vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account XXXX XXXXXXXX Case # XXXX According to the XXXX XXXX XXXX, these negative marks are in violation of the law, and I kindly request their removal from my credit report. 

As you may be aware, I filed for XXXX XXXX XXXX  in [ Year of Filing ] in order to reorganize my finances and work towards repaying my debts in a structured manner. Per the terms of XXXX XXXXXXXX, a debtor agrees to a court-approved plan to repay creditors over a period of time, typically three to five years. During this time, creditors are legally bound to adhere to the terms of the XXXX plan and are prohibited from taking adverse actions against the debtor, including reporting negative marks on the credit report. 

It has come to my attention that Capital One has reported 46 negative marks on my credit report in relation to my XXXX. However, under XXXX XXXX, creditors are not allowed to report negative information that predates the XXXX filing, nor are they permitted to report any actions taken in violation of the XXXX plan. Therefore, the presence of these negative marks on my credit report constitutes a violation of the law. 

I understand that accurate reporting of credit information is essential for maintaining the integrity of the credit reporting system. However, it is equally important that creditors adhere to the laws governing XXXX proceedings and refrain from taking actions that could undermine the purpose of XXXX  reorganization. 

In light of the above, I kindly request that Capital One take immediate action to remove the 46 negative marks associated with my XXXX from my credit report. I believe that this action is not only in accordance with the law but also in the best interest of both parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
This is a shady collections company. 

They failed to follow any of the legal ways to contact me before reporting me to a credit reporting agency. This debt wasn't even known. They ruined a home sale that was about to take place. 

Per CFPB A debt collector must use at least one of the following ways to contact you about your debt before it sends information about the debt to a credit reporting company : Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 

None of the above was completed. I have 2 years of emails and none from them. They reported me without calling, mailing, talking in person or sending a email. Their email 's get sent to spam by XXXX or don't come through. 

This is known by this company yet they shady practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # 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.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just got my credit report on XX/XX/XXXX and another some accounts on my credit report and complete and accurate which is a violation of 15 USC 1680e ( b ).

This also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 168i ( 5 ) ( A ) ( i ) & ( ii ). At This point I believe they are doing this on purpose according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepared consumer report shall follow reasonable procedure to assure maximum possible accuracy of information concern in the individual about whom the report relates. They must be XXXX, because everything is inconsistent.

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 2024-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paramount Recovery Systems, L.P.
State: MI

Complaint narrative:
On XX/XX/2024 a new collection appeared on my credit report. No previous contact was made from this collection agency to myself. A dispute was filed with the Credit Bureau, XXXX. Upon researching this account, it appears that the company acquired this account on XX/XX/2024. NO attempts were made to contact me prior to reporting this SIX YEAR OLD account on my credit report. I do not believe this is a valid debt. I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX or XXXX I was notified of an attempted charge on my card by instacart. I DENIED this charge and informed them it was NOT ME. 

XX/XX/XXXX - I was then fraudulently charged for {$100.00} from " instacart '' after informing my bank it was not an authorized charge. I have not had this service in over two years and I did not approve this charge. My bank completely ignored this fact. 

I called chime to file a dispute. Several days later, after no response, I called again, and they had no record of my dispute. I filed the dispute a SECOND TIME. Still after a week passed with no response. I reached out a third time, only to be told my claim was denied with no further details, and there had been XXXX contact with me regarding this. I was told that I could appeal by submitting documentation. I had already submitted all relevant documentation. I also contacted instacart, and had a very similar experience. No call back, information about my case was lost. I have called them several times with no response regarding this. I am desperate to have this resolved. Bottom line : I was charges for an annual subscription for an account that isn't mine after already warning my bank about the charges the first time it was attempted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
On XX/XX/XXXX we were attempting to buy tickets to a football game. Payment was made via Paypal. We instantly knew we were scammed at the " instant tickets '' were not available and the man hung up on us. We immediately called the nubmer and it was disconnected. I called Paypal to stop payment. I called bank to stop payment. They are saying since we said, " friends and family '' we were not covered but would look into it. It was eventually sent to collections. 

I have contacted Paypal. They say to cover the {$600.00} and THEN they will work with our bank. however, the bank has nothing to do with it. They are not actively going after the man who scammed us. The case is closed. 

I have his " name '' which I'm sure is a scam. His email. As far as I know his account is still open and active and able to scam. Paypal is not pursuing this even though we did not receive our product. Even if we are not able to be helped with the amount owed- I do not believe that this man should be able to have an account. Can we get the money back from him? 

Paypal said they " front '' the money ... and it's too late. Trying to get this guy to be held responsible for his actions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: MN

Complaint narrative:
I sent a letter on XX/XX/2024, asking for my address to be update so i can remove other address from my credit report that is no longer associated with myself. I emailed XXXX XXXX and he responded that everything was ok and he updated my address. This morning on XX/XX/2024, i get an alert from my credit report saying i added a new address and it was not correct it was XXXX XXXX address. I emailed XXXX XXXX again and he said he updated it again. I also called in to express my issue and they said that they updated and it would take about 30 days which is unacceptable. I have a fraud alert on my credit report and this is causing me so much stress. There is a lot of fraud going on and this ran me through the roof. I also asked them for their mistake to waive the 30 day late reporting off of my credit report and still no response. This was an easy fix and now i am stressed out because i have to contact my credit bureaus to fix the problem and wait 30 days for their mistake i want something resolved about this before i take further action. This is not ok due there is a lot of fraud going on so XXXX XXXX can just update my information he needs to be removed from the company because its causing me a lot of stress trying to fix his mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I sent a letter on XX/XX/2024, asking for my address to be update so i can remove other address from my credit report that is no longer associated with myself. I emailed XXXX XXXX and he responded that everything was ok and he updated my address. This morning on XX/XX/2024, i get an alert from my credit report saying i added a new address and it was not correct it was XXXX XXXX address. I emailed XXXX XXXX again and he said he updated it again. I also called in to express my issue and they said that they updated and it would take about 30 days which is unacceptable. I have a fraud alert on my credit report and this is causing me so much stress. There is a lot of fraud going on and this ran me through the roof. I also asked them for their mistake to waive the 30 day late reporting off of my credit report and still no response. This was an easy fix and now i am stressed out because i have to contact my credit bureaus to fix the problem and wait 30 days for their mistake i want something resolved about this before i take further action. This is not ok due there is a lot of fraud going on so XXXX XXXX can just update my information he needs to be removed from the company because its causing me a lot of stress trying to fix his mistake.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit score decreased and there some incorrect information on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/2024 Bank of America Dear XXXX , lam writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency.

List Incorrect Names & Addresses List Erroneous/Inaccurate/Fraudulent Account Names Account Numbers This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1.

15 USC 1681e ( b ) - Accuracy of information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2.

15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report.

I request a thorough investigation into these inaccuracies.

3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed.

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely, XXXX ( PRINT Your Name )

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 2024-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CA

Complaint narrative:
PROBLEM/ISSUE - I need help with my mortgage payments every since my brother passed away as we were both title owners. I have received help from California Mortgage Assistance Program which always brought me current until I can recover from XXXX XXXX crises, due to loss of income renting to traveling nurses. I am still recovering with major setbacks with keeping up my home. Loancare offered me a modification which is totally unaffordable. I did not respond within the 15 days and it went into breach. In the meantime I got a letter from Loancare advising me to apply for California Mortgage Assistance Program again dated ( XX/XX/XXXX ), letter attached, in this complaint dates are extremely important and the issue. I did on XX/XX/XXXX. Since I did not respond to the 15 day return on the modification documents and I continued to follow up with Loancare, I was advised that the modification request could be reinstated, so I did to save my home. Received documents, signed, notorized and overnighted back to Loancare. I signed the documents on XX/XX/XXXX Loancare received the documents XX/XX/XXXX. I had already applied for the State assistance and it was in the process going quite well, as a matter of fact, they had sent the lender a request for a balance to catch up through XX/XX/XXXX. I had also sent Loancare a document that I wanted the states assistance as my interest rate would stay the XXXX vs XXXX dated XX/XX/XXXX, not forgetting I had signed the documents but it was not recorded, until late XX/XX/XXXX as I just received the executed copies ( 5 different packages ) XX/XX/XXXX with a letter dated XX/XX/XXXX. As I continue to follow up with Loancare called same day packages received.XXXX early afternoon and was told the modification could not be reversed and that they have already sent a objection/rejection response stating account is in modification, which puts my head on the chopping block, because that represents I am all caught up, moving foward with a XXXX} increase in my monthly mortgage. How convenient, as I shared my plans with my lender as they had instructed me to do, which was re-apply. I was advised to hold for the escalation department, I did for 48 minutes no one ever picked up to assist, ( which is not a surprise ) I hung up and decided to take another route, this information is it.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # 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.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To begin, per the FRCA, as a Federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given any of the Credit Bureau 's, written, un-written, verbal, non verbal, per 15 USC 6802. According to the Privacy Act of 1974, I have the right to privacy on Third Party Reporting Agencies putting derogatory or negatively impacting information ; as well as The Fair Credit Reporting Act 15 USC 1681 ( a ) and ( b ) that the credit reporting agencies can only place information about me, the consumer, with my written consent or else it will effective banking industry. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I have a side by side proof things have been mis-reported and I have attempted to dispute all of these inconsistencies with the XXXX companies. Equifax, XXXX and XXXX all have different information, some identity theft, some fraudulent activity and some reporting that I did not request. Equifax Request confirmation number : XXXX. I disputed with Equifax on multiple names that I did not put into their system, nor did I give them permission to use mis-spelled names. There were multiple un-mailable addresses included in my report with Equifax that they say were updated before my dispute. They were not updated. They have multiple hard inquiries I did not allow and therefore, identity theft and false reporting is still occurring today. There are multiple dates of inaccurate reporting and delinquent mortgage accounts on Equifax. NR and Untied wholesale both have late payments which have been disputed because they are not my debts. I have never had a XXXX Card and it's on my Equifax file as a closed account, which must be identity theft. As well XXXX, XXXX. I have received absolutely no correspondence from them.

Company response to consumer: Closed with non-monetary relief