vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> I visited a Capital One branch located on XXXX XXXX XXXX, with a total cash amount of {$760.00}. I deposited my money into an ATM XXXX, transaction ID XXXX at XXXX XXXX and the ATM restarted mid process, rebooted, & printed out a receipt stating only {$160.00} was credited to the account. I spoke with the branch ambassador XXXX XXXX who told me to call Capital One to report it. Capital One told me id have to call back in XXXX hours because they were waiting to empty the ATM as the money shouldve gone into a rejection box. I waited until the next day and called again, they proceeded to escalate it to a supervisor who then called the branch directly and merged me into a XXXX way phone call with the XXXX XXXX. They expressed this isnt the first time this has happened with that specific ATM i used that day, and that an investigation would be launched into the missing funds. On XX/XX/year> I was credited the remaining {$600.00} in my account while the investigation was proceeding. As of today XX/XX/year> I checked my account to see they reversed the credit they gave me, and told me in a case letter dated XX/XX/year> that We have received your case # XXXX. Unfortunately, we must deny it because our ATM records do not show an error or a completed transaction for the dollar amount or date you indicated. I promptly called them at XXXX XXXX and after being escalated to a supervisor, was told that a complaint would be filed but that the investigation was closed and final. Im basically now expected to pay a bill from an ATM error and my credit card is now maxed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: FL

Complaint narrative:
I am requesting correction of inaccurate late payments on my credit report for XXXX XXXXXXXX XXXX, covering XXXX, XXXX, XXXX, XXXX, and XXXX. The files demonstrate that monthly payments of {$520.00} were made, which contradicts TransUnion 's reporting. Following consultation with the creditor, they have requested removal of these late payments. Please verify the payments through the attached files. 
If failure to do so I will further this action with the FCRA.

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 2024-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
I am writing to dispute inaccurate information related to my account with DPT EDXXXX ( Account Number : XXXX ) on my credit report. After reviewing the account details, I have found several discrepancies that require correction. The inaccurate information is as follows : XXXX. Date Opened : Reported inconsistently as XX/XX/XXXX and XX/XX/XXXX. Please verify and correct the accurate opening date. 
XXXX. Date Last Active : Inconsistent reporting with dates of XX/XX/XXXX, XX/XX/XXXX ( Updated ), and XX/XX/XXXX. These dates conflict, and I request that the correct date be updated. 
XXXX. Date Last Payment : Listed as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( Updated ). These dates are incorrect. Please review and update with the accurate date of the last payment. 
XXXX. High Credit : Reported as {$3000.00}, which I believe is inaccurate. Please verify and correct this amount. 
XXXX. Balance Owed : Listed as {$3200.00}, which I believe may be inaccurate. Please verify the correct balance owed. 
XXXX. Last Reported Date : Reported inconsistently as XX/XX/XXXX, XX/XX/XXXX ( Updated ), and XX/XX/XXXX. Please ensure the correct last reported date is reflected. 

I kindly request that you investigate these discrepancies and correct the errors as per the Fair Credit Reporting Act ( FCRA ). Please notify me once the corrections have been made and provide me with an updated copy of my credit rep

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-19 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC
State: IN

Complaint narrative:
I am a victim of identity theft. Please see attached FTC and ID and remove account from my credit report as well as collections. If you fail to do so, I will be forced to include you in my litigation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XX/XX/year> I received notice from Navy Federal Credit Union that a transaction was processed to XXXX XXXX  XXXX ( XXXX ) for {$200.00}. I originally came back from XXXX  around the XX/XX/year> to XXXX  and did a manual budget for next month. I entered the next bill Payments into online bill payments with NFCU for the XXXX of XXXX. I called the bank on the XXXX to ensure that this payment would be charged back and for them to check my payment history. Again, they told me to call XXXX XXXX. I called XXXX XXXX  and requested a charge back. They said this would take about 7-10 business days. I requested that they do not charge again. They stated they wouldnt. I called the bank and they did additional checks and balances to see if other devices had logged into the account. There was an XXXX  but she said that could have been my own XXXX  if I updated the software. We went Through the account to ensure there were no more transaction that were not dated correctly. On XXXX XXXX at XXXX I found another transaction that was dated for XXXX XXXX XXXX double transactions and I canceled it. I called NFCU fraud department and filed a complaint. She said there were no devices but my own that signed in. I explained that I changed my password for the XXXX and the Bank Login in hopes this would prevent someone from using my device to change transactions.This type of activity is in violation of 15 ISC 6923 part of rhe Graham Leach Bliley Act. Focusing on fraudulent access to financial information it includes provisions, making it illegal for individuals to access or disc Information from financial institutions under false pretenses. Additionally, the electron fund transfer act is designed to protect consumers who use electronic methods to transfer money. Banks must have clear procedures for unauthorized access to bank info and data modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I opened an account with Citibank on XX/XX/XXXX for the sole purpose of being able to deposit a check from XXXX XXXX that I had gotten that was deposit only and I was not allowed to cash at a check cashing place. I deposited the check it was accepted and cleared on XX/XX/XXXX but didn't show in my account and suddenly I couldn't access my amount online. It started asking for debit card information which I don't have because it's only been a day since opening. so I called the bank to verify what was going on the customer support lady said I needed to wait until the card arrived and everything was all good with my account and I was told the funds would be held for 5 days. And then my cousin sent me a XXXX payment. Citibank verified and told me my card was on its way then I get a email on XX/XX/XXXX maybe XXXX minutes after having up with customer support that my account was going to be closed because I violated the terms laid down in the terms and conditions when I called I asked what terms I had violated and I was not told anything they refused to answer the question they said " well you're just going to have to wait till the letter comes '' " I said well what do I need to do to get my money out of the account ' and they said well you need to go down to a branch so I went down to the branch and they told me that they couldn't help me that there was nothing I could do and they wouldn't tell me what terms I violated and now they won't tell me anything they closed my account I don't have access to it nothing.

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 2024-10-19 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-19 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: OR

Complaint narrative:
There are debts owed for accounts that I have no prior knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
There are debts owed for accounts that I have no prior knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
There are debts owed for accounts that I have no prior knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/2024. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX XXXX SOLD TO LVNV FUNDING. THIS ACCOUNT IS FRAUD AND NOT VALID. I HAVE NEVER DID ANY BUSINESS OR APPLIED FOR A XXXX XXXX CARD IN MY LIFE. IVE ASKED THIS COMPANY LVNV TO PROVIDE ME WITH A ORIGINAL CONTRACT WITH MY SIGNATURE WITH XXXX  XXXX, NO RESPONSE. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-19 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:
Upon reviewing my Consumer Reports, I have identified instances of late payments on an account for which I have consistently maintained timely payments. I believe that Consumer Reporting Agencies play a crucial role in accurately reporting consumer information, and it is imperative that this information be reported with the utmost accuracy. As per my records, I have never missed a payment on the following account : [ XXXX XXXX XXXX XXXX, XXXX ]. I kindly request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently fulfilled my payment obligations without delay. 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 explanation
Consumer complaint received 2024-10-19 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: AL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion File Number:XXXX. 
Please see attached Legit Source of Documentations from the U.S. Law Enforcement Agencies. Please STOP HARRASSING ME TO KEEP ASKING TO GO TO THE XXXX XXXX TO MAIL ALL OF THIS. This is the reason I upload everything in the CFPB Portal for you to receive 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 2024-10-19 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: IN

Complaint narrative:
You have account XXXX for kohls listed on my report as a charge off but also a balance reporting. I have been contacted by a debt collector on this so I know the debt has been sold. You can not both be collecting and if something was written off, a 1099-C must be filed ( which is never received a copy ) and the balance should show XXXX. A charge off is also considered income and income can not be reported on a credit report. 

This is your official 30 day notice to remove the trade line from my credit or I will sue for statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: DE

Complaint narrative:
CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/2024. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX XXXX  SOLD TO RENT DEBTAUTOMATED. I HAVE CONTACTED XXXX NUMEROUS OF TIMES FOR INFORMATION ABOUT THIS ACCOUNT AND HOW I AM LINKED TO THIS. I WAS TOLD TO CONTACT THE CREDIT BUREUS AS THEY ARE NO LONGER THE OWNER OF THIS DEBT. I LIVE IN XXXX THIS APARTMENT PLACE IS IN XXXX. I HAVE NEVER LIVED HERE IN MY LIFE. THIS ACCOUNT IS FRAUD AND NOT VALID. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.

Company response to consumer: Closed with explanation