vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX Subject : Request for Review and Removal of Missed Payments Dear Capital One, I hope this message finds you well. I am writing to formally dispute the missed payments reported on my credit account [ Account ending : XXXX ] Date reporting : 2020 XXXX, XXXX, & XXXX. 
I believe these missed payments do not accurately reflect my payment history for the following reasons : Payment History : I have consistently made timely payments prior to these incidents, demonstrating my commitment to maintaining a positive credit history. 
Circumstances : Back in these horrific times for me I was experiencing having to sell my home during XXXX and rely on family for months until I was able to relocate and establish a new home and to get caught up in circumstances that led to the missed payments, such as illness, job loss, and a place to live. 
Resolution Efforts : Since the missed payments, I have taken steps to ensure this will not happen again, Ive set up payments arrangements. I completed my auto payments. Staying as current and on time. 
Given my overall history and the context of these missed payments, I kindly request that you review my account and consider removing these entries from my credit report : 2020 XXXX, XXXX, XXXX. 
Thank you for your attention to this matter. I appreciate your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX CT XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I do not believe the information reported on my credit report is valid. The balance on this account is showing as open and that is incorrect. I have tried handling this with the company but they refuse to take action or do what needs to be done to correct this and it has negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Honestly I'm not even sure where to start, I am writing to formally lodge a complaint against Digital Federal Credit Union ( XXXX ) for closing my account without reasonable justification while I was incarcerated, despite clear documentation of my intention to repay an outstanding personal loan. 

I have been a loyal customer of XXXX for over XXXX years, maintaining my account with minimal issues. During my period of incarceration, I was in communication with XXXX regarding my financial situation, and I had plans in place to repay the personal loan I owed. This was documented and acknowledged by the credit union. However, without any warning or prior discussion, I received a sudden email notifying me that my account was being closed. 

This decision seems to have been made arbitrarily and without consideration of the documented agreement I had in place to fulfill my financial obligations. I find this action to be unjust and harmful to my financial standing, especially since I was never given a reasonable opportunity to resolve the situation. 

I kindly request that the CFPB investigates this matter and assists in resolving this dispute. Thank you for your attention to this issue. 

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 explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NC

Complaint narrative:
I have a credit card through Fidelity which is operated by Elan Financial Services. Elan Financial Services hides something in their membership documents - something that isn't available online - that rewards are capped at 150,000 points in a reward year. This isn't something you can see in your online account - you actually have to special request your membership agreement which takes them more than a day to provide for you. At some point in XXXX, I must have hit this hidden limit, and they stopped crediting points on to my account. They made no attempt to notify or warn about this - there were no emails, nothing on my statement, etc. It was just silently " no more rewards ''. I didn't notice this for a few months, and so their practice cheated me out of about XXXX XXXX  in rewards until I did notice it. At that point, I called and their reply was we'll look into it and send you something by mail in 10 business days. 

This is a deceptive practice. It's not exactly a hidden fee, because it's not a charge, but due a hidden condition, and with no warning, they cheated me out of many hundreds of dollars. I'm not really expecting recourse, but others should be warned that this is not a company you want to to business with. I've been a customer of the Fidelity credit card for about twenty years - though I think they transferred it over to Elan about a decade ago - and my only recourse is to deny them all revenue associated with what would have been years of future use of their credit card. So I guess that's what I'll have to do.

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 2024-09-30 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: TX

Complaint narrative:
After reviewing my submission I noticed that the Credit Bureaus Experion stated that my account was properly investigated by XX/XX/year> ; but failed to close out the complaint with the CFPB. Check my Credit Report with My Credit Score XXXX  on XX/XX/year> in ( Comments ) there wasn't a " Consumer is Disputing '' which is a direct Violation of the FCRA 623 ( a ) ( 3 ) 15 U.S.C.1681S-2 ( a ) ( 3 ) and the FDCPA 1692 ( 8 ) ( Fail to Mark Consumer 's Account as Disputed for the duration of the 60 days and 30 days in dispute ). This is grounds for removal and penalty of violation.

FCRA 623 ( a ) ( 3 ) 15 U.S.C.1681S-2 ( a ) ( 3 ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) ( 2 ) Duties of Person Taking Certain Actions Based on Information Provided by Affiliate ( A ) Duties, generally. If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( c ), the person shall 71 615 - 15 U.S.C. 1681m ( i ) ( ii ) notify the consumer of the action, including a statement that the consumer may obtain the information in accordance with clause ( ii ) ; and upon a written request from the consumer received within 60 days after transmittal of the notice required by clause ( i ), disclose to the consumer the nature of the information upon which the action is based by not later than 30 days after receipt of the request. 

If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering

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 2024-09-30 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX 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 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
Applied for and was approved for a debt consolidation loan to combine all payments into one. Loan was approved XX/XX/XXXX and mostly disbursed to creditors on XX/XX/XXXX. The largest creditor did not receive their disbursement. Have called twice a week and requested specifics of payment supposedly sent and have not received the information as of XX/XX/XXXX. I will shortly be making double payments on the same debt to XXXX lenders. The payment is now considered lost by XXXX and there is still no resolution. I redetailed this conversation via chat with sofi and recorded the written chat. I'm at a loss after multiple calls and requests and still expected to make payments on a loan that was not fully disbursed. In addition I was advised if and when the lost payment is found the other lender is required to send my overpayments to them rather than back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: NY

Complaint narrative:
15 U.S. Code 1681a ( d ) ( 2 ) ( i ) Exclusion of consumer report is any report containing information solely as to transactions or experiences between the consumer and the person making the report ; unless its a report subject to section 1681s3 of the the FCRA, any account that is reporting transactions and experiences ( age of account ) ( type of account ) ( payment history ) should be excluded from my consumer report as such information is private information and not a consumer report and will only be a consumer report if it shared to affiliates the following accounts must be deleted in order to be in compliance and accordance with the FCRA Account names and Account numbers 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: NY

Complaint narrative:
15 U.S. Code 1681a ( d ) ( 2 ) ( i ) Exclusion of consumer report is any report containing information solely as to transactions or experiences between the consumer and the person making the report ; unless its a report subject to section 1681s3 of the the FCRA, any account that is reporting transactions and experiences ( age of account ) ( type of account ) ( payment history ) should be excluded from my consumer report as such information is private information and not a consumer report and will only be a consumer report if it shared to affiliates the following accounts must be deleted in order to be in compliance and accordance with the FCRA Account names and Account numbers XXXX XXXX XXXX XXXXXXXX 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

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 2024-09-30 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: CA

Complaint narrative:
Good day, My credit is very important to me, and I am seriously worried about the incorrect information on my credit report. These errors are causing ongoing stress and hindering my ability to get approved for new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Collection Management LLC
State: TX

Complaint narrative:
the information is on my credit report as. debt collection CCMR3 Last reported XX/XX/year> {$20000.00} Open balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schrier, Tolin and Wagman, LLC
State: MD

Complaint narrative:
On XX/XX/year>, I received an email about a legal document saying that a debt collection agency will be freezing my bank account and take funds from it. According to the legal document it says that {$10000.00} is owed. On XX/XX/year>, {$1000.00} was taken from my account. My issue is this is not my debt, I do not have a legal case about any debt/debt collection meaning I have been wrongly accused and charged for this debt. I have tried to contact the agency to resolve the issue but they would not cooperate with me. Due to the agency not cooperating with me I would like to file this complaint so that they unfreeze my account and return my funds back to my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 XXXX  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. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I submitted a two part claim and after just 1 day I received a notice saying they detected no error on one of the two claims and denied it. I then decided to file a police report regarding the matter. Now im not receiving any response or communication. This first claim is for {$600.00} The Next claim is for {$900.00} and im still yet to even receive a email that its processed. Anytime i ask to speak with the claims department they say its its own third party agency and that i can not talk to them. I provided every possible document i can physically offer and a police report ontop of it.

The fact they denied the first one so fast and still have yet to receive an update on the second one is not okay. This money was fraudulently stolen from me and now im stuck having to survive off {$0.00} in my bank account for weeks as a struggling college student working XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 non-monetary relief
Consumer complaint received 2024-09-30 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: IL

Complaint narrative:
Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid 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 non-monetary relief