vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: MD

Complaint narrative:
Subject : Resolution Request for Immediate Correction and Financial Compensation Due to XXXX Reporting of Time-Barred Debt To Whom It May Concern : I am filing this complaint regarding XXXX reporting of a debt to credit bureaus that is over XXXX years old and thus unenforceable under Maryland law . According to Maryland Courts and Judicial Proceedings 5-101, consumer debts older than three years are time-barred and can not be legally enforced. 

Despite this, XXXX has reported this unenforceable debt to credit bureaus, which misrepresents its collectibility and has negatively impacted my credit profile. This action violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires fair and accurate credit reporting. Given the financial and reputational harm caused by this inaccurate reporting, I am requesting the immediate removal of this debt from my credit report. 

Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), my private financial information should not be disclosed or shared without my authorization, and XXXX  reporting of this time-barred debt violates this restriction. 

I am requesting both immediate removal of this time-barred debt from my credit report and financial compensation for the harm caused by this reporting. I appreciate the CFPBs assistance in addressing this issue and ensuring that XXXX is held accountable. 

Thank you for your attention to this matter. 

Sincerely, /s/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: AL

Complaint narrative:
Your company is in clear violation of the law. Under 15 USC S1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: GA

Complaint narrative:
Its my understanding that credit reporting agency would investigate and re-investigate this account for me to ensure 100 % accuracy. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. The Date closed as seen in attached documents listed as XXXX XXXX XXXX I am demanding a deletion of the following account : Account : XXXX XXXX XXXX Account # : 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 2024-11-02 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: CA

Complaint narrative:
Bank XXXX XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-11-02 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: GA

Complaint narrative:
These following accounts do not belong to me and reports were made already. My identity was stolen and I have tried several attempts to get these accounts removed as they do not belong to me. I have asked for proof that they belong to me and it was not given. I have attached an identity theft report with further details. The credit companies are also breaking several laws which I will include in here. Account XXXX XXXX XXXX, open date XX/XX/XXXX, XXXX. Account XXXX XXXX XXXX, open XX/XX/year>. These are two of the same account that dont belong to me. I would like proof that these accounts belong to me from the company reporting them. Account XXXX XXXX, open XX/XX/year>. These accounts do not belong to me and was involved in my identity being stolen. Laws, under 15 USC 1692g. validation of debts. under 15 USC 1681c-2. block of information resulting from identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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:
These following accounts do not belong to me and reports were made already. My identity was stolen and I have tried several attempts to get these accounts removed as they do not belong to me. I have asked for proof that they belong to me and it was not given. I have attached an identity theft report with further details. The credit companies are also breaking several laws which I will include in here. Account XXXX XXXX XXXX, open date XX/XX/XXXX, XXXX. Account XXXX XXXX XXXX, open XX/XX/year>. These are two of the same account that dont belong to me. I would like proof that these accounts belong to me from the company reporting them. Account XXXX XXXX, open XX/XX/year>. These accounts do not belong to me and was involved in my identity being stolen. Laws, under 15 USC 1692g. validation of debts. under 15 USC 1681c-2. block of information resulting from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I believe I am a XXXX XXXX XXXX XXXX XXXX. My XXXXXXXX XXXX routing number is XXXX and my XXXXXXXX XXXXk checking account number is XXXX. On Tuesday XX/XX/year>, I met XXXX XXXX, a woman who lived in XXXX XXXX, on a XXXX XXXX called XXXX. We eventually moved onto XXXX and set up a meeting on XX/XX/year> at XXXX XXXX XXXX XXXX XXXX to have a meeting. At first she asked for {$100.00} through Zelle. She told me to send the money to the Zelle account that belonged to her Boss, which I believe is XXXX XXXX. XXXX told me to send the money to add her as a Zelle recipient and use XXXX XXXX email, XXXX. XXXX email is XXXX. On the day of the meeting, XXXX and her boss demanded a {$200.00} payment for a safety fee. Eventually, they increased the cost to {$500.00}. I sent a total of {$600.00} in 5 Zelle transactions : {$50.00}, {$50.00}, {$200.00}, {$200.00}, and {$100.00}. They asked for {$200.00}, and I had enough. I went home. XXXX and her boss then said if I pay the {$200.00}, I would receive my {$700.00} back. The next day, XX/XX/year>, I tried to send the {$200.00} to the Zelle account of her roommate, XXXX XXXX. Her email is XXXX. I dont know if she is involved as well, but it is a possibility. XXXX XXXX automatically refunded the {$200.00} to my checking account and restricted my access to their mobile banking app for XXXX hours. I decided to call XXXXXXXX XXXX  and they connected me to their Fraud Liason Center so I could report the 5 Zelle transactions as fraudulent. XXXXXXXX XXXX discovered that the {$600.00} was sent to XXXXXXXX XXXX and sent a notice to them that the transactions were fraudulent in hopes of getting the money sent back to my checking account. I am contacting Consumer Financial Protection Bureau to hopefully assist me in this endeavor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
The vehicle that was leased through the consumer was deemed a total loss. They ended up closing my account and stopped my payments as I was not able to make my payments to the consumer was the vehicle was going through the total loss process. I had contacted the consumer multiple times as they kept updating the balance on my account when it was originally at zero. The vehicle lease payment was settle through an Insurance Claim and it was paid. I contacted the consumer because they flagged it on on my credit report as late when I made all payments on time. They sent me a letter stating that the account was closed and my vehicle lease has ended. Now the account is showing on my report as open with a missed payment of 60 days past due. Contacted the consumer to resolve this matter and they advised me that it was nothing they would do. I have been having this issue since the vehicle was stolen from me in XXXX into 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 2024-11-02 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: IL

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE XXXX XXXX XXXX XXXX XXXX XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT.NOR THEREFORE ANY SUCH DEBT IN THE FACT THEREFORE EXIST. ( PLEASE REMOVE THIS ACCOUNT BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America is incorrectly showing an account as having a late payment for XX/XX/year>, and falsely sending that to the credit reporting agencies. This is in violation of the FCRA. This account has always been on AutoPay and has never been late. Since XXXX, I have reported this to the bank and it's going on 4 months now that they are not taking action, not returning calls, and not correctly the issue. They have even closed CFPB complaints saying that they issue is resolved, but then privately emailing me and saying they are still researching. This has cost me approximately {$10000.00} in increased costs due to higher loan rates tied to a lower credit score, that was only affected by this false information from the bank. Bank of America should cover any of these expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have had a Venmo account for XXXX years. Just a few months ago my account was frozen and they asked to provide proper documentation. I provided all documentation and ID, my account was reopened. 
This morning, my account was frozen again. They asked me for the same identification. I have almost {$2000.00} in my account and use this to pay my rent. They are telling me XXXX business days. 
No help at all, beyond ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-02 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: VA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
My account was limited in XXXX and I was told that my account funds will be eligible for release on XX/XX/year>. Now my account funds are being held another 120 days after getting another email saying " You can no longer use PayPal '' XXXX. 

I spoke to someone from the Executive Office in XXXX and they said the money will be released on XX/XX/year>. Now, it is another 120 days without any chargebacks/disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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
Consumer complaint received 2024-11-02 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: DC

Complaint narrative:
The vehicle that was leased through the consumer was deemed a total loss. They ended up closing my account and stopped my payments as I was not able to make my payments to the consumer was the vehicle was going through the total loss process. I had contacted the consumer multiple times as they kept updating the balance on my account when it was originally at zero. The vehicle lease payment was settle through an Insurance Claim and it was paid. I contacted the consumer because they flagged it on on my credit report as late when I made all payments on time. They sent me a letter stating that the account was closed and my vehicle lease has ended. Now the account is showing on my report as open with a missed payment of 60 days past due. Contacted the consumer to resolve this matter and they advised me that it was nothing they would do. I have been having this issue since the vehicle was stolen from me in XXXX into XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: DC

Complaint narrative:
The vehicle that was leased through the consumer was deemed a total loss. They ended up closing my account and stopped my payments as I was not able to make my payments to the consumer was the vehicle was going through the total loss process. I had contacted the consumer multiple times as they kept updating the balance on my account when it was originally at zero. The vehicle lease payment was settle through an Insurance Claim and it was paid. I contacted the consumer because they flagged it on on my credit report as late when I made all payments on time. They sent me a letter stating that the account was closed and my vehicle lease has ended. Now the account is showing on my report as open with a missed payment of 60 days past due. Contacted the consumer to resolve this matter and they advised me that it was nothing they would do. I have been having this issue since the vehicle was stolen from me in XXXX into 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 2024-11-02 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: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
My problem has less to do with finances and more to do with a mix of customer service and technological issues involving Capital One.

I have a XXXX XXXX XXXX XXXX, as well as a past auto loan that I paid monthly from XX/XX/XXXX to XX/XX/XXXX. Despite having two accounts, the Capital One website has given me the same repeated error since the start of my auto loan : " You don't have any accounts available to service online at this time. '' I was able to overlook this for a while by using paper and the automated phone system to make my payments. However, the issue became increasingly disconcerting this year when I wanted to move my payment date so that it fell after my paycheck. And yet, the online error persisted, so that I had to rely on the cosigner of my auto account to make the change for me. It does not matter what device I am on. I have tried mobile, desktop, and laptop, only for none of my accounts to show up on them.

Talking to the AI assistant is pointless, as it draws on the information provided by the online account, which it can't if there isn't an account available. 

I tried calling Capital One customer service to address the issue, but after an extensive phone tree, an automated voice told me to call during business hours before hanging up abruptly. This was on a Wednesday afternoon, and there was no option given for voicemail.

I attempted more than once to speak with a human representative, with similar results. Since I could not reach customer service online or by phone, I resorted to a typed letter, which I then sent through the mail to more than one branch. I detailed the problem to the recipients as I have here, making it abundantly clear that my primary concern was an IT issue.

Despite this, their response was curt and simply assured me that my credit score was fine. Though I did mention concerns over my credit score, it was directly related to the fact that I can not manage my accounts online, which I feel is fairly obvious if one reads my letter. 

In the last week of XX/XX/XXXX, I received a bill in the mail for a supposed XXXX XXXX subscription that I made on my XXXX XXXX. I did not in fact make this purchase, but since I still can not view my account, I can't verify it or any other purchases. I did report the fraud with evidence of the purchase ( or lack thereof ). The claim is currently being reviewed.

It is inexcusable that a company of this size should have such poor tech support when they are so heavily reliant on online databases. I am in the dark on my credit account because nobody will help me with this issue.

Company response to consumer: Closed with explanation