vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year> I purchased a desk from XXXX. A day or XXXX later I wished to purchase home installation. A problem on the XXXX website caused me to attempt purchase of this service XXXX using my XXXX card and once using my CapitalOne card. I called XXXX and was credited by them for the duplicate charges and was told that my CapOne purchase would not be charged and would drop off. It did not. I have contacted CapOne, they have contacted XXXX, I have shown to capOne docs showing the duplicate charge and documentation that I have paid it on my XXXX statement. CapOne is refusing to delete this duplicate charge. I spoke with a supervisor at CapOne on XX/XX/year> and was informed that if I sent over documentation showing payment to XXXX it would be enough to delete the duplicate charge. I submitted documentation showing payment and XXXX minutes later got a letter informing me it wasn't good enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: PA

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: NY

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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:
" 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-08-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please remove these inquiries from my credit report because I did not authorize them.

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 2024-08-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Real Time Group, Inc.
State: CT

Complaint narrative:
On or about XX/XX/XXXX, I purchased my current home as a owner occupant. My lender indicated that I qualified for a HELOC, in addition to my mortgage loan, and I closed with 2 mortgages on the house. The HELOC was with XXXX XXXX. XXXX went out of business sometime in XXXX. For several years, no one reached out to me about the HELOC. During the recession, I refinanced/modified by first loan with XXXX XXXX  XXXX and continued to make on time payments for almost 20 years. 

I was recently notified that my HELOC with XXXX  was bought out by XXXX XXXX XXXX and Real Time Resolutions. They filed a Motion to have my home foreclosed. After some online research, I understand that these companies purchase old loans ( zombie loans ) and go after the homeowners ' property. I have not heard of XXXX XXXX  until I received the Foreclosure Notice from them. I spoke with a customer service representative about the matter, and she stated " home equity is up around the country and your house is worth a lot of money. '' If there is any help for home owners facing this kind of shakedowns by zombie loan predators, I would gladly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
In XX/XX/XXXX, two unauthorized withdrawls were made from my personal Key Bank account. I alerted the bank to this fraud as soon as I discovered it and immediately closed the account. One transaction was stopped before it was completed ; the other was reimbursed. Upon closer inspection of all the transactions, I discovered that a check mailed to the PA Department of Revenue had not cleared the account. Another check ( {$24000.00} ) written to the IRS appeared to have cleared the account since the correct amount was withdrawn. I did not click on the link to see a copy of the check. 

In XX/XX/XXXX, as I was paying my quarterly IRS taxes online I noticed that there was no payment received in XXXX. I checked the closed account and found that the check I had written to the IRS had been washed and cashed by a person unknown to me named XXXX XXXX. The only original handwriting on the check was my signature. I notified Key Bank immediately of the fraud. I also filed a complaint with the XXXX XXXX XXXX Police and the U.S. Postal Inspector. 

On XX/XX/XXXX, Key Bank notified me in writing that my claim for reimbursement was denied because I had not notified them of the fraud within 30 days. I met with the bank manager who said she had known of several cases where funds had been reimbursement beyond the 30 day window. On the basis of this, she appealed the decision. I received a phone call on XX/XX/XXXX from XXXX XXXX in the Key Bank Executive Office in XXXX. I was told that they were going to review my case. 

Over the next five months I checked in regularly to inquire about the progress and to get more information on how, when and where the checked was cashed. I was told it was their policy to not provide any information to clients. The only information I was told, was that she had " reached out to all of her line of business partners '' but she refused to tell me what a line of business partner was. 

On XX/XX/XXXX Key Bank once again denied the claim saying I had not notified them of the fraud within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I'm constantly bein denied For credit due to errors problems also the inquiries has gotten so high now due to the constant denial. It not the scores reporting. It inquiry l Have accounts bein reported not showing on my credit report. The Government needs to make changes on how these accounts are bein reported .I Just reapplied for loan for credit again has been denied for. Accounts showing incorrect delengcy .nor inquiring bein to high .these companies continue denial me for any line 's credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Veros Credit, LLC
State: GA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  XXXX  before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: PA

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to follow up on my previous letter dated [ XX/XX/year> ], in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on, auto loan, account [ XXXX XXXX XXXX account number XXXX ]. To date, I have not received confirmation of the correction nor observed any changes in my credit report. I am writing to file a formal complaint against XXXX XXXX XXXX due to the lack of response to a credit dispute letter I sent on [ XX/XX/year> ]. Where XXXX XXXX XXXX violated my rights by law, that it did not respond to me in more than 30 days as stipulated by law, where I requested that it provide me, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that it has adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Also include all information required by section 1637 ( b ) of Title 15. As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: GA

Complaint narrative:
I have sent multiple disputes in regards to the inaccuracy of my discover bank account on my consumer profile with Experian. In that dispute was a detail Credit report, showing the inconsistencies and inaccuracies amongst all three Credit bureaus. After each dispute. I receive a verified and updated dispute results. I then proceeded to send a 609 letter Requesting all documents and investigating or verifying the disputed items and also detailed procedures on how they investigated and verified the disputed items. I then again received the exact same Verified and updated dispute result

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX a debt for {$520.00} from XXXX XXXX  XXXX XXXX was reported to my credit report by First Federal Credit Control. As of my last appointment on XX/XX/XXXX XXXX XXXX  XXXX XXXX, I didn't have any balance due and no balance is showing on the patient portal website. I never received a letter, e-mail, call or any communication regarding this debt. 

It's been less than 12 months since the last time I received services from XXXX XXXX XXXX XXXX and according to the Consumer Financial Protection Bureau ( CFPB ) debt collection agencies must wait at least 12 months to report an unpaid medical bill to the major credit bureaus ( XXXX, XXXX, and XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Received this email and was scared to open it. I don't know who they are and I didn't order anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: NY

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
Contacted me using caller ID indicating the call was a " Political Call '' which is false. Misrepresented their company in order to elicit an answer to the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
A credit charge that I am not aware of is reported to the credit bureau. The account was opened on XX/XX/year> with the amount of {$6200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: GA

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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please remove these inquiries from my credit report because I did not authorize them.

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 2024-08-07 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: OH

Complaint narrative:
Please remove these inquiries from my credit report because I did not authorize them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: GA

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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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