vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-29 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: LA

Complaint narrative:
I have contacted all bureaus and the furnisher to get the late payment removed from XXXX XXXX Account XXXX. This account was not late in XXXX, XXXX, XXXX, or XXXX of XXXX and there were no late payments reported during that time period. ( XXXX XXXX  reported multiple false late payments after I paid the balance of the vehicle off ) In XXXX of XXXX, I was displaced by a natural disaster ( flood ). I contacted XXXX XXXX  and advised them of the situation. They informed me payments were deferred for 6 months ( XX/XX/XXXX ). A payment was taken out of my XXXX XXXX checking account without my permission & when I spoke to an accounts manager, the money was reversed back to my checking account. I paid the entire balance off the following week ( still within my 6 month deferment ) & XXXX XXXX reported multiple late payments when they should not have. This is an illegal credit reporting violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2022 I contacted Capitol One regarding a payment {$1200.00} that was for XXXX statement but applied to XXXX statement. Spoke to a manager that informed me how payments are allocated if paid before closing date. He was unable to move payment so he notated account of issue, waived late fee id applied and that no payment was due XX/XX/2022. He also confirmed cancellation of 3 payments scheduled on XX/XX/2022 for amounts below due to allocation concerns. 
1. XX/XX/XXXX {$100.00} 2. XX/XX/XXXX {$200.00} 3. XX/XX/XXXX {$200.00} During the call I rescheduled 2 payments for amounts below. I have been in contact with Capitol One mulitple of times requesting that canceled/unauthorized payments are refunded. Capitol One has refused to refund payments and wouldnt explained why payments were drafted after canceled and 2 payments on different dates ( 1. XX/XX/XXXX - XXXX and XX/XX/XXXX - XXXX ). On XX/XX/2022 I spoke to a manager by the name XXXX who created a ticket to have payments refunded promised to follow up with me on request on XX/XX/2022, manager never followed up. I also requested during that call that my account is reviewed for accuracy ( balance and interest ). I was advised that a different department will follow up within 7 to 10 days. I havent received no follow up. On XX/XX/2022 I contacted Capitol One again spoke to manager XXXX who advised me that request to refund unauthorized payments were denied. She was combative and refused to provide any further information and disconnected call. 
1. XX/XX/XXXX {$1500.00} 2. XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I tried once again to apply for a working capital loan which I have successfully had more than 2 of them and successfully paid them back.

I called and this time the agent was very helpful he knew what he was talking about and you could tell he was perplexed at why I was not being approved either. 

I don't think that I am going off the hook to quick in LABELING THIS DISCRIMINATION IN LENDING because nothing has changed and there is absolutely no reason based on the facts that I should be being rejected for these loans. 

I have been a longterm customer more than 20 years on this particular account and I was one of the first one hundred customers of PayPal under another account.

Loyalty returned with discrimination? I do know that there is another bank called web bank behind these loans so they might be part of the problem too? 

Also I tired to add my email to the account ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: AL

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report any bankruptcies to anybody ''. So, if that's the case how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 681 according to 15 USC 1681 section 602A. States I have the right to privacy.

According to15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that 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 2022-06-29 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report any bankruptcies to anybody ''. So, if that's the case how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 681 according to 15 USC 1681 section 602A. States I have the right to privacy.

According to15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested the removal of Inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, accounts : XXXX XXXX XXXX Balance- ; XXXX XXXX Balance- ; XXXXXXXX XXXX Balance - ; XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$130.00} that are UNKNOWN to me. I included these in letters that I sent to 3 Bureaus on XX/XX/2022. I learned about this rule today, and it states that Credit Bureaus must ban any items in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) no later than four business days following the XX/XX/2022 letter.

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 2022-06-29 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: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Inability to make payments on accounts from external.bank accounts. Cancellation of payments and no payment processor. The credit union is not capable of processing payments on accounts only account transfers. Also, I reported fraud on an account ending in XXXX but continued to make payments. Nothing was done except for an account number change. I reported the issues with credit bureaus due to my previous fraud issues and Navy federal told the credit bureaus that I never reported fraud, closed the account, and reported late payments even though payments were made on time and returned due to a navy federal error with processing payments. They should use a payment processor to process payments because I am unable to make any payments to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
On XX/XX/2022 I submitted a complaint through the CFPB to which the company OneMain responded to on XX/XX/2022 stating : In your complaint, you state that your account was settled in exchange for the deletion of the negative account from your credit report, but the account is still reporting and harming your credit. As an initial matter, please note that OneMain has no record that you have accepted any settlement, nor has it received any settlement payments. OneMain respectfully declines to request removal of the OneMain account reporting to your credit file. 

I've attached a screenshot from my current credit reports from all XXXX credit bureaus showing that the account is reporting as Settled/Payment after charge-off so why exactly is your records not reflecting said information which the credit bureaus clearly got from your company? This is a serious violation of my rights under the FCRA since the information being reported against me is neither fair nor accurate. If this gross negligence of my rights continue, I am prepared to file a lawsuit and seek compensation for the damages I have incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I only applied for one mortage company and when I looked at my credit report I saw there was more then one for a mortage and I WAS not approved for any of 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 2022-06-29 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I only applied for one mortage company and when I looked at my credit report I saw there was more then one for a mortage and I WAS not approved for any of them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: AL

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter to courthouse asking do they report bankruptcies to the credit bureaus and i got a letter back stating. " They do not report any bankruptcies to anybody '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 Section 603 ( 3 ) ( E ) States The term '' investigative Consumer report " means a consumer report or portion thereof in which information on a consumer characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC1681.

According to 15 USC1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

According to 15 USC 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 explanation
Consumer complaint received 2022-06-29 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: TN

Complaint narrative:
since XXXX of 2020, I have tried calling the student loan lenders to advise them I should not have or show any late payments on my account, I have disputed this several times, even to the point where I had to switch lenders because they was not properly handling my account and reporting inaccurate information to the credit bureaus. My credit report shows inconsistent information, XXXX late payments reporting all with the same account number. I do not have XXXX loans with the exact same account number which is another huge error on their part.

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 2022-06-29 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: TN

Complaint narrative:
since XXXX of 2020, I have tried calling the student loan lenders to advise them I should not have or show any late payments on my account, I have disputed this several times, even to the point where I had to switch lenders because they was not properly handling my account and reporting inaccurate information to the credit bureaus. My credit report shows inconsistent information, XXXX late payments reporting all with the same account number. I do not have XXXX loans with the exact same account number which is another huge error on their part.

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 2022-06-29 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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
since XXXX of 2020, I have tried calling the student loan lenders to advise them I should not have or show any late payments on my account, I have disputed this several times, even to the point where I had to switch lenders because they was not properly handling my account and reporting inaccurate information to the credit bureaus. My credit report shows inconsistent information, XXXX late payments reporting all with the same account number. I do not have XXXX loans with the exact same account number which is another huge error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
iN XXXX OF 2021, I paid this loan off in full of XXXX dollars they never sent title to car, and they have reported me as 30 days late which is inaccurate. I have reached out several times over a year asking them to remove the late payment and send my title. Each rep who answers call never gets me a call back to discuss this matter, I was a faithful payer and paid car off under 6 months. I have asked Bridgecrest to please remove that XXXX late payment reflecting on my records. They refuse to send an update to the credit reporting companies about the in accurate late payment in XXXX of 2021. How can i be late when car was paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was trying to use Venmo to pay someone, and my transaction was declined by Venmo. This is the case even though I have never had any problems with my payments. This left me unable to pay a debt. I contacted the company to understand why ( fraud? credit risk concerns? ) and what I could do to remedy the situation ( validate myself? show balance in my funding account? ) and they gave me no helpful information or remedy. 

This impacted a business relationship and caused me substantial injury and, as far as I can tell, was unavoidable. I believe my expectations that my account would function were reasonable. I do not see a reason for my payments to be decline and believe that this practice does not rise to a UDAAP standard that would be expected from a credit card or bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-29 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: NC

Complaint narrative:
This is to inform you that I XXXX XXXX XXXX am submitting this complaint and report of ID theft on my behalf there is no third party involved in this complaint. The following was not submitted in error. This is complaint is not to be opened as a dispute of any kind there has been no error made by the documents contained herein this complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ). Expect as other wise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of, included you will find FTC identity theft report, identity theft affidavit, copy of ID, utility bill, and social security card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquires, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Equifax does not have any permission or consent from I the consumer to furnish a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I requested a refund, through Fedloan servicing, for monies paid during the CARES Act postponement. They responded stating that " After further review records show a refund was issued to your bank account on file on XX/XX/2022. If you have not received the monies we would recommend contacting your financial institution. " On XX/XX/2022 explained that my bank does not have a record of this deposit with any of my accounts. I also think I would notice a deposit of {$11000.00}. I requested they tell me where they sent this money to, as it was not to any of my bank accounts. I have not had a response. 
The loans were serviced through XXXX at the time I was making these payments, please see previous complaint # XXXX. 
The response to this complaint was to go through Fedloan servicing which I already attempted. Please assist.

Company response to consumer: Closed with explanation