vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
They didnt text me directly, they texted a family member and I dont know how they even obtain their number but they texted them this in exact words We are looking for location information for XXXX XXXX XXXX Please call us at XXXX today to speak with a live representative. 

And my family member texted me concerned because it sounds urgent as if something is wrong. I dont know how or why theyre contacting family members or how theyre contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XXXX XXXX XXXX harrasing me about a Debt thats not my Debt, I've never done any Business with XXXX XXXX XXXX, please delete from all my credit breuras

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 2024-02-14 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:
I did not give expressed written consent to or authorized any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy. Please be reminded, no consent is identity theft. 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 4. XXXX XXXX XXXX. I've requested that the company send me a letter giving permission to report this to my credit profile according to pursuant 10 15 USC 1681-C 2 and they have failed to so. I demand that these accounts be removed promptly from my credit profile within 4 business days. Thank you for your timely compliance.

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 2024-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
XX/XX/XXXX Our home changed mortgage service providers to Newrez. 
XX/XX/XXXX Newrez had failed to my Homeowners insurance from escrow and applied their own insurance to the property. 
XX/XX/XXXX Newrez sent past due insurance and previous insurance was reinstated. 

Received letter in mail XX/XX/XXXX that Newrez again failed to pay homeowners insurance from escrow and insurance would be canceled XX/XX/XXXX. Had to spend the next 2 hours between the insurance provider and Newrez. I have no reason to believe Newrez will correct this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: MN

Complaint narrative:
Chase states on their credit card website " Pay this balance every month by your due date to avoid interest on new purchases and prematurely paying off your flexible financing offer balances. ". This action was completed days prior to the due date and yet they charged interest. Speaking with Chase customer service directly they stated you need to have XXXX revolving balances for 2 months, or pay the entire balance off, in order to avoid interest. No where on their website, or monthly statements, is this communicated. Its a clear bait & switch of providing an 'Interest Savings Balance ' number, and then still charging interest. Omission of facts is a lie- and they clearly mastered that on their website/statements. Communicating all this to Chase Customer Services yielded multiple redirects, blame placed on 'the system ', no reimbursement for the incorrect interest, and finally the escalation team hanging up the call as they were not able to provide any resolution. Predatory and lack of resolution are the themes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I've had an account with XXXX XXXX that underwent an audit a few years ago. Recently, I opened a credit card with Barclays, which is co-branded with XXXX. I linked my frequent flyer number to the card and earned a sign-up bonus. However, when I attempt to log in to my XXXX account to use the miles, it states that my account is still under audit and can not be accessed. 

In the meantime, I've fulfilled the necessary spending requirements to receive the bonus, but I can not utilize the earned miles.

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 2024-02-14 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: FL

Complaint narrative:
I submitted a previous complaint to XXXX, Transunion, and XXXX to delete inaccurate information on my credit report that was fraudulently initiated. I requested for the information to be deleted and blocked, however XXXX failed to completely comply. I was a victim of an XXXX data breach which I previously submitted proof regarding. I also was a victim of identity theft when personal documents including my social security card and birth certificate but not limited to were stolen. My previous complaint ID 's are XXXX, and XXXX. I am now again submitting a complaint to have all items I listed deleted and blocked with a police report as proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX all need to be deleted and blocked. I'm also requesting punitive and statutory damages of {$1000.00} each for all violations currently still listed on my report and for the information that was removed from my last complaint.

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 2024-02-14 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: FL

Complaint narrative:
I submitted a previous complaint to XXXX, XXXX, and Experian to delete inaccurate information on my credit report that was fraudulently initiated. I requested for the information to be deleted and blocked, however XXXX failed to completely comply. I was a victim of an XXXX data breach which I previously submitted proof regarding. I also was a victim of identity theft when personal documents including my social security card and birth certificate but not limited to were stolen. My previous complaint ID 's are XXXX, and XXXX. I am now again submitting a complaint to have all items I listed deleted and blocked with a police report as proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all need to be deleted and blocked. I'm also requesting punitive and statutory damages of {$1000.00} each for all violations currently still listed on my report and for the information that was removed from my last complaint.

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 2024-02-14 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I did not give consent to XXXX, authorization, nor benefit from any of the following inquiries. Inaccurate Information : 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. I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. Please Delete these immediately because I gave No one permission, Nor did I authorized anyone to run my credit, or to release my information ( U. S. Code 1681b, Permissible Purposes... ). I also have the right to privacy according to the FCRA 15 U.S. Code 1681 section 602 A. This is a grave violation of my rights as a consumer, so delete this Hard Inquiry off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit 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 non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Im a XXXX veteran living off VA XXXX income of $ XXXX. Which is {$26000.00}. They gave me a credit card with a {$25000.00} balance. This was negligent and irresponsible and only approved because Im XXXX. If I was XXXX they would have never given me this credit card with the absurdly high limit for someone so poor. It was a setup and trap on a young person with financial ignorance. They followed none of their policies in approving me. I did not qualify for what they handed over and they need to acknowledge they made a mistake. Navy Federal Credit Union was just caught disapproving qualified XXXX people from home lones during the same period they approved me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: OK

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 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 HAVE ATTATCHED A COPY OF THE FTC FRAUD AFFIDAVIT FOR YOUR REVIEW I DEMAND IMMEDIATE REMOVAL AND CURRENT AND FUTURE BLOCKING FROM ALL ACCOUNTS AND CREDITORS 2. 1. Validation of the debt-that is the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 6. Please provide the original docurse and wet signature if you can't provide these items Delete 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 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
XXXX XXXX merged with XXXX. Balance was paid to XXXX XXXX when service was canceled, 5+ years ago. Debt collection agencies, keep transferring the false debt back and forth to each other and just changing the amount they say is owed, in order to have it placed on my credit report. I have disputed it each time, and each time it is removed for not being able to provide proof of debt. Credence Resource Mgmt sold it to XXXX XXXX in XXXX, it was removed after disputing it, and they sold it back to Credence Resource as of XX/XX/XXXX. I have attached copies from XXXX showing it being deleted, sold and reported again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
RE : XXXX XXXX ; CFPB Case # : XXXX Account Number : XXXX Original Creditor : XXXX XXXX Current Owner : LVNV Funding LLC I am writing to follow up regarding the matter of an outstanding account that has been associated with several entities, including XXXX XXXX , XXXX, LVNV Funding LLC , and Resurgent Capital Services . As I have become aware of the involvement of these entities in relation to the account in question, I am hereby requesting documentation and proof of your ( Resurgent Capital Services ) in connection with this business matter. 

To provide some context, the account in question originated on XX/XX/XXXX, with XXXX XXXX  and was opened with XXXX. The last payment received on the account was on XX/XX/XXXX, and it was subsequently charged off on XX/XX/XXXX, with a remaining balance of {$1300.00}. It has been brought to my attention that LVNV Funding LLC allegedly purchased the account. 

However, despite this information, I have not been provided with any documentation or evidence demonstrating how both you and LVNV Funding are involved in this business matter. It is imperative for me to understand the nature of your connection with this account and to ensure that all parties involved are operating within the bounds of the law. 

Therefore, I kindly request that you promptly provide me with any and all documentation, proof of assignment, or other relevant information pertaining to your involvement with this account. This documentation will help me to better understand the situation and take appropriate actions if necessary. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation at your earliest convenience. 

Sincerely, XXXX : XXXX agent for XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Michael Wayne Investment
State: NY

Complaint narrative:
Been garnished for property that was sold 16 years ago and no longer in possession of. Never received any letters or communications from the creditor before I was served after it went to court and the debt isnt on my credit report. Theyve garnished my 4 times in the past before and they continue to do so til this day. The debt has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: GA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-02-14 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: 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