vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XX/XX/year>, I applied for a CapitalOne credit card through XXXX account, which advertised no hard inquiry unless approved. Application # XXXX. On XX/XX/year> I spoke with a CapitalOne fraud XXXX to verify my identity. I never heard or received any information or notification from CapitalOne since that time. On XX/XX/year>, I called to find out the status of my application. The first representative I spoke with found and verified my application, reviewed the steps of the application : " XX/XX/XXXX - submitted ; XX/XX/XXXX - additional information needed ; XX/XX/XXXX - verification call ; XX/XX/XXXX - denied by underwriters. '' He further indicated that this application needed to be handled by a fraud specialist and transfered me to XXXX. XXXX looked into the application and verified the same information but could not explain why I never received any notification of the application status or decision. XXXX transferred me to a supervisor who told me the first two representatives were lying and the application was denied on XX/XX/XXXX, which was before the identity verification phone call and underwriter decision. Regardless, I never received any notification of the adverse action : application denial as required by FCRA Adverse Action Disclosures Section 615 ( a ) and ( b ) ; 15 U.S.C. 1681m ( a ) and ( b ). Section 615 ( a ) - ( b ) requires users of consumer reports, such as creditors, to make certain disclosures when they : 2. deny credit for personal, family, or household purposes or increase the charge for such credit based in whole or in part on information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 

*****CapitalOne is therefore in violation of FCRA by not providing this written disclosure of the adverse action. 

****No attachments because CapitalOne never provided them. 

****Second issue was the guarantee by XXXX XXXX CapitalOne XXXX MyExperian.com partnership to only perform a soft inquiry on my credit report unless I was approved. CapitalOne violated this agreement with XXXX and placed a hard inquiry on my credit report on the date of the application. This inquiry should never have been placed on my credit report as per the advertisement on MyExperian.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
PLEASE SEE ATTACHED CFPB COMPLAINT dated XXXX -- -- We dispute any purported debt. Answers submitted on this site through the steps to get to this point where made to submit the attached claim and plea for help. A ). ISSUE : Fraud from inception. B ). MISSED PAYMENTS : " Debt '' not validated. Don't believe payments are owed. It is not to be construed that we have any obligation or agree there ever was a valid " loan ' or " debt ''. This complaint is based fully on fraud committed against us. No proof of claim or validation has been provided to us even after lawful request which they failed to make required response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America credit card consumer. Unable to contact enterprise military staff benefits unit at B of A. AI chat is gate keeping. Unable to address having a credit card account that does not reduce payments after a year of paying the same amount every month. What kind of interest is producing this action? I do not use the card I just make timely payments. 
Consulted staff at branches, it takes so long to connect with credit card division for in-house staff. Prompted by the Federal Trade Commission to connect with CFPB due to being retired military.

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 2024-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
Opened my sole prop checking online, never visited a branch. After being charged monthly fees I was not expecting, I zero 'd out the account and tried to close. Waited hours on hold only to be told they wanted me to travel a long distance to a branch I had never been to before, otherwise they would refuse to close it. I don't live near a branch and it was never disclosed that traveling to a branch was required for basic banking functions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
While at work, I received a fax from XXXX XXXX XXXX. This fax did not just go to me, this fax went through the company and hit my XXXX Managers desk as well as my Head of IT. This is very embarrassing as they claimed that i have requested for a payoff of the account. I have not as i have a payment plan already currently in place for them. They auto debit my account once a month. 

This is very embarrassing and could hold repercussions on my position within my company. I have placed a call to the company however have not been able to get a return call to direct my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IN

Complaint narrative:
Subject : Request for Provisional Credit - Dispute Claim XXXX Dear Chime XXXX  and Fraud Team, I hope this message finds you well. I am writing to follow up on my dispute claim number XXXX regarding the credits not posting to my account associated with XXXX XXXX XXXX ( Amount ) {$27.00}. 

This dispute is legitimate and has the support of both the Indiana Attorney General and the Consumer Financial Protection Bureau ( CFPB ). The ongoing issues have caused significant stress, and I would greatly appreciate your immediate attention to this matter. 

In light of the circumstances, I kindly request a provisional credit to my account while the investigation is underway. This would help alleviate some of the financial strain I am currently experiencing. 

Thank you for your understanding and prompt assistance with this request. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
Email Received Confirm your details to reactivate Hello XXXX XXXX, We are reaching out to let you know that your Coinbase account is restricted because you did not update the personal information we have on file for you, otherwise known as Know Your Customer or KYC information. 
Your Account is Currently Restricted As communicated to you in previous emails, we are required by law to periodically re-confirm our customers XXXX information. Unfortunately, your account was restricted after you failed to update your information by the deadline we previously gave you. 
Reactivate Your Account Today The good news is, it's not too late - you can easily reactivate your account and regain full access by completing your XXXX update now. 
How to Reactivate Follow these simple steps : Log in to your Coinbase account Follow the on-screen instructions to confirm your information Once verified, your KYC account restrictions will be lifted and you can continue using Coinbase like before. 
We want you to continue being part of the Coinbase community. Please take a minute to confirm your KYC and start trading again. 
Kind regards, XXXX Coinbase XXXX -- -- -- Can not speak to Company by phone. Can not email Company. They provide no contact information in emails. The web site was changed and can not display web site to even log i on iOS 12.4.1. Found support XXXX XXXX however the company sends reply they will not respond. Only respond after login, which I can not due to coinbase.com changes in web site and XXXX XXXX without notice. 

Coinbase, XXXX is unreachable. Coinbase has locked me out of using the web site and app on XXXX XXXX and XXXX XXXX. Then proceed to lock my account from use and threaten to delete. 

Require Coinbase to remain compatible with Operating systems for a minuimum of 8 years ( which is the stature of limitations for maintaining all financial data ) from last update / security fix For XXXX XXXX it starts in XXXX. For XXXX XXXX XXXX it starts direct XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-06 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
Writing to request the removal of an inaccurate account reported by National Credit Systems on my credit report. This company has provided inconsistent and incorrect information across all three of my credit reports, violating the Fair Credit Reporting Act ( FCRA ). 

The FCRA requires that ALL information reported on credit reports must be accurate, complete, and timely. National Credit Systems has failed to meet these legal standards, and their reporting is harming my credit standing. Demand that they remove the account immediately.

Made several requests to National Credit Systems, telling them I never gave their company access to my credit report and that my social security information was stolen in data breach. They refused my requests without taking any steps to verify the accuracy of the information. Urge you to address this issue promptly and ensure compliance with the law. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: LA

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. 

Account Name : XXXX XXXX - Account number : XXXX Account Name : XXXX - Account number : XXXX Account Name : XXXX XXXX XXXX - Account number : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

XXXX  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 the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: NV

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: NV

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 2024-09-06 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
After reviewing my credit profile I noticed quite a few inquiries that are not mine.

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 2024-09-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM UNABLE TO GET MY REPORT FROM THE CREDIT REPORTING AGENCIES. PLEASE TO UPDATE MY ADDRESS AND ENSURE THAT MY NAME IS AS LISTED ON MY IDENTIFICATION CARD AND REMOVE ALL OTHER VERSIONS OF MY NAME AND ADDRESSES THAT DOES NOT BELONG TO ME MY ADDRESS IS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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