vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX I received notification that my balance transfer was going to expire see below. 

Bank of America. 
Promo Expiry. 
Your credit card promotional rate expires soon Credit card ending in XXXX The promotional rate you're currently receiving on your balance ( s ) will expire in about 90 days. 
After the promotional rate expires, any remaining portion of the balance will be charged the standard rate for that balance type. 
Offer code : XXXX Transaction type : Balance Transfers Promotional APR : 0 % Promotional end date1 : XX/XX/XXXX Current balance2 : {$330.00} APR after promotion ends : 18.49 %, a variable APR based on the U.S. prime rate On XX/XX/XXXX I sent {$100.00} to begin reducing the expiring balance transfer. 
The minimum payment was applied to the expiring transferthe remainder was paid toward another balance transfer ( with a higher interest rate ). 
I called Bank of America and explained I am trying to pay the expiring balance transfer. They said it could not be remedied. 
Next, on XX/XX/XXXX, I sent a check in the amount of what was owed on the expiring balance transfer in the amount of {$310.00}. I included the offer code in the memo of the check. Bank of America applied the minimum amount due ( {$29.00} ) to the expiring balance transfer and applied ( approximately {$290.00} ) to the balance transfer with the higher rate. On XX/XX/XXXX I called Bank of America and asked to speak to someone that could apply the payment to the offer that was expiring and they said there was nothing they could do and h7ng up on me.

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 2024-03-15 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: VA

Complaint narrative:
Dear Transunion, This Collections Account XXXX is XXXX. How is this even possible? Collections are Closed accounts by default. Transunion is very unreliable ; you guys need to provide XXXX XXXX Accuracy. 15 USC 1681e ( b ), Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

TRANSUNION ISNT ABIDING BY THIS LAW, FIX OR REMOVE THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FUNDING IS A COLLECTIONS ACCOUNT. ALL COLLECTIONS ARE CLOSED ACOUNTS BY DEFAULT, WHY IS THIS ACCOUNT STATUS EVEN OPEN.THIS IS VERY IMPORTANT, THIS IS NOT MAXIMUM ACCURACY PLEASE REMOVE 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 non-monetary relief
Consumer complaint received 2024-03-15 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: VA

Complaint narrative:
Dear Transunion, This Collections Account XXXX is XXXX. How is this even possible? Collections are Closed accounts by default. Transunion is very unreliable ; you guys need to provide 100 % Accuracy. 15 USC 1681e ( b ), Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

TRANSUNION ISNT ABIDING BY THIS LAW, FIX OR REMOVE THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FUNDING IS A COLLECTIONS ACCOUNT. ALL COLLECTIONS ARE CLOSED ACOUNTS BY DEFAULT, WHY IS THIS ACCOUNT STATUS EVEN OPEN.THIS IS VERY IMPORTANT, THIS IS NOT MAXIMUM ACCURACY PLEASE REMOVE 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 non-monetary relief
Consumer complaint received 2024-03-15 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: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
In XXXX of 2023 I leased a XXXX and used their provider to get approved. They processed my application and I was approved immediately through Santander. Over a month later, my credit card credit reporting notified me of additional inquiries from Chrysler Credit. When I called to inquire, they told me to call back in the morning as they weren't able to tell me why my credit was ran. Overnight, it was then pulled again. When I spoke to someone the next day, they escalated me to a supervisor whom told me there was an error and they would make notes but they would submit an audit to have those inquiries removed but still could not tell me why my credit was hit XXXX more times. I came to learn that Chrysler Credit is a subsidiary of Santander. In XXXX, I called back to get an update and had to go through the entire thing again, was escalated and a women then told me there was an error in their system and she would follow up with the department making those corrections and that she would call me back on XXXX with an update. XXXX came and went and no call. I called in XXXX again to follow up. Same deal, he wasn't sure why I wasn't called back, saw the case notes and promised to follow up- still nothing. It's mid-XXXX and I called and again spoke with a supervisor who told me they cant do anything since I never filed an actual application with them. He saw the case notes and the audit and advised me to follow up with the credit bureaus themselves. My credit report was hit a total of XXXX time, XXXX authorized by XXXX, and XXXX not authorized that brought my credit down XXXX points over the course of the month. They are all still reflecting and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX I attempted attempted to transfer money from my Capital One bank account into my XXXX account in the amount of {$150.00}. At the time I was logged in to my XXXX account so I typed my name in the search drop down box and selected it. I processed the transaction but I noticed my XXXX account did not immediately fund as it should have. I called XXXX 's customer service right away. The representative I spoke with asked me did I key in my email address along with my name in the drop down when I made my deposit. I responded no, she said that's the problem! Let me see if I can locate where your money went. She placed me on hold, after a few minutes she returned to line asking if a XXXX account title XXXX was my account? I responded no, she said that's the account that received your money. She then said unfortunately there's nothing I can do to help you get your money from this account holder. XXXX doesn't have the authority to reverse transactions that done person to person. Your only recourse is we can try to contact the account holder ask them to send the money back too you. The other is to have your bank do a chargeback stating this transaction was done in error the funds did not go into their account holder 's account. She said a chargeback would be the best and quickest way to retrieve my money back. She also stated that she would send the account that received my money a email and letter stating they received the deposit in error please send it back to sender. She also told me she didn't think the letters would be effective because the account appeared to be dormant so the account holder would probably never have any knowledge of this activity. So the chargeback was really my only recourse. I called Capital One immediately of course at that time there was real nothing that could be done because the transaction had not posted against my account yet. I did speak a customer service representative at bank she said she would notitate my account file so when I called back after the transaction posted I wouldn't have to repeat all the details again. Capital One initially refused to do the chargeback because they said I wanted the transaction to post the way it did. I filed a complaint they gave me provisional credit after months fighting to have a chargeback filed. They filed it and XXXX denied it! I had it refused and both institutions are violating my protection rights, the are violating electronic funds transfer regulations and other governmental regulations. XXXX even has in house regulation that says if funds are not claimed by the recipient they are too be returned to sender. XXXX should have sent me my money back over 45days ago. Instead they are allowing them to be titled in a dormant account. I can only imagine how they fattening their bottom line by using this technique.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: TX

Complaint narrative:
Upon checking my credit reports, I spotted some unauthorized and fraudulent inquiries that needs reporting and correction through your company. I'm a victim of Identity theft. I've never authorized anyone to open these inquiries and I have not initiated any transactions to these companies.

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 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
The following company, JEFFERSON CAPITAL SY has reported a fraudulent account on my credit reports. I do not have any financial obligations with the company. The above-mentioned company has failed to supply me with any contracts that was signed on my behalf. This account and company is considered fraud as no authorization has been provided to this company to furnish any information into my credit profile...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Subject : Dispute of Fraudulent Collections Account by Portfolio Recovery To Whom It May Concern, I am writing to formally dispute the legitimacy of a collections account reported on my credit report by Portfolio Recovery. The account in question is in the amount of {$1800.00} and is not recognized by me. I have strong reasons to believe that this is a fraudulent entry affecting my credit score and financial standing. 

Upon noticing this entry on my credit report, I immediately reviewed my financial records and found no evidence of any debt or past-due account that could be associated with Portfolio Recovery. To ensure due diligence, I also reviewed any potential cases of identity theft or mistaken identity but found no evidence supporting this claim. 

It is my understanding that under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies on my credit report. Given that this entry is inaccurate and unverifiable, I request the following actions : A thorough investigation into the account listed by Portfolio Recovery. 
Removal of this account from my credit report if it is found to be invalid. 
Provision of documentation that substantiates the debt, if it is claimed to be valid. 

Please be aware that I am prepared to take further actions, including filing a complaint with the Federal Trade Commission ( FTC ) and seeking legal advice, if this matter is not resolved in a timely and satisfactory manner. 

I expect a response to this dispute within 30 days, as mandated by the FCRA. Your prompt attention to this issue is crucial for rectifying my credit report and upholding the integrity of the reporting process. 

Thank you for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern, I am compelled to submit a formal complaint against Capital One due to their handling of my fraud investigation case, referenced as Case No. XXXX # XXXX. This complaint arises from not only the unjust denial of my appeal based on misinformation but also from Capital One 's failure to provide any form of communication regarding their decision. Despite my proactive efforts, reaching out to them over five times to request clarification and to rectify the misinformation on their part, my attempts were met with empty assurances, and no representative has made an effort to contact me throughout the process. 

To my dismay, I discovered an unauthorized deduction of more than {$1200.00} from my account, executed without prior notification or explanation. This action by Capital One is unacceptable and contradicts the principles of fair customer treatment and transparency that financial institutions are expected to uphold. 

The banks refusal to engage in meaningful dialogue, coupled with their decision conveyed without notice, underscores a grave disregard for consumer rights and the integrity of their fraud investigation processes. It leaves me not only financially aggrieved but also deeply concerned about the standards of accountability and customer service at Capital One. 

Given these circumstances, I seek the Consumer Financial Protection Bureau 's intervention to secure a just resolution. This situation demands a thorough review of both my individual case and the broader practices of Capital One concerning customer communication and the handling of fraud investigations. I am prepared to supply all requisite documentation and evidence to substantiate my claims and to demonstrate the neglect and procedural failures on the part of Capital One. 

I appreciate your prompt attention to this urgent matter and look forward to your support in ensuring a fair and equitable outcome. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: NV

Complaint narrative:
" Thank you for your payment. 
XXXX, thanks for your payment! 
TrueAccord logo Congratulations, your XXXX XXXX XXXX account is now resolved! 
For your records, here are the details about your payment : On XX/XX/XXXX, you made a payment of {$230.00}. You paid with a XXXX with last four digits XXXX and expiration date XX/XX/XXXX. 
We are happy to confirm that this payment resolves your balance with XXXX XXXX XXXX 

Provided that any payment you made is not returned unpaid, we will report to XXXX XXXX XXXX that this account is resolved and no further attempts will be made to collect on your account. 

Thanks for working with us. 

Your payment information Payment amount {$230.00} Payment date XX/XX/XXXX TrueAccord account number XXXX Creditor XXXX XXXX. 
XXXX  XXXX account ending in XXXX HOW DID WE DO? 
As always, if you have any questions just reply to this email. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Your TrueAccord account number is : XXXX Unsubscribe Privacy Policy Dispute this debt Need help? Call us at ( XXXX ) XXXX ( TTY XXXX ) between Monday - Friday, XXXX XXXX XXXX XXXX XXXX  ET Copyright XXXX TrueAccord Corp . 
XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX XXXXXXXX XXXX logo We collect personal information to provide our services. We do not sell personal information. Most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. For more details on how we use, share, and delete personal information see our Privacy Policy. '' I called XXXX and they I still owe {$150.00} dollars because this wasn't settlement and I owe interest. 
I called TrueAccord and they said, a settlement doesn't resolve the balance. 

I advised I was told this would settle my account and I will not be contacted for any further debt owe. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: Shellpoint Partners, LLC
State: PR

Complaint narrative:
I'm complaining about Newrez ( Loan Servicer ) My Loan # XXXX Mortgage Loan in the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my mortgage loan servicer changed from XXXX XXXX to Newrez. 
Newrez failed to provide me the correct tax form that shows interest paid during XXXX. 

I'm a Puerto Rico resident, which is a US territory and Newrez should know that Puerto Rico has a different tax code and they must send me form 480.7A instead of Form 1098. 

Without that form, I will be unable to file my income tax return, which mandates to provide Form 480.7A. 

Newrez has a chat service that I used on XX/XX/XXXX to ask for the correct form and they told me that I that Form 1098 was the equivalent of what I asked and that is not correct. ( See Attached email with chat transcription ) Then, the same day I wrote an email ( See Attached ) to Newrez using my loan consigner email to explain why they must send me the correct form, and as of today XX/XX/XXXX I have not received a response from Newrez. I even sent them a copy of the correct form 480.7A that the previous servicer ( XXXX XXXX XXXX sent me. ( See Attached ) In summary, Newrez is failing to comply with sending me the correct tax form information as a Puerto Rico resident having a mortgage loan from Puerto Rico.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation