credit Reporting Act ( FCRA ) and creates an unfair representation of my creditworthiness. 

Delete the late payment which is stated on my consumer report that has a date of XX/XX/year> across all CRAs CAPITAL ONE Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information on my credit report. On XX/XX/year>, I notified each credit bureau that as a federally protected consumer, I opted out of any and all authorizations, verbal, non-verbal or written and unwritten, per 15 USC 6802 in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite this notification, my credit report continues to reflect inaccurate information that should not be present. This situation is not only affecting my credit score but also my ability to secure credit and other financial opportunities. 

I request that the CFPB take appropriate action to ensure that all inaccurate information is investigated and removed from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-10-24 00:00:00
Product: Credit reporting 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 formally file a complaint regarding inaccurate information on my credit report. On XX/XX/year>, I notified each credit bureau that as a federally protected consumer, I opted out of any and all authorizations, verbal, non-verbal or written and unwritten, per 15 USC 6802 in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite this notification, my credit report continues to reflect inaccurate information that should not be present. This situation is not only affecting my credit score but also my ability to secure credit and other financial opportunities. 

I request that the CFPB take appropriate action to ensure that all inaccurate information is investigated and removed from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: OH

Complaint narrative:
I will try to describe the problem : At this moment I feel I have no voice. And I feel I may not have legal recourse. Hence this note : I have had a secured credit card from First Progress. I have had small overages during this time. The highest overage was {$1.00}. The others are less than {$1.00}. 

Each time they charged me fees. Understandable. Each time they tanked my current credit score XXXX points per time [ XXXX at last look ]. This is infuriating. Today my credit score is in the XXXX 's / XXXX 's. What they appear to be doing in linking my overages to credit point loss. So, for example, if my overage was {$0.00} cents, they would charge me a purchase fee and THEN tank my credit score XXXX points. 

I believe this is over-punishment. I believe this is wrong. I believe First Progress uses this to bully its user 's into doing what First Progress wants them to do and are using my credit score to attack me. 

Attached is a PDF with further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments ; I've attached a copy of my report to this complaint on the following dates ( XXXX XXXX ) I'm now requesting you investigate this account and update these payments to " paid on time '' immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments ; I've attached a copy of my report to this complaint on the following dates ( XXXX XXXX ) I'm now requesting you investigate this account and update these payments to " paid on time '' immediately. Thank you for your understanding and prompt action.

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 2024-10-24 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( XXXX XXXX  ), Consumer Date of Birth : ( XXXX  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 XXXX 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 XXXX. XXXX XXXX XXXX Original creditor : AXXXX XXXX {$1300.00} XXXX. XXXX XXXX XXXX {$65000.00} XXXX. XXXX XXXX {$77000.00} XXXX. XXXX  XXXX XXXX {$14000.00} XXXX. XXXX  XXXX XXXX {$20000.00} XXXX. XXXX  XXXX XXXX {$8600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 XXXX 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 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 2024-10-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
In late XXXX or early XXXX of XXXX  I was in receipt of mail from Source Receivables in regards to an alleged debt owed in the amount of {$530.00}. At the time of this communication, this alleged debt had not been reported to any credit reporting agencies. I responded to this communication via certified mail requesting validation for this alleged debt on XX/XX/year>. This request for validation was mailed to and received at the address of headquarters and also the registered agent. After Source receivables was in receipt of my request for validation, I did not receive any further communication from this company regarding this matter. Upon reviewing my credit file with XXXX, XXXX, and XXXX in XXXX of XXXX, Source Receivables has reported this account to all XXXX agencies in violation of the Fair Debt Collection Practices Act ( 15 USC 1692g ( b ) ). This account needs to be removed from any and ALL reporting agencies that it has been reported to immediately as it is a violation of my rights as a consumer and this company needs to remove this account and all of my personal identifiable information from its records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Genesis Credit Management LLC, c/o Columbia Debt Recovery LLC , regarding their violations of my rights under the Fair Credit Reporting Act ( FCRA ) in connection with an alleged debt ( Account # XXXX ). 

On XX/XX/year>, Genesis Credit Management LLC received a certified letter from me, requesting proper validation of the alleged debt. Despite this, they sent a letter on XX/XX/year>, failing to provide the necessary validation, which violates my rights under the FCRA. Furthermore, when I contacted their office by phone on XX/XX/year>, they were unable to properly validate my identity and terminated the call without addressing the issues I raised. 

The companys failure to provide me with the requested validation of the debt, combined with their mishandling of my personal information during our conversation, raises serious concerns regarding their compliance with federal regulations. 

I am requesting that the CFPB investigate this matter and ensure that Genesis Credit Management LLC complies with the requirements under the FCRA, including the provision of : 1. The original purchase agreement and terms of the alleged debt.

2. Proof of the chain of ownership of the debt from the original creditor.

3. The date of first delinquency with the original debtor.

4. A copy of their bond to operate as a debt collector in my state I appreciate your assistance in resolving this issue and holding Genesis Credit Management LLC accountable for their violations of my rights. 

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the information reported on my credit file and to express my profound dissatisfaction with how my disputes have been handled, which constitutes violations of the Fair Credit Reporting Act ( FCRA ). 

Your recent correspondence indicated that you contacted the creditor regarding my dispute but were still awaiting evidence. This delay is unacceptable and represents a clear violation of Section 607 ( b ) of the FCRA, which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy in reporting information. 

I have submitted all necessary documentation, including my FTC report and police report number, yet your bureau has continued to claim that I must further substantiate my personal information. This insistence contradicts Section 611 ( a ) ( 1 ) of the FCRA, which entitles consumers to dispute inaccurate or incomplete information. Your failure to act on the provided documentation reflects a serious deficiency in your investigative process. 

In your recent reports # XXXX from XX/XX/year> states that the information is " still pending, '' which should have been communicated to me promptly. Report # XXXX, dated XX/XX/year>, also indicates that the dispute is " still pending, '' with completion projected for XX/XX/year>. Finally, Report # XXXX, dated the same day, states " here 's your results, '' yet the following line merely states " Credit items. '' This lack of clarity and the absence of meaningful results further illustrate that a thorough investigation is not taking place. All of this information was received by me on XX/XX/year>. 

Your bureaus inability to provide tangible evidence and clarity about the outcomes of these disputes demonstrates a blatant disregard for my rights under the FCRA. The incomplete nature of the investigations is indicative of negligence and raises serious concerns about your commitment to maintaining accurate reporting. 

If the inaccuracies and incomplete information are not rectified and the disputed items removed from my credit report immediately, I will have no choice but to pursue legal action for violations of the FCRA and seek damages for the harm caused by your negligence. 

I expect a prompt response and immediate action regarding this matter. Please ensure that all communications related to this dispute are documented and sent to me in writing. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: AL

Complaint narrative:
I am writing to formally dispute an incorrect late payment entry on my credit report associated with XXXX XXXX XXXX  XXXX, account number XXXX. This reporting violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically 15 USC 1681, Sections 602 and 604 ( 2 ), as well as 15 USC 1666b. 

Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/year> Amount : {$460.00} Violation of FCRA ( 15 USC 1681 ) : The inaccurate late payment entry is a clear violation of the FCRA, which mandates accurate and fair credit reporting. 
Violation of FCRA Sections 602 and 604 ( 2 ) : These sections outline the responsibilities of credit reporting agencies to maintain accuracy and the permissible purposes for which credit information can be furnished. The false late payment entry fails to meet these standards. 
Violation of TILA ( 15 USC 1666b ) : This section of TILA requires creditors to promptly credit payments. The alleged late payment was actually made on time and should have been credited as such.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, 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 explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) XXXX received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, 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 explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I would like to report the XXXX transactions made from Wells Fargo to XXXX  XXXX XXXX. It was cyber-scammed and have filed a case with the FBI ( XXXX ), FTC, XXXX, Law Enforcement ( Sheriff office ) and respective banks where I initiated the wires. Kindly request you to monitor and revoke/take necessary actions and will be helpful in recovering the funds, if possible. 

XX/XX/year> - XXXX XXXX XXXX - {$25000.00} - XXXX  # XXXX Complaint ID : XXXX / XXXX XX/XX/year> - XXXX XXXX XXXX - {$25000.00} - XXXX  # XXXX Complaint ID : 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 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 non-monetary relief