vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I went to use my debit card and it said insufficient funds. Went home, looked at my account and XX/XX/XXXX there was a withdrawal of {$1400.00} which was not me. After speaking to a few people at capital one Monday afternoon, I find out that the money was taken out from a XXXX branch and I live in XXXX. Apparently, the woman swiped her drivers license. Her name is also XXXX XXXX but her license was issued in New Jersey and they gave her my money. The bank is aware of this. They have closed all my accounts. I cant get to any of my money. I called back on XX/XX/XXXX because I still dont see my money but I see a new account set up and I cant get into that one either. At this point, I am told its gon na take 3 to 5 days. Well, it already took five days and now theyre making me wait more. I am a senior citizen and I need my money. I would appreciate any help that you can give me. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
The credit card company sold the debt to multiple debt collectors. Now my wages is being garnished by two debt collector for the same debt. Other debts collectors continues to call me to call the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
There numbers of account which is not belong to me. I have reported numbers of time to credit companies. 

They don't provide me any investigation report regarding the issue or eaither remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I experienced identity theft. Someone used my information to open credit account with XXXX XXXX. I filed three ( 3 ) depute with XXXX XXXX. I have done all that they have asked of me during their investigation/process. 

Each times, all they have done is sent me something that said that I benefit from the account. 

How is it possible for me to benefit from an account that I never open or even know the person that used my identity to retained this account?!

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 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & T bank discounted the incorrect transaction on my account and when I notified them about XXXX they filed a diphtheria with the correspondence and denied my dispute and ultimately put my account in the negative. I tried filing the dispute again and they denied the dispute again saying that my only option is to pay back the disputed amount.

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 2024-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
SPS Committed fraud by not pulling automatic mortgage payments which then made them : 1 ) Reporting inaccurate balance.

2 ) Reporting false credit information such as past due when they are at fault for not pulling automatic payments.

3 ) Did not send any correspondence to account holders regarding their non processing of payments.

4 ) Reporting false claims of past due payments and incorrect number of same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a complaint on XX/XX/year> ( Complaint # XXXX ). The company has not addressed nor resolved the issue and the allotted time frame of 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights.

15 U.S.C 1681 section 602 A.Clearly states that I have the right to privacy.

15 U.S.C 1661 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 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under 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 2024-07-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A.Clearly states that I have the right to privacy.

15 U.S.C 1661 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 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under 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 2024-07-23 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: MD

Complaint narrative:
This account was closed by the creditor on XX/XX/XXXX. My total balance due by XX/XX/XXXX was {$520.00}. On XX/XX/XXXX, I paid the balance in full, which left my account at {$0.00}. After the account was paid in full, XXXX proceeded to apply interest charges and late fees. In XX/XX/XXXX, XXXX reported that the account was late to the credit bureaus. I contacted XXXX to inquire about the charges, which were reversed and corrected due to the account being paid in full. However, no changes were made to the credit bureaus. I completed a dispute with all 3 bureaus in XXXX, which all were corrected with the exception of XXXX, which not only reported I was late in XXXX but reported I was also late in XXXX. I contacted XXXX on XXXX and learned that my account had a credit for overpayment in the amount of {$2.00}. I was told I must email the credit reporting department with the error. I emailed the credit reporting department to be advised a refund was being sent, but a " good will adjustment '' could not be made on my account. Please refer to CFB case XXXX, stating the company contacted the credit bureau to remove the delinquency. However, report was made on XX/XX/XXXX to TransUnion with the payment status updated to 30 days past due and on XXXX/XXXX/XXXX to XXXX. There should be no reporting after XX/XX/XXXX. The company keeps stating they are doing a courtesy adjustment when the error was on their end. I paid the full balance well before the due date.

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 2024-07-23 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: MD

Complaint narrative:
This account was closed by the creditor on XX/XX/XXXX. My total balance due by XX/XX/XXXX was {$520.00}. On XX/XX/XXXX, I paid the balance in full, which left my account at {$0.00}. After the account was paid in full, XXXX proceeded to apply interest charges and late fees. In XX/XX/XXXX, XXXX reported that the account was late to the credit bureaus. I contacted XXXX to inquire about the charges, which were reversed and corrected due to the account being paid in full. However, no changes were made to the credit bureaus. I completed a dispute with all 3 bureaus in XXXX, which all were corrected with the exception of XXXX, which not only reported I was late in XXXX but reported I was also late in XXXX. I contacted XXXX on XXXX and learned that my account had a credit for overpayment in the amount of {$2.00}. I was told I must email the credit reporting department with the error. I emailed the credit reporting department to be advised a refund was being sent, but a " good will adjustment '' could not be made on my account. Please refer to CFB case XXXX, stating the company contacted the credit bureau to remove the delinquency. However, report was made on XX/XX/XXXX to XXXX with the payment status updated to 30 days past due and on XXXX/XXXX/XXXX to Equifax. There should be no reporting after XX/XX/XXXX. The company keeps stating they are doing a courtesy adjustment when the error was on their end. I paid the full balance well before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Demand to Cease and Desist Collection ActivitiesPrior to Validation of Purported Debt XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I would like to request the suppression/ Delete of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of 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 XXXXXX/XX/XXXX ; XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER ; ORIGINAL CREDITOR : XXXX  This constitutes legal notice under federal law that regulates the activities of collectionagencies and their representatives.You are hereby notified, under provisions of Public Law 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and allattempts to collect the above debt.Pursuant to the Fair Debt Collection Practices Act.

15 U.S.C.A 1601.1692 et al.

thisconstitutes timely written notice that, I decline to pay the attached erroneous purported debt whichis unsigned and unattested, and which I discharge and cancel in its entirety, without dishonor, onthe grounds of false representation and fraud. No judgment has been entered on this matter.15 U.S.C . 1692 ( e ) states that a " false, deceptive, and misleading representation, inconnection with the collection of any debt, '' includes the false representation of the character or legal status of any debt. I have incurred no liability for this debt.Said Notice contains, false, deceptive and misleading representations, and allegationsintended to pervert the truth for the purpose of inducing me, in reliance upon such, to part with property belonging to me and to surrender certain substantive legal and constitutional rights. Toact upon this Notice would divest me of my property and my prerogative rights, resulting in alegal injury to me.Pursuant to 15 U.S.C. 1692g ( 4 ), Validation of Debts, if you have evidence to validateyour claim that the attached presentment does not constitute fraudulent misrepresentation and thatI owe this alleged disputed debt, this is a demand that, within 30 days, you provide such validationand supporting evidence to substantiate your claim. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I'm a XXXX Veteran and a XXXX American and I received this email below from my bank ( Capital One ) after I made this deposit into my bank account .... This is a Federal Government check and I believe this type of service and response is despicable from a bank that receives a XXXX Federal Government Check! They literally told me I would have to wait 60 days?! My bills won't wait that long!!! ... ... ... ... ...... 


XXXX, After reviewing your check deposit activity on XX/XX/2024, for your account ending in XXXX, the availability of {$87000.00} has been delayed until XX/XX/2024. 

Based on confidential information we believe that XXXX or more of the check deposits may not be paid. 

You don't need to take any action. If the funds don't return, they'll automatically become available on XX/XX/2024. 

Here are a few other important things to know : Any interest, if applicable, will accrue normally starting the first business day after a delayed deposit posts. 
If you transferred any money or directed us to divide money between the account listed above and other Capital One accounts, we XXXX place a hold on the money in those accounts associated with this transaction activity. 
You'll be refunded any interest or fees that we XXXX have charged you due to this delay. 


If you have any questions, give us a call at XXXX, XXXX XXXX XXXX XXXX. and Saturday XXXX XXXXXXXX XXXX XXXXXXXX. We'll be happy to help you. 

Thanks for choosing Capital One Products and services are offered by Capital One , N.A., Member FDIC. 2024 Capital One. 



The information contained in this e-mail may be confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer. 




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Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple requests to investigate the inaccuracies in these accounts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-23 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: OH

Complaint narrative:
I am a victim of identity theft there are inaccuracies on my credit report and they were unauthorized. I had fraud alert on my credit profile the credit agencies failed to contact me via phone to VERIFY information or applications.

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 2024-07-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of identity theft there are inaccuracies on my credit report and they were unauthorized. I had fraud alert on my credit profile the credit agencies failed to contact me via phone to VERIFY information or applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX ACCOUNT # XXXX In accordance with the Fair Credit Reporting Act this creditor 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. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b. Also 18 US code 8 states that the obligation of this day is already paid for by the United States.

12 CFR PART 1026.11 ( a ) CREDIT BALANCES. when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise two or held for the benefits of the consumer ), the creditor shall : 1. Credit the amount of the credit balance to the consumers account.

2. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer.

3. make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number. Please refund the available balance on the account please.

This creditor is in violation of 15 US code 1692J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.

Company response to consumer: Closed with non-monetary relief