vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX my personal checking account # XXXX at Capital One Bank was unilaterally terminated without any prior notice or explanation. Despite many attempts to obtain clarification from the bank, I have not received any acceptable response. This has caused significant distress and uncertainty regarding my financial standing at Capital One. I attempted to transfer funds from another account and was obstructed. This obstruction seems to be preventing clients from conducting transactions other than those that benefit Capital One. I do believe Capital One Bank has assumed it is a joint owner of my account based on its actions. This confusion has raised serious concerns about the management and security of my funds. Furthermore, I am concerned that Capital One Bank may be unable to meet its obligations to depositors and creditors. The value of a bank account is not solely reflected by the current balance ; it can also include other factors such as accrued interest, pending transactions and ant investments linked to the account or profit generating schemes such as fractional reserve banking. Very disturbing regarding the security of my account. Capital One Bank has used my service agreement to restrict certain actions or limit my ability to transact on my personal account. This agreement is not valid because of behavior that amounts to breach of trust, breach of fiduciary duties, insolvency, false advertising, identity fraud, and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Debt Collectors International, Inc.
State: NJ

Complaint narrative:
I disputed a charge on my credit card for {$4300.00} to a vendor. I hired this vendor to help my business with XXXX implementation so that I could increase my business sales online. After 3 months, I was NOT provided with any reports, log in details to a dashboard or other items listed on the vendor 's original contract. I asked the vendor for 2 months to provide me with these documents, reports and log in details. They did not provide anything despite multiple requests, and I opened the dispute with my credit card company. On XX/XX/XXXX, the dispute was resolved and closed. The vendor was able to provide some data proving the work had been complete and the disputed transaction was reversed back to the vendor. 

On XX/XX/XXXX, my husband received a call from a woman by the name of XXXX XXXX. XXXX is a Senior Claims Agent Debt Collectors International , Inc . Her phone number is : XXXX I was surprised she called my husband who is not affiliated with my business or the business between myself and the XXXX vendor. I also wondered how she received my husband 's private cell phone number. XXXXXXXX XXXX  response was, " I can contact anyone I want in reference to your debts! If I want to call your neighbor, I will! Your financial information is not private!! You're a business which means it's all public!! '' Clearly, she is uneducated as well as unprofessional. 

I found her tone and misinformation to be shocking! I tried to tell her that the debt had already been paid, and I wasn't sure why she would even be trying to contact me. When I tried to explain this to her, she explained that she, " had been calling me multiple times and sending countless emails- which were all ignored! '' I never received a single email from this woman nor any phone calls. When I asked her what phone number she was dialing, she gave me a number that started with XXXX which is not either of my phone numbers. Both my business phone number and cell phone number are easily accessible on my business website as well as search engines. There would be no reason why XXXX was unable to contact me to discuss the issue. 

Furthermore, it's indeed against the law to contact any individual who does not have anything to do with a financial debt regardless of the debt being with a business or personal. This woman needs to learn the laws and also be educated on being far more professional. Not only was the debt paid in full, but the woman was clearly not informed in any way. It shocks me that there are people out there like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: IL

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : 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 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 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 XXXXXX/XX/XXXX *** KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM ***

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
15 U.S.C. 1681 is part of the Fair Credit Reporting Act and it outlines the Congressional findings and statement of purpose regarding consumer reporting. This section emphasizes the importance of fair and accurate credit reporting for the efficient functioning of the banking system and the publics confidence in it. It highlights the role of consumer reporting agencies in assembling and evaluating consumer credit and other information and underscores the need for these agencies to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. The purpose of this section is to ensure that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have three accounts on my credit report that I have no knowledge of. I have filed an ftc report for each of these accounts 2 XXXX XXXXXXXX account XXXX XXXX XXXX business account I have mailed a formal dispute request to each credit reporting agency listed In this complaint Please delete these accounts from my each of credit reports 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 non-monetary relief
Consumer complaint received 2025-01-07 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:
I have three accounts on my credit report that I have no knowledge of. I have filed an ftc report for each of these accounts 2 XXXX XXXX  account XXXX XXXX XXXX business account I have mailed a formal dispute request to each credit reporting agency listed In this complaint Please delete these accounts from my each of credit reports IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
I am writing to bring to your attention the ongoing issues I've encountered with the inaccurate reporting of inquiries by the three major credit bureausXXXX XXXX, and TransUnion. These inaccuracies not only misrepresent my personal data but also have the potential to negatively impact my credit standing and financial reputation. 
Unauthorized inquiries : 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 TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion 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 non-monetary relief
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
This letter serves as a formal notice of violations of multiple federal and state laws These violations include, but are not limited to, the following : FEDERAL VIOLATIONS-. Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 : Failure to safeguard my nonpublic personal information ( NPI ) as required under the Privacy and Safeguards Rules.Unauthorized disclosure of NPI to third parties without my consent. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : your agents or third-party debt collectors engaged in deceptive or abusive practices during the repossession process, including unauthorized access to or disclosure of my financial information. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 
1681 : Improper access to or reporting of my credit information Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5481 et seq. : Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ) by mishandling my information or failing to adhere to legal repossession practices. 

XXXX XXXX XXXX - Account Number - XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account Number- XXXX montery collection service- Account Number - XXXX Notice of Legal Action-To resolve this matter and avoid escalation, I formally demand the following : Remove this account from my credit profile. This letter serves as formal notice of intent to pursue all available remedies under applicable law. I urge you to treat this matter with the seriousness it deserves. 
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 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My dad co-signed my house and he passed away. He is on the mortgage as well as me- his son. They removed my name after it was purchased by NewRez and are trying to contact my dad to verify the info on the mortgage. They keep calling my number but refuse to speak to me. My dad passed away. I sent all the documents to them with a certified copy of the death certificate and all my new info. The deed with the county is in my name only. The mortgage company now change the name to the estate of my dad 's name. This is INCORRECT- nothing to do with the estate. He had his own house I am also managing but not mine. They totally removed me from my mortgage at transfer and have renamed the mortgage. They will not talk to me ; I even sent them the court papers assigning me as executer of the estate. They still will not talk to me or authorize me. This has been going on for 2 years now. The loan was correct originally with XXXX XXXX. I also filled out the successor of the mortgage info. This was going to me properly. There was no problem with XXXX XXXX, just NewRez now that changed everything when it was sold to them.

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 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica
State: HI

Complaint narrative:
DirectExpress won't allow me to transfer money out of my account over XXXX XXXXXXXX to a local bank where I have a checking account. I'm trying to pay a previous landlord money they say I owe. Because of this outstanding debt no one will rent me an apartment. I'm XXXX because DirectExpress won't allow me access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE XXXX Correction to my personal information Dear Equifax, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect name and address. 


Incorrect adress : XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

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 2025-01-07 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: AZ

Complaint narrative:
I am writing to formally dispute several accounts on my credit report that are inaccurate and do not belong to me. These accounts are fraudulent, incorrect, and unjustly affecting my financial standing. I want to emphasize that I have never authorized or engaged in any activities related to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: AZ

Complaint narrative:
I am writing to formally dispute several accounts on my credit report that are inaccurate and do not belong to me. These accounts are fraudulent, incorrect, and unjustly affecting my financial standing. I want to emphasize that I have never authorized or engaged in any activities related to these accounts.

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 2025-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CARD Corporation
State: MI

Complaint narrative:
I called to dispute a transaction with card.com on the XXXX of XXXX and they had to order a new card it had not hit by the XXXX of XXXX when i got my XXXXXXXX XXXX benefit check of {$960.00} on the account and since then ive been being told i basically have no way to access my funds without the card. On the website and when ypu call the custoner service number which it took 4 days for them to ship it which it said 2 business days. 14 business days went by and still no card so they told me i had to order a new one which was on XX/XX/XXXX. so i paid {$30.00} for expedited shipping and it was supposed to be 4 business days. It took them 3 business days to make the card i was told i would have the card yesterday and im still not being given access to my funds and its the XXXX and i should by law have had access to my funds by the XXXX no questions asked and this business does not offer that there isnt even a virtual card and this is ridiculous i paid {$30.00} for expedited shipping and i still dont have my card or access to my funds. I keep being told i can use my account and routing number to link to other virtual wallets but ive tried just about everything i can to gain access to my funds and the only thing that worked that i tried was an echeck but even that took way longer than it should have to recieve due to not having an active card on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ADP Inc.
State: CA

Complaint narrative:
I wrote to ADP on XX/XX/XXXX asking for access to obtain my W2 's and pay statements. They have not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
In XXXX to XXXX I use Lexington law firm by paying them to help fix my credit and they did not fix it and my credit score never went up it stayed the same

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase Bank Southwest Rapid Rewards Visa This account was closed in 2023. I have asked several times for the interest charges to be removed from this closed account so that I may pay it off. I'm not in a financial position to pay more than $ XXXX  monthly. I currently have two other credit cards that are closed and I'm seeing the balances go down because they have removed the interest charges so I can repay my debt. Chase has gotten over {$2000.00} in fees and interest and refuse to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
I'm writing to have the following information remove from my credit file, the items that I need deleted are going to be attach in a pdf document. I am a victim of identity theft I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report I ask that these items be deleted so my credit report will only show accurate information I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report I would like these items deleted from my report as soon as possible. Please block this information from my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-07 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I would like to bring to your attention that my information was used while I was XXXX. I see accounts on my report that I did not authorize at all. Please see attached documentation.

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