vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have called them trying to resolved my issue but they gave me little to no help. These missed payments from both accounts I have with capitol one is stopping me from securing a home for me and my children. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 
Capitol One XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My report may not include all of the information that could be relevant to my creditworthiness. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: PA

Complaint narrative:
An old debt with an electric company was paid off in XXXXXXXX XXXX, the total amount to pay provided by XXXX XXXX XXXX XXXX when refinancing my home. The amount was incorrect, leaving a XXXX balance. I was NEVER notified of this remaining amount. All the while it was being reported to the credit bureaus as delinquent for XXXX  months. I just happened to notice when checking my credit report. Not only has my credit score dropped nearly 100 points, I have been denied for credit cards and loans. I filed a complaint with the XXXX  and the company response was the amount was " under the threshold '' of reporting to the consumer but they were reporting to the credit bureaus? Makes no sense. The companys suggested resolution was to remove the item from my credit report which is not sufficient. Compensation for my time and loss of being able to obtain a loan/credit cards with a reasonable interest rate is warranted. As well as the company retro actively report to the credit bureaus for the last XXXX  months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. 
XXXX XXXX XXXX XXXX : Status Collection account. {$1900.00} past due as of XX/XX/XXXX ( THIS IS NOT MY DEBT ) XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX XXXX  account. {$1800.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Payment summary not showing XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX XXXX  account. {$1200.00} past due as of XXXX XXXX CXXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX account. {$620.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX account. {$260.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
We sold a house on Friday XX/XX/XXXX. We filed all the paperwork according to what Carrington sent us. We did close one day late past the original close out settlement but was told to pay the {$12.00}. and some od cent charge to cover this and we would be good. Out attorney did all the paperwork to reflect this and money was wired and taken care of. Monday the XXXX rolled around and they kicked it back and told us it was not the correct amount and told us we had another XXXX on there we have to pay and now we are disputing the charges but because change of ownership has happen we are forced to pay the additional fees to complete the title transfer. We were not told about any additional charges and when we spoke to a rep from Carrington on the 3rd they indicated the charge would be fine.

Spent over 3 hours today talking to reps and all telling me different stories and no one wanting to help resolve this besides pay the additional fees. We don't mind paying the extra couple of days interest but almost XXXX worth fees is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: IL

Complaint narrative:
XXXX, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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 2023-04-11 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: OH

Complaint narrative:
I have attempted to handle this with Equifax several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND send me DOCUMENTS with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. 1. XXXX XXXX  # XXXX 2. XXXX XXXX  # XXXX 3. XXXX # XXXX 4. XXXX # XXXX 5. XXXX # XXXX 6. XXXX  # XXXX 7. XXXX  # XXXX 8. XXXX XXXX # XXXX 9. XXXX XXXX  # XXXX 10. XXXX XXXX  # XXXX 11. XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was charged XXXX in XXXX without my authorization. I was buying a drink and it was declined, I checked my account and saw that there was a charge of XXXX to the day before. I was able to send a fraud report on the 7th but Navy Federal Deemed it as valid transaction because chip was used but I never used the card for this amount. I spoke to a supervisor and she was condescending, manipulative, she made feel like I should okay about the situation and make it seem that this is my fault, there is nothing they can do. I am a full time father and this is my mortgage money. She kept asking what I bought that night at mid night, she kept leading me to a conclusion and everything I said she used it to make it seem like its my fault or that is the reason of the fraud. They deemed it as a valid fraud due to can not determine the merchant and determine if its fraud or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: MD

Complaint narrative:
I used to have a store card with XXXX 's that was turned over to a company called XXXX XXXX a collection agency. That account with XXXX XXXX XXXX, was sold to an Attorney 's office called XXXX, XXXX, & XXXX on Maryland. I paid of the balance owed to XXXX XXXX and have furnished the payoff to Equifax. Equifax continues to report the XXXX XXXX account as derogatory on my credit report and continues to reflect a credit score ( Equifax 616 ), way below the other two credit reporting agencies ( XXXX 717 ), and XXXX ( 654 ). I filed a complaint in XX/XX/XXXX, furnishing them with the final payoff letter with XXXX, XXXX, and XXXX. After their investigation they still refused to take the XXXX XXXX account off my credit report. I approached the XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX furnishing them with all the documentation. The XXXX XXXX XXXX closed my file without getting to the bottom of the matter in XX/XX/XXXX. Today XX/XX/XXXX I refiled with the XXXX XXXX XXXX XXXX XXXX with the additional documentation of the final payoff letter from XXXX XXXX. The XXXX XXXX XXXX swiftly responded stating that I was filing a duplicate complaint, and closed my file again. Today 's complaint number with XXXX XXXX was XXXX. I have tried to upload the new letter on the Equifax website and I am unable to. I feel I am just running around in circles about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$1900.00} Open balance XXXX XXXX Original creditor Your company have violated

FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$1900.00} Open balance XXXX XXXX Original creditor I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, But bureau reported that I have many addresses like XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, 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 2023-04-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America is denying consumers the right to dispute charges and also denied consumer the right to view and inspection merchant information and internal records used to make a decision to deny my claim in amount of {$420.00}. 

On or around XX/XX/2022, I tried to purchase a bathroom vanity from XXXX it was delivered damaged. The outer packages was severely damages and I did not accept said package into my home. 

My telephone records show I immediately on XX/XX/2022, reached to XXXX spent hours of the telephone and explained the problem and asked that they come pick up the damaged item that box was left unopen in front of the home. 

XXXX refused to pick up the item. I am a senior with XXXX could not lift said box and the package remained. According to XXXX there were no replacement for said item it was sold out. I requested the reasonable accommodation under XXXXXXXX XXXX XXXX XXXXXXXX act that XXXX not send out damages items and make it a requirement and person with XXXX responsibilities to get large item back to a store. 

After I could not get resolution with XXXX I contacted BOA and explained several times over a telephone item was sent damaged I refused to take receipt of said item. BOA waited any additional 60 days then claimed documentation stating what you were supposed to received and how it was different from what you received when I stated from the start of my claim/complaint with I did not take receipt. 

BOA is engaging in a deceptive business practice of keep the charges on the account to make monies off high balance and high interest fees. BOA is trying to force a consumer to take receipt and responsibility of damage items in order to make profit I am asking the CFPB to investing this deceptive business practice enact or enforce laws that required BOA any/all credit companies to turn over all records relating to disputes and grant consumers the right to dispute any in accurate information. I asking CFPB enact or enforce laws that companies or responsible to resolve complaints in a timely manner.

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 monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
I have received numerous letters stating I opened different bank and credit card accounts. 
I believe someone has stolen all my impersonal information.

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 2023-04-11 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have recently viewed my credit report with Experian Credit reporting agency. There is one item from XXXX, which is not clear and inaccurate. It is listed as a loan from public education, but no payment or closing information is listed. It shows as open, with a balance, but nothing else. 
I have requested from Experian twice to investigate this entry. Both occasions the results came back as completed, but no information was changed. I am not sure what Experian is doing as investigation, or to remedy this entry 's correction. I suspect, I am only receiving an automated reply only, but no action was taken. 
I have attended an XXXX program in XXXX XXXX in Virginia and in Washington XXXX. I have graduated at XXXX XXXX XXXX XXXX in XXXX. I have my XXXX XXXX ever since. The College has not requested, nor notified me, about any outstanding payments or loan amount. To my knowledge, all dues were paid, which allowed my to graduate. I have not heard about this subject ever since. Nobody ever approached me, nor requested anything from me, about this balance listed on my credit report. Since this entry is dated in XXXX, I do not have any more recollection or documentation. 
The credit report shows the following info on my account : ( I also attached the page as a file to this request ) Account info Account nameU S DEPT OF ED Account XXXX Account typeEducation Responsibility Individual Date XXXX StatusOpen/Never late. Deferred, payments begin XX/XX/XXXX. 
Status updatedXXXX XXXXXXXX Balance {$2200.00} Balance updatedXXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1500.00} Highest balance {$0.00} Terms NA Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met

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