vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The personal information being reported on my credit report are incorrect, I have included my documents for you to be able to update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
On XX/XX/2024, I made a {$1.00} purchase on my Santander Bank XXXX credit card, bringing the balance on the card from {$0.00} to {$1.00}. On XX/XX/2024, I received a statement saying that the account was Charged Off for the {$1.00}. This is despite having never been late on the card. 

On XX/XX/2024, I paid the {$1.00} balance from my Santander Checking account, in order to pay the balance in full. The balance should have been reduced to {$0.00}. 

On XX/XX/2024, XXXX am, I made an appointment with Santander in person to resolve the charge off. The representative could not find me in their system at all. That same day, at XXXX pm, I called the Credit number for Santander, XXXX, to try to resolve the chargeoff. The representative on the phone stated that I was marked as deceased. 

I believe that I was marked as deceased because my mother, who was an authorized user on my XXXX credit card, passed away on XX/XX/2024. XXXX received paperwork at the end of XX/XX/2024 that she passed away, and erroneously marked my account, of which I was the owner, as deceased, and then charged off my account. 

I received a case number on XX/XX/2024, XXXX, to resolve this error, and I received confirmation that I would have this resolved in XXXX business days. 

On XX/XX/2024, at XXXX pm, I called XXXX again to get an update. They had no update at that time. I asked them to continue to try to resolve the charge off. The representative stated that they submitted a customer nonsatisfaction report on my behalf, with number XXXX. 

On XX/XX/2024, I called XXXX back to state that I no longer wanted to attempt to reopen the account, but simply mark it as Closed, and Paid as Agreed. 

On XX/XX/2024, I received an updated XXXX credit report that now indicates that the XXXX credit card has been charged off for {$1.00}. The status says " Account charged XXXX late. {$1.00} written off. {$1.00} past due as of XX/XX/2024. '' This is despite that I am not deceased, nor have I ever had a late payment on this account. This error on Santander 's part has decreased my FICO XXXX score from XXXX to XXXX, and has severely damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a notification from XXXX XXXX about a new collection on my consumer report for XXXX. MRS BPO LLC was reporting. I have never been in any financial relationship with them. This is fraud reporting on my consumer report. They did not have any information provided as well to contact. I have never been in any contact with this scammers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I disputed a charge with budget rental car i rented XXXX XXXX XXXX XXXX  for our vacation to florida through capitol one, due to a cockroach infestation in the van on my florida vacation. Capitol one claimed to have investigated the dispute. Budget claimed to give me a clean safe car. In the dispute. I point out all of the emails back and forth stating how sorry they were for not only the cock roach infestation but the bad wiper blades that left us stranded untill rain stopped. Pointed out how a partial refund was issued admitting guilt. Capitol one said i would have to find a similar vendor who would agree that a cockroach infestation in a rent van is breach of service./contract. No company will do this as it opens them up for suit. XXXX XXXX XXXX refused to investigate it. I pointed out that the emails and their statements were conterdictory and constitute pejury. I was damaged XXXX of lost money and time. Capitol one refused to allow me to add suplemetary evidence to support my case. They gave no proof the car was clean. Capitol one

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX {$2900.00}

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good Afternoon : A Bankruptcy Account is still reporting upon my Personal Credit Report, after and beyond a legal duration of 10 ( TEN ) Consecutive Years. With that said, this particular account should of deleted this pastXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. 

Moreover, via Consumer Law ; theoretically, this account should be purged from my report 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
Consumer complaint received 2024-09-21 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 XXXX XXXX XXXX XXXX, Consumer Social Security Number:XXXX Consumer Date of Birth:XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account & personal loans. 
FOUR  personal Credit Cards. 
1. XXXX XXXX XXXX Bank Credit Card opened XX/XX/XXXX for {$18000.00}. acct # XXXX ). 
2. XXXX XXXX XXXX. Opened XX/XX/XXXX acct # XXXX for {$1200.00} 3. XXXX XXXX XXXX. Opened XX/XX/XXXX acct # XXXX for {$1600.00} 4. XXXX XXXX XXXX. Opened XX/XX/XXXX acct # XXXX for {$1100.00} Four personal loans. 
1. XXXX XXXX XXXX Bank XXXX XX/XX/XXXX account # XXXX ( XXXX ) for XXXX 2. XXXX XXXX loans for {$3800.00} opened XX/XX/XXXX ACCT # XXXX. 
3. XXXX XXXX XXXX XXXX  under the account number ( XXXX ) for {$24000.00} opened XX/XX/XXXX, 4. XXXX XXXX XXXX opened XXXXfor {$11000.00} original creditor XXXX XXXX # XXXX that appears related to the aforementioned personal loan accounts ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding the CFPB complaint be sent to me via email to ( 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 2024-09-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
MANDATE REQUEST!!

I HAVE A HARD INQUIRY AND ACCOUNT REVIEW INQUIRIES THAT WON '' T GO AWAY I NEED YOU TO FINE THESE COMPANIES LIKE XXXX AND 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 2024-09-21 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: MO

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 informationisinaccurate.

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 2024-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by scammers which involved me making deposits for a total amount of XXXX USD from my Capital One account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MD

Complaint narrative:
I am currently enrolled as a XXXXXXXX XXXX XXXX XXXX  and have been deferring my XXXX EdFinancial student loans while completing graduate school. Prior to XXXX  school, I was paying my loan and had setup autopay. 

On XX/XX/year>, I was charged {$360.00} via auto-pay on EdFinancial loans that should have been deferred. I realized this on XX/XX/year> and contacted EdFinancial via their " Contact Us '' web portal. I asked why this auto-payment occurred given my status as a XXXX student and if it could be reversed. 

It should be noted that this webform is difficult to use. Only special characters in this list are allowed :.,? & %! @ $ ( )/ which left me hunting for the character ' I used in the contraction " I'm ''. I noticed a similar complaint about this webform was made on XXXX. 

I received a reply on XX/XX/year>, that I would need to send in a form for deferment that required XXXX business days for processing and that the XXXX payment would not be reversed. I saw that another payment was scheduled for XX/XX/year> leaving a very small window to get the form submitted. 

I called EdFinancial on XX/XX/year> to ask why my deferment wasn't applied this semester when it had been automatically applied for all other semesters I've been in XXXX  school. The person helping me told me that a database is updated by my university to list my enrollment status each semester and that that database is checked to apply deferment automatically. I asked if the database had be updated to reflect my status as a current student and if so, when it was updated. This person informed me that it did show me as a current student and that the database had be updated in late XXXX, more than 2 weeks before my auto-payment was applied! 

This person then submitted a ticket to ensure my deferment was applied for XXXX, but again informed me that I could not be refunded the {$360.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: VA

Complaint narrative:
On XX/XX/XXXX, an XXXX dispute was filed under REG E. The dispute number was XXXX. The dispute was resolved and the total amount that was attempted to be added by ETF reversal is {$3300.00} which was on Thursday XX/XX/XXXX per the manager at the dispute EFT resolution dept of Banco Popular. They contacted me the following day saying they could not credit my account because the XXXX XXXX, XXXX branch had a block on my account. I contacted a supervisor on XX/XX/XXXX to ask them for help and they contacted XXXX ( XXXX XXXX ) and XXXX ( XXXX XXXX ), the managers of the branch to release the block so they could add the funds back into the account. XXXX refused ( most possibly due to the a complaint I had filed previously as retaliation ) and claimed that the account was under investigation.When speaking to her, she gave me blanket statements, refused to help and told me to call customer serivce. Regardless, I continued to contact supervisors and XXXX XXXX only to be given the run around of fake promises of call backs. Within 5 hours of trying to get my account unblocked so I could get my funds, the branch at XXXX XXXX location completely made my account inactive to customer service ( even though it was not for weeks ) so that it read " this account is currently under investigation, no other information is available ''. This is clearly a fraudulent move by the branch as they were trying to limit my communication about the funds that should be available to my account. I have tried reaching out to area managers and other individuals with no response. This is a clear violation of REG E and the funds that were attempted to be reinstated to my account are now lost. I have notes from the parties involved and all communications.

Please look at the timeline. See how my account was not restricted to customer service calls until XX/XX/XXXX when I was trying to have this branch help me with my problems. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: CA

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 non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/XXXX I called COLUMBIA DEBT RECOVERY for information regarding my debt. They stated I owe around {$7000.00} and now with interest it has come close to {$11000.00}. Being that I believed that was incorrect I asked to specify to me the exact amount of months I owe. Into which the COLUMBIA DEBT RECOVERY could not provide the exact amount of months I owe, all they have is an amount the original creditor said I owe. Which to me seems outrageous that a company can just say you owe whatever they say and they can stick it on to your credit without any pushback. So this is me pushing back. Like I stated before I am not avoiding responsibility, on the contrary I would like to settle this, but without the proper account of the exact months I owe and for them to bluntly lie about the month I left is horrendous to me. I at the maximum owe them 3 months of rent from XXXX XXXX XX/XX/XXXX. I was gone by XX/XX/XXXX like they requested and they are wanting to add an extra 2 months that I wasnt not there for anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: MI

Complaint narrative:
I am writing to you as the holder of account number XXXX for my credit card, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX. 

I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.

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 2024-09-21 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: NM

Complaint narrative:
I request your assistance with the incorrect account being shown on my credit report. This situation has harmed my reputation, and I depend on your help. The improper management of my credit report has led to serious damage to my reputation. Please remove the incorrect details from my credit report promptly.

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