vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today is XX/XX/XXXX. Today Capital one bank closed my accounts due to me reporting them to the CFPB. Instead of helping me the back office decided to close my accounts. All I needed them to do was verify my check so it wouldnt be on an extended hold. I needed to pay bills and get my kids a few things for XXXX. I have been going through such a rough patch and when I finally found out I would be getting my settlement the first thing I did was call Capital One to see what I needed to do with the check. Since I dont have any branches in California I was told I could see if the issuing bank would cash it and bring the cash to the atm or I could deposit it in the atm. I took my check to XXXX XXXX XXXXXXXX and they said they had to order that much cash. So I called Capital One again to let them know. The agent told me to just take it to the atm so I did. The agent confirmed that it did make it to my account and to check my email in a few hours for email about when the funds would be available. I received the email that stated funds would be available Friday XX/XX/XXXX so I was like thats not too bad and it showed I would get some funds on XX/XX/XXXX and XX/XX/XXXX so I was like ok at least I can pay my car note on time. I then received a second email that stated funds were going to be held until XX/XX/XXXX because they received information that the check would bounce. So now Im freaking out I called my lawyer to let him know. My lawyer said he didnt believe that capital one received the notice because that would mean the defendant in the lawsuit would be in big trouble with the state of California XXXX I called Capital One and they told me they put my check on hold because they called the business to verify and they didnt get an answer. I let them know it was a Friday and it was after XXXX XXXX  they were probably closed. They asked for information to verify the check my lawyer supplied them with everything they asked for but they refused to use the information. So of course Im stressed I wanted to pay my bills and get my account out of the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IN

Complaint narrative:
There were fraudulent charges made on this account US Bank between the year of XXXX. I reached out to US Bank regarding this matter and put in a fraud activity and every time I call them from years on in they never responded. They only transfer me from person to person that couldnt tell me anything.

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 2024-12-26 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: VA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

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 2024-12-26 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: NJ

Complaint narrative:
XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXX are inaccurate and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I asked Amerisave to terminate any applications I have with them on XX/XX/XXXX, and then on XXXXXXXX XXXX  I received an email stating they did a " credit denial. '' I have email proof of everything. I suspect a spiteful loan officer may have did this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Last year in XXXX, I had a business credit card with Chase bank, that accumulated over {>= $1,000,000} points which was the equivalent to {$21000.00} in rewards. The bank confiscated all XXXX points and closed the account. After initiating an investigation Chase reinstated my XXXX XXXX points and returned the {$21000.00} that was confiscated. Without any notice, and no outstanding debt owed to Chase ( the account was current and had a {$0.00} balance ) Chase reported a 60 day late payment to all credit bureau 's, which has severely impacted my credit. This is inaccurate reporting as there was never a late payment, no notices sent about any said late payment and they card was less than 6 months old and closed with a {$0.00} balance. 

I have spent numerous hours trying to speak to someone at Chase bank and no one is willing to give any information or their names or employee ID numbers. My credit went from XXXX to XXXX. 

Due to the inaccurate reporting of a late payment, and failure to provide any notice, I'm requesting the falsely made late payment mark be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover Student Loans on my credit account, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681 ( e ) ( b ). The reported information is inconsistent and does not accurately reflect the status of my account. 

**Details of the Issue : **\ Discover Student Loans has reported that my account was charged off ( CO ) for several consecutive years, but the reporting contains discrepancies that undermine its accuracy. Specifically, the account is marked as " charged off '' for every month in XXXX, XXXX, XXXX, and XXXX, as well as for the beginning of XXXX, with the following exceptions : - XXXX XXXX : ** Reported as " Closed '' ( CLS ) instead of " Charge Off '' ( CO ). 
- XXXX XXXX : ** No status is reported. 
- XXXX XXXX : ** Reported as " Closed '' ( CLS ). 

This inconsistent reporting raises questions about the validity and accuracy of the " charge off '' status that is repeatedly claimed across multiple years. 

**Violation of FCRA Section 1681 ( e ) ( b ) : **\ Under the FCRA, data furnishers are required to maintain maximum accuracy in the information they provide to consumer reporting agencies. The discrepancies noted above suggest that Discover Student Loans has failed to meet this standard, which has negatively impacted my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX and Experian for their failure to properly investigate and resolve a dispute I filed regarding an inaccurate medical collection account on my credit reports. Despite providing sufficient documentation to demonstrate the inaccuracy of this account, both bureaus have refused to correct the information. 

The details of the disputed account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I initially disputed this account XXXX XXXX, Experian, and XXXX. XXXX completed their investigation and removed the collection account from my credit report, acknowledging that it could not be verified. However, both XXXX and Experian have maintained the account on my credit reports without providing sufficient verification or explanation, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

In addition, the medical collection account in question does not match my full legal name as it appears on my government-issued identification. Furthermore, the account also lists an address that does not match my residential address. To further investigate, I contacted the collection agency associated with the account. Over the phone, they confirmed that the name associated with the account is similar to mine but not an exact match. This discrepancy further proves that this account does not belong to me and should not appear on my credit reports. 

Actions Requested : 1. Conduct a thorough reinvestigation into the disputed account. 


2. Remove the inaccurate medical collection account from my credit reports with XXXX and Experian. 


3. Provide a detailed explanation of the verification process used for this account. 



The failure of XXXX and Experian to resolve this issue is causing significant harm to my creditworthiness and financial stability. I request your assistance in holding these credit bureaus accountable and ensuring compliance with FCRA requirements. 

Attached to this letter, I have included : A copy of XXXX resolution confirming the removal of the account. 


A copy of my government-issued ID, showing my full legal name and address. 


Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will ensure a fair resolution and take necessary action to prevent future occurrences of such practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX Is incorrectly Reporting a {$200.00} debt on my credit report that I do not owe them. I will not acknowledge any collection agency and will only deal with Original Creditor. If there was a debt owed it was paid to the original creditor.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking 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 non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX is who my loan was provided by. They are using an affiliate XXXX. XXXX erroneously reported to the credit bureaus. This is the second time that this company has done this. They informed me that it was a system error the first time. I contacted them in XXXX as on my account page it was stating that I was late and I wasn't. They stated that it would be corrected. It was not. I expressed my concern because of what happened the first time and they assured me that it would not negatively report and they would fix the problem. I received notification today that my score dropped XXXX points. I called the company and was given the same info that it would be fixed but i need to call back on Monday. The last time it was only fixed because I had to file a dispute with the credit bureaus and my score never went back to what it was even after the dispute was finalized. This company has caused me unnecessary stress and XXXX. Times are very difficult and I am working diligently to maintain my bills and my credit worthiness. Their actions not only effect my score but my relationship with other companies. They need to be held accountable as they act as if they do not care that they are causing these unwarranted disruptions to my life.

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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Due to hardship I contacted XXXX a financial counseling services to help me with my credit card debt. On my behalf made an agreement with Comenity Bank for my XXXX XXXX credit card # XXXX to pay XXXX XXXX monthly. They made payments six payments of {$230.00}. I made additional payments to ensure my account was current. On XX/XX/XXXX I scheduled a payment of {$510.00} using the online portal. I checked my statements and could see all the posted payments made by XXXX on my behalf. 
XXXX I received a call from Comentity stating that my account had been charged off due to non-payment. Claiming that no payments had been received from XXXX. XXXX confirmed payments had been sent electronically to the correct account and accepted. When I asked XXXX to pull up my statements he verified he could see the payments from both me and XXXX but not on the system used by him. He would not help me correct the issue. 
Since the account was charged off he said if I didn't enter into another agreement where my account would be drafted $ 359 monthly I would be taken to court. He also said that any payments received would be deducted from my monthly draft. So I agreed under duress. XX/XX/XXXX a payment of {$230.00} was sent and on XX/XX/XXXX my account was drafted {$350.00}. 
When I inquired XXXX said he never stated that any credits would be applied and also said he never saw my statements with the payments from XXXX applied. All of the conversations were recorded. 
I have requested all my statements had have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.

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 2024-12-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Bureau LLC
State: FL

Complaint narrative:
Multiple attempts to work out principle payment payoff with company - tried to settle with company after impacts of Hurricane Debby and Milton - Company sold my interest portion of the loan to debt collector - Since then I have received no less than XXXX calls a day XXXX  days a week from the debt collection agency stating that I must give them a call and pay off a {$2800.00} outstanding balance after paying off the principle of the loan to the originating loan company of integra credit - I am now also receiving daily emails with documents to settle this loan from Asset Recover Bureau LLC for this amount of an interest only balance - between the nonstop phone calls from different numbers and everyone I block this is becoming harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Using a Bank of America credit card, I purchased services to be provided over a 12-month period from XXXX on XX/XX/year> for {$3900.00} as documented in an Enrollment Form. XXXX added an " integration fee '' of {$300.00} and a " carrier registration fee '' of {$50.00}, bringing the total to {$4000.00} and invoiced and charged my credit card for {$4200.00} which included sales tax of {$240.00}. As I live in Delaware which has no sales tax, I asked that the amount of sales tax be refunded which XXXX stated it could not be refunded as a separate transaction but instead they would charge my credit card the correct amount of {$4000.00} and then refund the improper {$4200.00} in a separate transaction. The refund was not forthcoming despite my several requests to XXXX. On XX/XX/XXXX, I brought the dispute to the attention of Bank of America and then followed-up with numerous phone calls with BofA explaining the situation and providing documents, receiving form letters stating the matter was being investigating, and then rejecting the claim with a form nonsensical letter, only to begin the process again. Now BofA has taken no action and claims we are beyond the " statute of limitations '' for righting a wrong. In the interim has delivered no services and conceded XXXX can not provide the services promised due to staff turnover and failure to complete software integrations XXXX claimed it had. At this point, I am out {$8500.00} and have wasted much time.

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 monetary relief