vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a {$15000.00} payment on my card which was received and posted to my account on XX/XX/XXXX yet Citibank put a " hold '' on my funds until XX/XX/23.

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 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A Capital One business account is being recently reported on my personal credit report in my personal name that I am unaware of that the credit bureau stated is reporting as of XX/XX/2023 but opened 1 year ago XX/XX/2023 without any details or information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Card Acquisitions Group
State: AR

Complaint narrative:
XXXX ( Reference previous dispute that was removed ) This account is appearing again under a different company, this time with " XXXX XXXX ''. XXXX, a representative answered the phone saying, he was XXXX... I asked did he work directly for XXXX..He then replied I work for The Law Office that handled the judgement for your case. This account is over XXXX XXXX XXXX. XXXX stated he is not a collection agency, therefore does not have to give mini maranda. ( call was made XX/XX/23 at XXXX They say every call is recorded and maybe monitored. ) This is not only a misrepresentation of the representative of himself as well as the company, but also a misrepresentation of the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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:
I received a copy of my credit report and see unrecognized inquiries on my report. I have not applied for credit with these companies and contacted the bureau to address this issue. 
On XX/XX/2023 XXXX, XXXX, XXXX XXXX XXXX, XXXX TX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX UT, XXXX, XXXX, XXXX & XXXX all inquired about my report. I do not have any knowledge of these inquiries. Under title 15 USC 1681 ( i ) I would like these investigated for accuracy and authenticity.

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 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Earlier this year, I opened a complaint, XXXX. As a result of me filing the complaint, on XX/XX/23 I received a letter from XXXX at Capital One. Her contact information is XXXX, ext XXXX. In this letter, she requested that I send a copy of the late fe in question. On XX/XX/23, I sent an envelope with the proof of late charges to the Minnesota address provided. As of today I have not received a refund for the requested charges. I've trying to contact XXXX five times and left a voicemail each time requesting a call back. I have not received a call back from her or anyone at Capital One. The Capital One CID is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, has violated my rights. 

I have already disputed these items, but the bureaus did not remove them, nor prove validation.

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

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

I have already disputed these items, but the bureaus did not remove them, nor prove validation.

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

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 2023-06-22 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: Paypal Holdings, Inc
State: HI

Complaint narrative:
there was an automatic renewal from XXXX XXXX XX/XX/2023 to Paypal. Paypal denied the charge on XX/XX/XXXX. I cancelled the renewal on XX/XX/XXXX and XXXX XXXX issued a refund in said amount for XXXX. Paypal subsequently stole XXXX from my XXXX XXXX bank account on XX/XX/XXXX without authorization and refuses to acknowledge the theft after disputing the claim directly with paypal. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I do NOT give any Credit reporting agencies to give my private information to any other 3rd parties or permission to collect my private information ( per 15 US Code 1681b ( a ) ( 2 ) _permissible purpose- I did not and will not give written permission for any credit reporting agency to furnish my consumer report ). But XXXX XXXX is still showing on my credit file ( No consent is Identity theft ) XXXX XXXX reporting many incorrect and non matching information including : -still reporting an open account as of XX/XX/XXXX. XXXX. But has admitted the account was transferred in XX/XX/2023 -communicating In last/recent CFPD complaint that I owe 1 month payment. But I have a statement asking for 3 months payment -saying I owe 1 month payment, but recently reported to credit bureau that my account as up to date for all payments Also Equifax received original complaint XX/XX/2023, but did not give a response in the lawful XXXX timeframe in which anything not verified within the XXXX is to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XXXX and XXXX I made my XX/XX/XXXX payment. for a total of XXXX for a mortgage loan monthly amount ofXXXXThis was literally a typo error. as soon as i was notified i paid more than the amount and the late fee. they never tried to contact me in the month of XXXX by phone, nor did they send correspondence till it was to late. I am, and have been ahead on my loan for years. I made an error and the company policy for Shellpoint mortgage is to report as late 30 days even if you are short 1 . the only reason a company would do this is to keep your credit score low so you will not be able to change companies. The company will not speak to me about the issue with a person who can help. They refuse to report the payment as partial, it only shows as a 100 % late and has caused me, and my business from getting loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Td bank closed my account with giving me any acknowledgment. I was told if I paid XXXX I would be able to open up an account. Well I paid that XX/XX/XXXX well today is the XXXX and just now finding out my account is closed. Went to the branch was told I need to go to the original bank. Well called the original bank but they cant give me any information they would need to reach out to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Capital One 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 15 U.S.C 1681 section 602 A. States I have 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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX Medical data system inc XXXX XXXX Medical data system inc XXXX XXXX Medical data system inc XXXX  XXXX XXXX XXXX Medical data system inc XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX DECLINED A HOME EQUITY LOAN BECAUSE, XXXX XXXX XXXX INSISTS ON REPORTING DEROGATORY REMARKS ON MY CREDIT REPORT. I SPOKE TO XXXX XXXX XXXX When I had COVID XXXX AND INFORMED THEM I MISSED A PAYMENT. I ASKED THAT THEY NOT SHOW ME 30 DAYS LATE DUE TO XXXX XXXX. I WAS TOLD SINCE I HAD COVID AND CALLED IN THAT TGEY WOULD NOT REPORT IT TO THE BUREAUS. THEY INTENTIONALLY REPORTED IT TO INSURE TO DRIVE MY FICO SCORE INTO THE GROUND AND PREVENT A HOME EQUITY LOAN. FICO IS ALSO TO BLAME FOR THIS BY HIDING CREDIT SCORE FROM THE CONSUMER. IF THERE WAS ONLY ONE SCORE THERE WOULD BE NO DECEPTION.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc
State: TX

Complaint narrative:
I had been driving with XXXX for a couple months and had applied to a different service called XXXX for additional extra money. The company requires me to run background check through Checkr, where the company Checkr also reported its findings to a completely different company than I had been applying to ( XXXX ). A step further from that, the information that was reported stemmed from a background check was from nothing more than an an accusation which I had been to court, found not guilty of, and ultimately dismissed for. This information had been on my record long before I had considered driving for XXXX, it was there ( dismissed ) while in process of driving for XXXX and Checkr initially ran the background check so Im just not sure why this company illegally reported information that they have no business or consent to do so placing me put of work. I would like to personally be contacted and compensated for the monies that were lost for this unlawful reporting as I have been back and forth in communication with the company via email and they are VERY slow with responses, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Please refer to the files uploaded below for a detailed description of what happened to me. 

I want to note the following as well : Last Friday afternoon, I noticed a seemingly fraudulent XXXX transfer from my XXXX Bank account to someone with my wife 's name. While the account only had {$1.00} in it, nearly {$500.00} was transferred out, leaving a negative balance of nearly $ ( XXXX ). My wife never received that money, and I never authorized the transfer. XXXX Bank 's fraud unit is still trying to figure out whether it was just a glitch, or whether criminal activity occurred. It would be premature at this point for me to jump to any conclusions. That account is now closed due to suspicion of fraud.

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 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
ALDOUS & ASSOCIATES PLLC has admitted to receiving my cease & desist. 

In my cease and desist & debt validation letter, it states that I am demanding the purchase agreement/forward flow agreement which lists the account they purchased and that list the terms and rights they have to the account.

For the sake of not wanting what I asked to get misconstrued again, I am demanding the following : -Audit trail -Forward flow agreement/Purchase agreement -Account ledger All documents must be certified by account manager. 

A Copy of the Consumer credit transaction is not Sufficient to validate the alleged debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. 

Case Law : Pacific Concrete F.C.U. v. Kanuanoe, 62 Haw. 334, 614 P.2d 936 According to Case Law, ALDOUS & ASSOCIATES PLLC has not sufficiently validated this alleged debt and has taken it upon themselves to further tarnish my reputation ( consumer report ). 

A copy of a new Debt Validation letter has been attached, again, for your clarity of whats being asked of ALDOUS & ASSOCIATES PLLC. 

You have seven ( 7 ) days to respond sufficiently. 

THIS IS A FINAL ATTEMPT TO RECTIFY THIS ISSUE BEFORE LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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 called XXXX to remove the inquiries that were not authorized by me and was told to call the company who created the inquiry in which I have already done so. I requested the following inquiries be removed as it is erroneous : 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 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, XX/XX/XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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