vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In XXXX  the bank closed my bank account and held an amount of {$21000.00} that the bank supposedly returned to the SBA/Department of Treasury for a distributed SBA loan XXXX XXXX. To date, the SBA has been looking for this money to be paid back by me with interest ; SBA claims that the money was never returned to them and that Capital One took the money, and no one knows what the bank did with this money ; it is obviously a fraud if the bank still has the money when they claimed they returned it to the SBA. In my eyes, someone at Capital one took my money and claimed that they paid it back to SBA. This a theft and the money should be returned to me or SBA with accrued interest. I had contacted the SBA to get a clarification of why they are asking for the money to be paid back when Capital One supposedly returned it to them. I was told that the SBA had yet to receive the money. I asked the bank to provide me with a letter clarifying where the money went/was sent to or verifying that it was sent back to the SBA. For your reference, I have attached a screenshot of the SBA loan statement showing the outstanding balance, and the recent letter from Capital One dated XXXX XXXX, XXXX that claimed that Capital One is still in the progress of retuning the mosey to the SBA ; their process has been taking nearly two years without resolution. I appreciate your prompt attention and assistance in this matter. I look forward to hearing from you at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
Two attempts were made. 
1. Contacted via phone asking for Address, DOB, and Social Security number, I refused to provide information. 
2. Received following text message on my phone : " Customize your payments to fit your life with ease. Get ahead with our flexible payment plan : $ Monthly : {$90.00} 2 Duration : 27 months Ready to start? Visit springoaks.XXXX XXXXXXXX. Questions? Reply or call us at XXXX during business hours. 
This message is from Spring Oaks Capital , LLC and is related to your account, originated by XXXX XXXX XXXX, now owned by Spring Oaks Capital SPV , LLC. 
We are a debt collector. Click here for important disclosures https : // portal.sprinqoaks.com/disclosures/ XXXX. Reply STOP to opt out. '' It was originated from the number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: CO

Complaint narrative:
Due to financial hardship there was a flood in my home thus resulting in late on my XXXX payment which was made on XXXX second. I made XXXX payment on XX/XX/24 which is the last date before the account is considered late for XXXX. I received notification from TransUnion that my account was 30 days delinquent which is incorrect it was current as of XX/XX/24 and the following payment for XXXX was received less than 13 days later. I respectfully request my credit report be amended to current as all payments were received. I called XXXXXXXX XXXX on XX/XX/24 to address the incorrect reporting on my credit report and XXXX the representative would not listen to me or address my concerns. I asked to speak with a supervisor was told she would transfer me and instead they kept me on hold and then hung up the call. Which I encourage them to pull the call as all calls are recorded for quality assurance and monitoring. The representative was very rude and unprofessional and didnt address my concerns or create a ticket to address my concerns. This resulting in needing to file a complaint. This XXXX payment will hinder my progress with closing/selling my home in the next three weeks thus resulting in impending homelessness.

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 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I am writing to complaint about the contact process at Barclays ( Barclays Bank Delaware XXXXXXXX XXXX XXXX XXXXXXXX DE XXXX ). 

I received a letter regarding a fraudulent attempt to open an RCI Elite Rewards Credit Card ( Application XXXX ) dated XXXX. The letter correctly states that my XXXX credit report is frozen. 

There is contact information about this from Barclays consisting of a mailing po box and a phone number. There is no easy way for me to contact the organization via email so that I have a record of correspondence ( they, on the other hand, record calls so they have a record ). 

It is not unreasonable for consumers to expect an email address to contact the company. Expecting consumers who are victims of identity theft to mail letter, sit on hold with a call center, and have no easy way to record their communication isn't reasonable.

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 2024-02-17 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: MN

Complaint narrative:
This credit company mailed me a letter after the dispute stating that they would delete this inaccurate collection : XXXX XXXX # XXXX on XX/XX/2023 from my credit report, yet it is still on there. Ive reached out to them several different times to get this extremely damaging inaccurate collection off of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: Grain Technology, Inc.
State: TX

Complaint narrative:
I recently reviewed my consumer report and I noticed that there were XXXX late payments and XXXX late payments with Grain Technology Inc., and XXXX late payments with XXXX XXXX XXXX XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in XXXX XXXX XXXX ( XXXX  ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with Grain Technology Inc. for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and also XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please look below view attached proof of the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your Promptness attention to this dispute these late payments and look forward to a resolution in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: PA

Complaint narrative:
My credit reports are still showing a late payment for my XXXX XXXX XXXX XXXX, Acct # XXXX for the Month of XX/XX/2022. This is an error. I was never late! I am also disputing the fact that multiple items on my report is factually inaccurate across all three credit bureaus. For example : The Date Opened is not consistent across all bureaus. The High Credit is not consistent across all bureaus. The Credit Limit is not accurate across all bureaus. The Last Reported is not consistent across all bureaus. The Date Last Active is not consistent across all bureaus and finally the Date of Last Payment is not consistent across all bureaus. 
My rights according to the FCRA and 15 U.S.C Code 1681e is that all reported data in my credit file is to be 100 % accurate and verified. How can this much information be inconsistent when supposedly being reported by the same data furnisher?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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:
My credit reports are still showing a late payment for my XXXX XXXX XXXX XXXX, Acct # XXXX for the Month of XX/XX/2022. This is an error. I was never late! I am also disputing the fact that multiple items on my report is factually inaccurate across all three credit bureaus. For example : The Date Opened is not consistent across all bureaus. The High Credit is not consistent across all bureaus. The Credit Limit is not accurate across all bureaus. The Last Reported is not consistent across all bureaus. The Date Last Active is not consistent across all bureaus and finally the Date of Last Payment is not consistent across all bureaus. 
My rights according to the FCRA and 15 U.S.C Code 1681e is that all reported data in my credit file is to be 100 % accurate and verified. How can this much information be inconsistent when supposedly being reported by the same data furnisher?

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 2024-02-17 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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.

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 2024-02-17 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: GA

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding inaccurate information reported on my credit report. The incorrect information has significantly impacted my ability to access credit and has caused undue financial distress. 
The credit bureau reported that the balanced on the Account for XXXX increased. This caused my credit score to drop significantly because it appeared like I missed payments on this account. I have applied for several credit increases and was denied despite the fact that I still maintain a credit score over XXXX. The account makes it appear that I have a high balance in relation to the credit line. 
Ive sent Transunion a letter to dispute the information and received a response that the account had been verified. 
I have included my correspondences from XXXX, TRANSUNION, XXXX and XXXX XXXX that are related to this issue. You can contact me at my email address for further communication regarding the complaint. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will investigate this complaint thoroughly and take appropriate action to resolve the issue.

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 2024-02-17 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 have not been able to satisfactorily have this matter resolved. I am being reported as being late on my XXXX XXXX XXXX account XXXX XXXX on the dates XX/XX/2022 and XXXX XXXX XXXX. These are errors as I was never late! Along with this I have discovered other inconsistencies on my credit reports. For example the Date Opened and the Date Last Active are completely different on the accounts. How can that be? I do understand my rights according to the FCRA and 15 U.S.C 1681e - Compliance Procedures- that at a very least all information reporting on my consumer report has to be 100 % accurate, verified and consistent. It is not. I have attached documentation.

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 2024-02-17 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: MA

Complaint narrative:
Subject : Formal Complaint Against TransUnion - Violation of Consumer Rights Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XX/XX/2024 Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, a major credit reporting agency, for egregious violations of federal consumer protection laws. My case highlights a severe breach of the Fair Credit Reporting Act ( FCRA ), necessitating your urgent attention and intervention. 

Despite my persistent efforts to dispute fraudulent accounts on my credit report, TransUnion has failed to uphold its statutory obligations under the FCRA. Specifically, my attempts to exercise my rights pursuant to 15 U.S. Code 1681c-2, which mandates the blocking of information resulting from identity theft within 4 business days, have been met with non-compliance from TransUnion.

Furthermore, my disputes concerning the fraudulent accounts have gone unanswered, contravening the provisions of 15 U.S. Code 1681i. This section requires credit reporting agencies to conduct a reasonable reinvestigation upon receipt of a consumer dispute. TransUnion 's lack of response not only dismisses my consumer rights but also undermines the credibility of the credit reporting system. 

I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes necessary actions to ensure TransUnion 's compliance with federal laws. I firmly believe that my case serves as a critical example highlighting the pressing need for robust oversight and enforcement to protect consumers from the adverse impacts of identity theft and credit reporting inaccuracies. 

Thank you for your prompt attention to this matter, and I trust that the Consumer Financial Protection Bureau will address this complaint with the urgency and effectiveness it deserves. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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 have not been able to satisfactorily settle this matter with the CRAs. I have a late payment on my XXXX XXXX XXXX XXXX. I have never been late. This is an error. The account number is XXXX and the date is XXXX XXXX XXXX This is not the only error on my account either. There is inconsistencies throughout my report. For example : The Date Opened is inconsistent across all 3 bureaus. The High Credit is inconsistent across all 3 bureaus. The Last Reported is inconsistent across all 3 bureaus. The Date Last Active is inconsistent across all 3 bureaus. Finally, the Date of Last Payment is inconsistent across all 3 bureaus. I have provided documentation of this. 
My rights according the the FCRA and 15 U.S.C Code 1681e -Compliance Procedures- is to at a very least have 100 % accurate and consistent reporting to my consumer file.

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 2024-02-17 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: GA

Complaint narrative:
The company named Current fraudulantly opened a credit card in my name on or about XX/XX/XXXX without checking the credit bureau and I was notified by my identity monitoring service named XXXX XXXX on XX/XX/XXXX by email where I immediately utilized XXXX XXXX to contact the company named Current to close that fraudulent account. I also notified the XXXX Police Department and FTC about the theft. The company named XXXX responded that they did not need to check the credit bureau before opening that fraudulent credit card account. The problem with that is that I have a security alert and credit freeze on all my credit bureau accounts. The fraudulent account is located on Transunion. The company named XXXX spoke with XXXX XXXX and me and confirmed that they would close the account. They also emailed that they would close the account and that they did not have to contact the credit bureau to open a credit card account in my name. If they did check my credit reports they would see the security alert to contact my cell and not issue any credit card. That did not happen and this fraud was executed against my identity wrongfully. I contacted the Transunion and disputed it. It was appalling to see that Transunion wrongfully said that the fraudulent information on my credit report as reported by XXXX was accurate. I complained to Transunion on Live Chat and they said to re-dispute. What XXXX did in opening a credit card in my name without checking the credit bureau was criminal and I did report it to the XXXX Police and the FTC. XXXX said they were not required to check my credit report. THE PROBLEM WITH THIS IS THAT I HAVE A CREDIT FREEZE ON ALL THREE BUREAUS and Transunion has not honored my credit freeze and security alert. THIS WAS WRONG FOR tRANSUNION TO STATE SOMETHING ILLEGALLY OBTAINED BY THE COMPANY NAMED " Current '' t AGAINST MY NAME WAS ACCURATE. It was never accurate. It was theft of my identity to fraudulently open a credit card by unknown persons. They are wrongfully approving as accurate an account initiated in Fraud by XXXX without my approval. I am an identity theft victim and still have the 7-year credit freeze before this. It is active. Transunion knew better but decided to do wrong also. Please correct this

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 2024-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/2024 NCB Management Services XXXX XXXX XXXX, XXXX, PA XXXX Re : Complaint against NCB Management Services for Violating Rights under 12CFR1006.34 ( b ) ( 5 ), 12CFR1006.34 ( c ) ( 4 ) ( I ), 12CFR1006.34 ( d ), and 15USC1681-S2 ( 7 ) ( A ), Dear NCB Management Services, I am writing to file a formal complaint against NCB Management Services for alleged violations of my rights as outlined in the Consumer Financial Protection Bureau regulations , specifically 12CFR1006.34 ( b ) ( 5 ), 12CFR1006.34 ( c ) ( 4 ) ( I ), 12CFR1006.34 ( d ), and 15USC1681-S2 ( 7 ) ( A ) .I dispute any and all debt owed to NCB Management Services and request the validation of the debt as well as the purchase agreement between NCB Management Services and the original creditor. Additionally, I am exercising my right to revoke all forms of communication, including email, text, and phone calls. Furthermore, I am requesting NCB Management Services to refrain from reporting and /or furnishing any information related to this disputed debt to consumer reporting agencies. To ensure compliance with applicable laws, I am also requesting proof that NCB Management Services is duly licensed and bonded to engage in debt collection activities. Please investigate these matters promptly and take appropriate actions to address the alleged violations. I appreciate your attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation