vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BTH Management
State: SC

Complaint narrative:
I checked XXXX XXXX and found a delinquency report from Plaza Services XXXXXXXX XXXX  in the amount of {$2000.00}. That debt does not belong to me. It is reporting incorrectly on my credit report. It need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
have had my credit report pulled for a home purchase and found inaccuracies that are keeping me from proceeding. There are XXXX loans from Department of Education reporting on my Equifax report as open, late 120 days and with balances. This is incorrect. These accounts were transferred to XXXX and are current. The accounts showing as DP of EDUC on my credit report should be reporting a XXXX balance and be listed as closed due to transfer. 

I have attached 6 screenshots from my credit report showing the 3 " late 120 days Dep of Ed " loans with balances and the 3 current XXXX loans on my credit report. You can clearly see that balances match up. The older files were obviously transferred to XXXX. This error is only showing on my Equifax report. I have also included a copy of my license as proof of ID.

These Department of Education loans showing as open/ late with balances are preventing me from obtaining necessary funding. I need this researched and updated to paid or transferred as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
From XXXX - XXXX of XXXX, I filed a dispute with Experian, XXXX and XXXX about the unverified collection account of XXXX XXXX and XXXX XXXX. I have asked numerous times for investigation of these unverified accounts and after numerous attempts it continues to be reported on my consumer credit report by all three bureaus. So now I'm contacting the cfpb to step in and help me get this issue resolved from these bureaus about this inaccurate account as of today. Thank you

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
. 
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy.

In accordance with the fair Credit Reporting act ) COLLECTIONSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE OPEN XX/XX/XXXX, XXXX ( REPOSSESSION ) XXXX XXXX XXXX XXXX XXXX XX/XX/2017 ACCOUNT # XXXX I HAVE 2 LATE PAYMENTS BALANCE {$12000.00} 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
. 
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.

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 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Concord Servicing Corporation
State: KS

Complaint narrative:
I've submitted written requests for Blackwell Recovery to return the debt that I have disputed because I am trying to work with the original creditor to work out a cancellation option, and can not move forward with the account in collections. I plan to work this out and settle with the original creditor, and all of this has been explained to Blackwell Recovery. They are actively ignoring my disputes and continuing communication. I need this situation remedied ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
Getting charged late fees on my account when my account is on auto pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2023, I purchased at my bank 4 cashiers checks to send in 1 at a time to Capital One Credit Card services. I mailed the first one on XX/XX/XXXX, so that it could be there by XX/XX/XXXX ( the payment due date ), they supposedly didn't receive it until XX/XX/XXXX. A late fee was applied. Mailed on XX/XX/XXXX and not received until XX/XX/XXXX is 19 business days. The US postal service does not take 19 business days to send a standard letter sized piece of mail from XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Fast forward to XXXX ' XXXX payment, I sent out XXXX 's payment on XX/XX/XXXX. It is now XX/XX/XXXX, and Capital One has not yet credited my account. It is my belief that Capital One is going to charge another late fee. 

I called my bank and inquired as to the status of the payment mailed on XX/XX/XXXX and it had not been cashed. Had this check been stolen, it would have been cashed. It is clear to me that fraud is happening at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid 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: NC

Complaint narrative:
I ordered this phone in XX/XX/2023. It was marked delivered several days after and I immediately opened a claim with XXXX and XXXX as the phone was not on my porch. Weeks went by and while I was refunded, I was subsequently rebilled by Capital One as the tracking number showed the parcel had been scanned to my regional facility. After a few months -- on XX/XX/2023, XXXX responded to my claim and I was able to pick up the device I ordered in XXXX. The issue is however, is that XXXX has locked the phone since I opened a claim and despite opening a dispute with Capital One I am still on the hook for the charges with a device that is unusable. This is my first ever chargeback and was sure that Capital One would have supported me however I must file this complaint due to my thorough dispute claims being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
[ Date ] XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Inaccurate Personal Information Reporting by XXXX I am writing to file a formal complaint against XXXX XXXX and equivalent regarding the refusal to correct inaccurate personal information on my credit report. Despite providing appropriate documentation, specifically a copy of my driver 's license as proof of my correct address, XXXX has failed to make the necessary corrections. 

I have recently noticed that my credit report with XXXX contains an erroneous address, which is negatively impacting my financial standing. As a responsible consumer, I understand the importance of accurate credit reporting and the significant role it plays in various aspects of my life, including obtaining credit, securing housing, and even employment opportunities. 

To rectify this issue, I followed prescribed procedure by submitting a written request along with a copy of my driver 's license, clearly indicating my correct address. Unfortunately, XXXX XXXX and equivalent each rejected my request without any valid justification, leaving my credit report with incorrect information. 

The refusal to correct my personal information violates several consumer protection laws, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers have the right to dispute and request the correction of inaccurate information on their credit reports. Credit reporting agencies, such as XXXX, are legally obligated to investigate and correct any errors promptly. 

2. Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA provides consumers with the right to obtain and dispute their credit reports. It requires credit reporting agencies to maintain accurate information and investigate disputed items within a reasonable timeframe.

3. Consumer Financial Protection Act ( CFPA ) : The CFPA empowers the Consumer Financial Protection Bureau ( CFPB ) to take appropriate action against financial institutions that engage in unfair, deceptive, or abusive practices, including inaccurate reporting of personal information. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter, investigate the actions of XXXX, and ensure that they comply with the aforementioned consumer protection laws. Additionally, I urge you to direct XXXX to correct my credit report promptly by updating my address to the accurate information provided. 


I appreciate your attention to this serious issue and request your prompt assistance in rectifying the inaccuracies on my credit report. I look forward to a favorable resolution and the restoration of my accurate personal information. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections of America Inc.
State: IA

Complaint narrative:
Repeat offender ( MCOA ) On XX/XX/2023. I filed a complaint against ( MCOA ) for their debt collection practices. The company responded closing out the complaint stating they " have made no additional attempts to contact the citizen. '' Please refer to complaint ID XXXX. Today XX/XX/2023 I received another correspondence from company. Refer to date on correspondence, I circled it. 

The company has assumed the consumer, natural person XXXX XXXX has an alleged obligation to the XXXX of XXXX for a consumer credit transaction that I the consumer am unaware of. I have never granted the XXXX of XXXX credit. I have never given the XXXX of XXXX my private information to create a consumer credit transaction in my name. I have not received any benefit from this consumer credit transaction for personal, family, or household services. 

The amount claimed to be owed keeps changing and when I ask for documentary evidence for this alleged obligation, both companies have failed to produce the documents demanded from them. Both companies have failed to verify the original creditor name and address. 
I also filed a complaint about the XXXX of XXXX. See Complaint filed. I have tried to resolve this matter but both companies are refusing to cooperate. It is a fact that MCOA and XXXX of XXXX are racketeering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is a notice requesting Capital One provide a privacy policy that complies with section 6803 of the Gram Leach Bliley Act, along with opt-out options consistent with 6802 of the same act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Recently I had disputed accounts on my credit reports. with CFPB and XXXX and Experian XXXX XXXX. The CRAs were not reporting correctly. The complaint number is XXXX with the CFPB. XXXX has resolved the account reporting problem, Experian and XXXX XXXX has not. The Company that I have the accounts with has notified me that they have removed all prior paying history with all the CRAs and updated correct information. I am not sure why XXXX XXXX and Experian has not updated the accounts and did the same. This is a violation of my fair credit reporting rights and is truly not fair.Hopefully CFPB can help me with this reporting issue listed on the complaint number listed, informing Experian and XXXX XXXX what has taken place.

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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I deposited a {$550.00} USPS money order XX/XX/XXXX at Bank of America. I asked the person that processed my deposit if there was going to be a hold and they said no money orders are not put on hold. The attached receipt does not state a hold. When I arrived home, I accessed my email and there was a notice that a hold had been placed on my deposit until XX/XX/XXXX. I accessed my BOA account, and it stated the funds would be available the next day. This morning the message in my account changed stating there is a hold until the XXXX. Everyone I talk to at BOA states money orders are not placed on hold. I called the XXXX GA branch ( XXXX ) XXXX and they transferred me to the holds department she said she would call me back in a couple of hours to make sure the issue was resolved, but my phone has not rung yet. I was transferred to the Hold Dept. ( XXXX ) XXXX. The employee I spoke with stated she tried to remove the hold but could not. The rep stated she was going to escalate the removal of the hold. I was then advised it could take 24-96 hours before the issue is resolved. I have been with BOA for 30 years and there have been no problems with my account. 

As I told the employee that advised me it could take 24-96 hours, I would charge BOA 29.50 % interest compounded daily until I am made whole.

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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am facing homelessness due to Chime closing my account. I have sent all documents they asked for and have not received any insight on my funds. Im getting put out Thursday morning which is tomorrow!! I received writ of procession today and have 24 hours to move my things. I dont have money to do anything!! Me and my kids are homeless in this Texas heat!! Mind you I grew up in XXXX XXXX so I have no family to help!! I have XXXX and XXXX in savings. They also held on to my work deposit my job had to cancel and send me a check!! This had turned my life upside down. Chime does not care about people!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase Freedom Unlimited credit card # XXXX XXXX XXXX XXXX Received card in the mail on XX/XX/XXXX, never ordered the card. Called the company to tell them and they cancelled it. 
Problem, because of Identity theft early in XXXX, I put a freeze on my S.S. number, still in effect today. 
So this company is handing out credit cards without checking or verifying the SS number. 
I can't help but wonder how many thousands of other folks this is happening to. They really need to be investigated! 
Thank you for your help, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief