vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Dear CPFB, I am writing to file a complaint regarding a serious issue with Capital One. XXXX was used to pay my state filing fees. However, my tax preparer entered the wrong bank account and this mistake was not discovered until I did not receive the scheduled deposit. As a result, the money was mistakenly deposited into an account at Capital One Bank, despite the fact that I have never banked with Capital One and my name is not on the account in question. I have contacted both XXXX XXXX XXXX XXXX XXXX and Capital One Bank in an attempt to rectify this error, but have been met with refusal and excuses. Capital One Bank refuses to return the money, claiming that they are unable to do so, while XXXX XXXX XXXX XXXX XXXX has stated that they are unable to rectify the situation. This has caused me significant financial loss and undue stress, as I rely on my tax refund to cover important expenses. I urge CPFB to investigate this matter thoroughly and take appropriate action to ensure that I receive the money that is rightfully mine. This mistake was not of my doing and I should not be made to suffer the consequences of the negligence of XXXX XXXX XXXX XXXX XXXX. I appreciate your prompt attention to this matter and look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous entries from my credit record. Can you review the paperwork? Certain accounts mentioned are incorrect in terms of reporting, with inaccuracies in amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Upon examine my credit report, I identified an unfamiliar account ( TSI XXXX ) I promptly contacted the creditor listed on my consumer report and sent a debt validation letter specific to this account. Regrettably, TSI has neglected to respond to my letter that was received on XX/XX/2024. They have failed to respond within the 30 days per the FCRA. Clearly this company lacks the substantial evidence required to link me to this alleged debt. This constitutes a breach of my rights, and it is imperative that this account be promptly removed. I have attached the documentation sent and the proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: PA

Complaint narrative:
I ask that you delete these inquiries. I am not acquainted with them, and the company proceeded without my approval.

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 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Throughout the history of this account, I've consistently made sure that payments are made on time, avoiding any instances of overdue payments. However, I find myself uncertain about the origins of reports indicating late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Respectfully, I ask for the removal of late payment remarks and an adjustment to reflect a positive status in accordance with the agreed-upon payment terms.

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 2024-03-28 00:00:00
Product: Credit 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: U.S. BANCORP
State: CA

Complaint narrative:
My wife and I got sick during our fly from XXXX XXXX to XXXX XXXX, XXXX. 
I asked, our taxi driver, to stop by in a pharmacy, on our way from Airport to the Resort on XX/XX/XXXX. I got XXXX XXXX XXXX  ) medications totaling XXXX  ( XXXX XXXX items ( Enclosure : ActionCertified # XXXX with price tags in XXXX ) and was wrongfully charged {$1900.00}. The receipt ( Enclosure : Pop ) was in XXXX pesos and I couldn convert them in to USD because my internet service was down. The pharmacist promised me the price is going to be around {$200.00} and I will get my itemized check by email shortly. I did not had any contacts for the XXXX XXXXXXXX XXXX, so I emailed to US Bank ( Enclosure : ActionEFaxes # AA ) and faxed them forms ( # A and # B ) to XXXX from the US Bank Branch in XXXX XXXX, as they required ( Enclosure : ActionEFaxes ). I sent the certified letter ( Enclosure : ActionCertified ) after talking to XXXX and XXXX, who told me, that they need more information on my dispute # XXXX. On XX/XX/XXXX, I spoke with XXXX, who was very rude to me, saying : contact the merchant and ask them to return your money! Looks like, if you got robbed, you have to catch your robber and kindly ask him to return the money, yes?

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX - XXXX Is showing a total of six late payments XXXX XXXX XXXX XXXX XXXX Is showing a total of 10 late payments XXXX XXXX XXXX  - XXXX Is showing a total of 2 late payments According to 15 USC 1681a ( 2 ) i ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; These three accounts that i have references all of late payments those are considered transactions and my experiences with said company making the report ( Experian ) These late payments/ Transactions/experiences need to be deleted from my credit report and need to be updated at Paid as agreed or Paid/Never Late

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 2024-03-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that I didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2024-03-29 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: 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 XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Kindly eliminate these inquiries. They were conducted without my knowledge or consent by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: TX

Complaint narrative:
To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately : 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 My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

YOU XXXX have aided this Fraud by not verifying these accounts.

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant 15 U.S. Code 1681c-2 Block of information resulting from identity theft.

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 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I tried to contact the company resolution department, they refused to assist without a formal complaint from the CFPB or in writing. Even though due to the credit unions, mis application of my payment, that caused a 30 day reporting on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
PHH Mortgage changed the amount that was due on my monthly mortgage without proper notification. They raised the monthly amount by approximately {$100.00} per month. I continued to pay the old amount because I was not aware of the change. I noticed my XXXX  score was reduced so I investigated the reason and found out that PHH put my mortgage in default. Apparently I paid approximately {$100.00} less than required because I didn't know there was a change in the monthly amount. 

I have not missed any payments in over 12 years of paying this mortgage and PHH put my mortgage in default after only two months because I was behind by approximately {$200.00} on two monthly payments of over {$2600.00}. I have paid the ( now ) {$300.00} that was underpaid but they have damaged my credit score and put my mortgage in default due to their predatory practice of poor notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX or XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: PA

Complaint narrative:
Could you please take out these inquiries? I wasn't informed about them, and the company proceeded without my authorization.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Items on my credit report are inaccurate and misleading information. Can you please take a look and update the incorrect 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 2024-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was contacted by Wells Fargo via mail in reference to # XXXX Accidental benefits I was aware of having been charged in XX/XX/2010. After responding no, they were supposed to reimburse me with {$4600.00} I was contacted by Wells Fargo via mail in reference to # XXXX " XXXX XXXX XXXX '' I was aware of having been charged in XX/XX/2010. After responding no, they were supposed to reimburse me with {$240.00} They said it would be between 15-45 days. It's now over 4 months since I contacted them in referance to that letter.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I started receiving hundreds of spam emails as though I had suddenly signed up for hundreds of mailing lists. Some in English, some not. Some companies I'd heard of like XXXX and XXXX XXXX, some not. I have a XXXX  account that was affected. I also got an email from Capital One that a card was opened. Then, this morning, I woke up to a notification from XXXX ( my bank ) of a hard inquiry to my credit. I called Capital One and they confirmed that an account was opened, they are investigating on their end.

Company response to consumer: Closed with explanation