vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MIDFIRST BANK
State: TX

Complaint narrative:
To Whom It May Concern : Loan # XXXX for XXXX XXXX XXXX XXXX XXXX TX XXXX under the names XXXX XXXX and XXXX XXXX is being reported late to the credit report. This is in the process of getting mortgage assistance due the corona virus because of financial hardship and loss of income. We were told it would not be reported late until after the process was completed. However, there have been 2 late payments reported to XXXX credit agency. I am requesting this be taken off ASAP as you have done this in the past. This is the 3rd time you have done this and this lowers our credit score. There should be NO LATE PAYMENTS REPORTED while the application is in process. If you need to contact me please contact me at XXXX. Please remove this ASAP. You reported this as late on XX/XX/2023 on XXXX. The late payment information is below : Credit Alert Delinquent Account Reported By MIDLAND MORTGAGE - A DIV Reported On XX/XX/2023 The loan is under a mortgage modification program due to corona virus and should not be reported late at all and no negative information should be put on the credit report because of this. This is the 4th time Midland has reported this late!!

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 2023-04-28 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: PA

Complaint narrative:
I am writing this letter to have inaccurate items removed from my credit report as I am a victim of identity theft, and I did not make these charges. The items I need deleted due to the theft of my identity are listed on this document. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commissions Identity Theft Affidavit. Please remove these items as soon as possible.

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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: MS

Complaint narrative:
I recently had my name legally changed. I submitted the required documents to Cash App on XX/XX/2023 so that the name on my account and Cash App debit card can be updated. I also requested a debit card with my new legal name on it. It's been two weeks and I have yet to receive a card with my new name, nor have I received any updates about the status of the name change. When I've reached out to Cash App support regarding this issue, I receive the same canned response every time ( from customer service reps and their supervisors ) : " We've escalated your case and our team is working hard to resolve your issue. For reference, your previous case number is XXXX. '' They've confirmed that they've received the documents that are required to process the change. I've updated my name with all of my banking/financial institutions over the past three weeks with no issues. I'm confused as to why Cash App has not been able to successfully process the change and why no one is able to give me any information as to why this hasn't been completed after 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: NC

Complaint narrative:
I have ( 3 ) accounts that are inaccurate on my credit report.

( 2 ) accounts from XXXX XXXX XXXX ( loan and credit card ) ( 1 ) account from XXXX XXXX  ( loan ) 15 USC 1681A ( 2 ) - I didn't give written permission to have those accounts furnished on my report

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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I would like to dispute the accuracy of my credit report, which shows late payments on my accounts. I have always paid on time and have never been late with any payments, and it is therefore absurd that my credit report would indicate otherwise. Please update my credit report to reflect the correct payment history on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: IL

Complaint narrative:
Experian you failure to verify information given to you company by a paid subscriber ( FPB ). XXXX XXXX XXXX record states that the last payment to account ending in XXXX is XX/XX/2017 ( year & month ) in the amount of {$130.00}. however XXXX XXXX XXXX is reporting to Experian credit reporting agency in payment summery that there was 4 additional payments made on account ending in XXXX the months of XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017 when in fact NO payment was ever made after XX/XX/2017 by XXXX own records but 4 additional payment is being reported to Experian. XXXX has knowingly and repeatedly reported inaccurate information once again I have attached these same supporting documents for review at this time XXXX and XXXX has already deleted this account from their records for the same inaccurate reporting I'm aware that XXXX pays Experian for reporting but Experian also by law has a responibilty to verify information giving to them before placing it on a consumer record and Experian has failed to do so.

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023, I voluntary closed my Capital One credit card accounts by contacting customer service at the XXXX number and speaking to an agent. The agent cancelled my credit card accounts during that phone call. However, at no time during that recorded call was I told that I needed to separately contact XXXX XXXX  ( a division of Capital One ) and request that my XXXX XXXX monitoring program should be cancelled. 

On XX/XX/2023, I received an email stating that Capital One was monitoring my credit score and it had not changed. The email had the Capital One logo all over it and also the name XXXX XXXX. A simple XXXX search reveals that XXXX XXXX is an agent/affiliate of Capital One companies On XX/XX/2023, immediately after receiving the email, I contacted Capital One and advised the agent that my accounts were previously closed and that Capital One no longer had my authority to continually monitor my credit score. That program, since it is affiliated with Capital One, should have been cancelled when I cancelled my credit cards. 

After an approx. XXXX minute phone call, and after speaking with 3 different agents, Capital One advised me that 1 ) XXXX XXXX is a separate request that must be cancelled separately apart from cancelling CC accounts ( despite the fact that I was never told this on the initial call nor did I ever receive any written notification of same ; 2 ) the 3rd representative told me she was cancelling my XXXX  XXXX account however she could not provide me with any written confirmation/email or letter nor could she provide me with any confirmation number because her " system wouldn't allow it '' and that was just Capital One 's " procedures. '' After I requested again for such confirmation and after she placed me on hold numerous times, she finally gave me her name : XXXX and her ID # is XXXX. 

I believe Capital One 's actions are unethical, and their practices and procedures are extremely unhelpful and leave customers with open accounts without their knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Payfare International Inc.
State: OH

Complaint narrative:
I was using my paycard to get a XXXX subscription and it wouldn't process the payment and when they seen activity on the account with my XXXX XXXX  prepaid card they suspended my card for suspicious activity when it was me the entire time and now I can not use my card and now I been calling for the last two days stranded without access to my funds and every time they keep doing the same thing over and over telling me they have to submit another ticket to solve the problem and nothing happens and keeps saying and doing the same thing over and over with no way to contact the bank to even get the account unlocked they keep spinning me into the same unresolved issue and nothing is being done I'm tired of this back and fourth with nothing and no real customer support to resolve the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
This is regarding two accounts : Capital One 360 Checking ( XXXX ) and Capital One 360 Performance Savings ( XXXX ). 

My wife and I sent written, notarized closure requests dated XXXX XX/XX/2023 via XXXX XXXX Mail to Capital One at XXXX Capital One XXXX, XXXX, VA XXXX and Capital One, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX ( forwarded to XXXX XXXX, NV ). XXXX tracking reports these requests were received by Capital One on XXXX XXXX and XXXX XXXX, respectively. 

We mailed these requests to the addresses given on Capital One 's website ( https : //www.capitalone.com/help-center/contact-us/bank-account-support/, https : //www.capitalone.com/about/corporate-information/corporate-offices/ ) and as given on our bank statements. 

We received no acknowledgement/response from Capital One to either the given email or mailing address as on file with our account ( s ), though we continue to receive emailed, automated statement notices and a great deal of phishing email impersonating Capital One. 

We sent follow-up requests via XXXX XXXX mail dated XXXX XX/XX/2023 to Capital One Bank/Financial Corp. XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX received XXXX XXXX ) and to XXXX Capital One XXXX XXXX, VA XXXX XXXX received XXXX XXXX ). 

To date, we have received no acknowledgement/response, queries, outreach or guidance from Capital One with regard to our closure request to either the email or home/mailing address provided and as on file with our account ( s ). For this reason, and because we continue to receive only automated account notices from Capital One, we suspect our closure request has not been processed.

We feel we have given Capital One a more than reasonable amount of time to process our closure request and to remit written confirmation that our checking and savings accounts have been closed. Because Capital One has failed to communicate anything whatsoever to us in regards to this closure request, we are reaching out to the CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called the special department at Transunion in reference to an inquiry that is a result of fraud. I was given the run around. I was told that even though I have an extended fraud alert and have provided countless documentation showing that I have repeatedly been a victim of someone trying to fraudulantly use my credit. I was given the run around about the most resent inquiry that I disputed. Basically, I was told that I have to start the entire process over, they representative claimed that they dont have a record of a police report, identity theft report or disputes of fraudulant inquiries. I factually sent them this informatio via the consumer finance bureau. Prior to that I sent it several times via mail, daiting back to 2005 when my late first husband 's family member stole my identity.

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 2023-04-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX has violated my rights with 'Account # XXXX '' with the misuse and and misreporting of these accounts on my report. They should deleted immediately due to my rights as a consumer. The rights are listed below : USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the 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 explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am experiencing XXXX XXXX due to the inaccurate late payment that is appearing on my account, despite the fact that I have always made my payments on time. This issue is affecting my ability to sleep and is causing me significant distress. I implore you to take urgent action to update my account and remove the erroneous late payment from my record as soon as possible.

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 2023-04-28 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights with improper reporting to my credit report. 

USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

IMMIDIATE ACTION IS REQUIRED

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 2023-04-28 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights with improper reporting to my credit report. 

USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

IMMIDIATE ACTION IS REQUIRED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: PA

Complaint narrative:
I am writing this letter to have inaccurate items removed from my credit report as I am a victim of identity theft, and I did not make these charges. The items I need deleted due to the theft of my identity are listed on this document. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commissions Identity Theft Affidavit. Please remove these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. XXXX XXXX XXXX XXXX  has an account in my name that was not owned by me. I have never opened an account with this company. I have requested numerous times for the account to be closed and information be deleted from my account. The account shows on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have ( 3 ) accounts that are inaccurate on my credit report.

( 2 ) accounts from XXXX XXXX XXXX ( loan and credit card ) ( 1 ) account from XXXX XXXX  ( loan ) 15 USC 1681A ( 2 ) - I didn't give written permission to have those accounts furnished on my report

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