vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was a victim of fraud and Capital One Fraud department charged back fraudulent charges while ignoring my request to send proof that they had deemed my or an authorized user responsible for these charges ( I had no authorized users to be clear ). Additionally, the declined to re-open my investigation. When asked if it was the policy or Capital One to see their users as legally responsible for fraudulent charges, they skirted around this saying, Well, our investigator closed the case. In my request for the name or employee number of the investigator, I was not given any requested information ( again ). Several times I requested another supervisor and was denied. Now, I have a payment due for charges I never made and have to ding my perfect credit or pay balances Im not responsible for. I will be filing a complaint with the CFPB, FTC, and any further legal action necessary. DO NOT OPEN AN ACCOUNT WITH THESE CRIMINALS! The woman I spoke with was XXXX, empl # : XXXX. 

The end result was nobody wanted to provide merchants, delivery information, who was responsible for the decisions made, refusal to re-open investigation and many other failures to supply consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
During several months in XXXX, I have contacted the credit reporting agencies with various inaccuracies on my credit file. The agencies have not resolved the errors at all and just list erroneous comments that should all be removed. 
. 
In accordance with the fair credit reporting act the following companies have violated my rights by listing multiple inaccuracies on my credit file : XXXX XXXX XXXX XXXX ( account # XXXX ) - Is listed on my credit without my consent. Service was never rendered and equipment returned. The status and comments are inaccurate and should be removed. 
XXXX XXXX ( account # XXXX ) - The status is not derogatory and comments are inaccurate and should be removed. This account was sold to another lender. 
XXXX ( account # XXXX ) - The open account dates are inaccurate. The account was closed. The status and comments are inaccurate and should be removed. 
XXXX XXXX ( account # XXXX ) The status and comments are inaccurate and should be removed. The car was returned and no balance is due. This finance company is involved in predatory practices and engages in constant harrassment. I was listed as a cosigner without my knowledge. 
XXXXXXXX XXXX ( account # XXXX ) - The status and comments are inaccurate and should be removed. This XXXX XXXX has another name listed on the account. This financial institution engages in constant harrassment tactics. 
. 
XXXXne or more of the following FCRA laws have been violated : >> 15 USC 1681 section 602-A states that I have the right to privacy.

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>> 15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent.

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>> 15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies.

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>> XXXX XXXX address should be listed on my credit file : XXXX XXXX XXXX XXXX XXXX, IL XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ).

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 2023-10-12 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: CA

Complaint narrative:
-XXXX, Equifax & XXXX is violating my federally protected consumer rights.-XXXX, Equifax & XXXX is furnishing a consumer report that claims I have 2 separate accounts from XXXX XXXX XXXX , opened XX/XX/XXXX and XX/XX/XXXX. Neither of these are reporting any sort of account number whatsoever, yet they are showing up as negative information on my consumer report and are severely harming my personal reputation. These reports are inaccurate and are not in accordance with 15 USC 1681e ( b ), which clarifies that maximum reporting accuracy is imperative. These accounts do not exist without valid account numbers. They need to be removed from my consumer report. 
-Also, XXXX , Equifax & XXXX never provided a clear and conspicuous opt out form in accordance with 12 C.F.R. 1016.7a.-If they continue to furnish this information after I am now clearly opting out and revoking my consent for this information to be furnished, this report will now also be a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates.

-Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) .-XXXX, Equifax & XXXX is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a ) ( 5 ), they are not allowed to post this information.-It is clear that XXXX, Equifax & XXXX has violated many of my federally protected rights by furnishing this information on my consumer report. 
-According to 15 U.S.C 1681n ( a ) ( 1 ), XXXX , Equifax & XXXX is liable to compensate me {$1000.00} per violation, totaling several XXXX dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system. 
XXXX, EQUIFAX & XXXX MUST IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
-Experian, XXXX XXXX XXXX is violating my federally protected consumer rights.-Experian, XXXX & XXXX is furnishing a consumer report that claims I have 2 separate accounts from Bank of XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Neither of these are reporting any sort of account number whatsoever, yet they are showing up as negative information on my consumer report and are severely harming my personal reputation. These reports are inaccurate and are not in accordance with 15 USC 1681e ( b ), which clarifies that maximum reporting accuracy is imperative. These accounts do not exist without valid account numbers. They need to be removed from my consumer report. 
XXXX, Experian XXXX XXXX XXXX XXXX never provided a clear and conspicuous opt out form in accordance with 12 C.F.R. 1016.7a.-If they continue to furnish this information after I am now clearly opting out and revoking my consent for this information to be furnished, this report will now also be a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates.

-Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) .-Experian, XXXX & XXXX is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a ) ( 5 ), they are not allowed to post this information.-It is clear that Experian, XXXX & XXXX has violated many of my federally protected rights by furnishing this information on my consumer report. 
-According to 15 U.S.C 1681n ( a ) ( 1 ), Experian XXXX XXXX XXXX XXXX XXXX liable to compensate me {$1000.00} per violation, totaling several XXXX dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system. 
EXPERIAN, XXXX XXXX XXXX MUST IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2023 I contacted capital one in regards to a settlement I was not aware of. When I asked when was the email sent, the associate provided date of delivery of XXXX XXXX. Upon shuffling through my emails, I explained I did not receive an email. The associate then stated to check my spam account, I checked there as well and no emails from capital one were found regarding the data breach class action lawsuit. I then asked how can I continue or go about submitting a claim since I was not properly notified by capital one and was told this was closed as of last year and was nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
I have a collection account negatively affecting my XXXX Credit Report, this account was paid by my Insurance, and I have a copy of the claim paid to my Insurance I already talked to the original Creditor and they recognized that the account was paid in full, The Credit Bureau made an investigation and the Collection Company reported this account as Accurate I need to remove it, please help me, I have a proof that this claim was paid

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 2023-10-12 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: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
Synchrony Bank has NOT been willing to help us in supplying us with the Information that we requested ie A. When was the Pay Pal Card issued? As we have never had a PayPal Card B. When and where were the purchases made! 
C. Why even though we give the supposed account number, do we need to give our Personal information ie Social Security number, Home address etc D. After researching I have discovered that Synchrony Bank has had some major legal issues with underhanded debt collection in 2021 The Debt amount is according to the synchrony Bank is {$820.00} They have not responded to our inquiries regarding this debt

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 2023-10-12 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: GA

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( US DEPARTMENT OF EDU XX/XX/2023 ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: MD

Complaint narrative:
I am writing to dispute the presence of unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these inquiries from my credit report as they are impacting my creditworthiness. 

To assist you in your investigation, here are the inquiries that I am referring to : -- TRANSUNION -- XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -- XXXX -- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
In XX/XX/2022 I filed for a forebearance while I was on XXXX XXXX XXXXXXXX. I then in XXXX applied for a loan modification and was accepted to have a partial claim. However, I have two out of state coborrowers ( my parents ) and have been sent the loan modification documents multiple times which has led to multiple documents being rejected or no accepted with no explanation. I even flew to Wyoming where the coborrowers reside to notorize these documents in person. These documents were also not accepted with no explanation. Since XXXX I have been paying my mortgage but those payments have been put into a suspense account. I have recently been sent these documents and they have not been accepted again! I can not get an agent who knows why. I have been placed on hold for hours and I have been given the run around while my mortgage has been in limbo for almost a year! I can not refinance or do anything with out this loan modification being complete. My father is a XXXX veteran who is not allowed to travel to sign these papers where I reside in Arizona. I am running out of options and have had multiple housing counselors try to get to the bottom of this issue but the third party authorizations need to be a wet signature so they arent able to get far. I just want to continue making my mortgage payments and never have to worry about if im going to get foreclosed on. This company is not helpful or knowledgeable and customer service is non existent. Their website is horrendous and confusing and Im doing my part by continuing to get these documents notarized and having my XXXX XXXXXXXX parents get these documents notarized as well. It is very frustrating that I can not get my loan in good standing when I am still making my monthly payments on time.

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 2023-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/2023 I had realized my credit limit had be unilaterally reduced from {$6000.00} to {$900.00}. Which is a substantial injury to me by interrupting commerce and causing a harm to my livelihood as I am the original creditor to this agreement as my consumer credit was utilized and extended to open this account. 
In accordance with the FDIC Laws and Regulations, I assert there has been a Violation of TILA, FCRA, ECOA, CCPA.

- Violation 15 USC 1637 ( I ) ( 2 ) In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a written notice of any significant change, as determined by rule of the Bureau, between the creditor and the obligor, not later than 45 days prior to the effective date of the change.

- Violation 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA An act or practice is unfair when it causes or likely to cause substantial injury to a consumer which can not be reasonably avoided - 15 USC 1681 ( D ) ( 6 ) a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested, shall be disclosed to consumers Within thirty days prior to making changes.

In accordance with the CFPA, I request the acknowledgment of violations on behalf of Bank of America, A resolution to rectify this matter in good faith, And the recession of the security interest and any associated liens on the 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 monetary relief
Consumer complaint received 2023-10-12 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: IL

Complaint narrative:
XXXX XXXX Bank erroneously allowed a forced charge on a XXXX bill. XXXX erred by not converting my rental charge to monthly, instead opting to daily charges, which resulted in an overcharge/ force charge to my XXXX XXXX credit card. XXXX XXXX erroneously reported this balance owed to Equifax. XXXX XXXX also attempted to debit nearly XXXX XXXX dollars from my checking account, which was blocked and reversed by XXXX Bank. XXXX XXXX also failed to apply for payments from a secondary third credit card I had paid off to the XXXX XXXX credit card account in question ending in XXXX. XXXX XXXX instead sent multiple refund checks to me for the overpayment of the credit card I had paid off. XX/XX/XXXX utilized their oversees collection agency to make numerous harassing calls to me despite me making payments to my credit card account in question, failed to provide me with statements for at least the last year, provided invoices and balances due for dates that were separate dates demanded by their emails ( The XX/XX/XXXX statements were demanding that payments be forwarded on the XXXX day of each month while XX/XX/XXXX emails demanded payments to be made on the XXXX of each month, and XX/XX/XXXX failed to thoroughly and professionally investigate my complaints regarding this disparity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I have a Notarized Power of attorney to be able to handle my sons banking -as told was necessary -he is XXXX and needs his money to retain legal representation-He banks with credit karma and its terribly hard to get help-They requested notarized POA which we did-they sent a new debit card for the account-but I can not go into the account to activate it-I have told them the problem everyday-since the card came-everything with them and XXXX XXXX is electronic and uses the account holders phone for verification-my sons phone is gone and deactivated and they wont help by-pass this so I can get into the spend account he has to be able to activate it -I dont know what else to do he is scheduled to go to court again on XXXX-I keep getting robo replies and time is of the essence.Please help-Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12 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: IN

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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:
IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX # XXXX AND XXXX XXXX XXXX  XXXX # XXXX ALSO XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTON 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

Company response to consumer: Closed with non-monetary relief