vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
XXXX Complaint with Capital One Bank for Illegal Fees and Interest. They responded to the complaint and they have credited the accounts for the fees, However, these are closed accounts and are never going to be reopened and the money needs to be sent to me in a check form from Capital One bank  so I have access to that money. That is my money that they charged to my accounts illegally. They did this on two of my accounts, Account ending in XXXX, Account ending in XXXX. I would like a check in the amount owed ; {$18.00} sent to my address, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. A check shouldve been sent To my residence regarding these fees, The accounts were already closed, in the right thing to do here wouldve been to mail me a check for that amount so I dont have to keep asking this company to do the right thing when thats the right thing when you owe someone money you send him a check for the amount that you owe them. If I dont get the money, then I will file a claim, Then I will ask for fees for that I have to spend money for, That means they will pay for the claim, My time, Interest fees, And I will ask for other damages if this is not rectified. In a small claims court I can do this Because this company is not following the rules and regulations of banking policy and procedures. I also also expect the account XXXX to be put on a payment plan of {$80.00} a month, I am offering more than I couldve paid before and this is what Im asking for. I want it on a payment plan for the duration of the account so that I can pay it off. Capital One did not stand transparent, on what actually took place. You can not deny a XXXXXXXX XXXX and XXXX XXXX XXXX XXXX and or family member, Programs they have rights and access to. The responsible thing is to allow me to pay the account off at an amount that I am able to pay off, Otherwise, I will take this matter to small claims as well. I will file paperwork. I will bring this attention to the judge. This has been going on for over a year. I am trying to do the right thing however this bank thinks that it can avoid policies, procedures and laws set up by the banking industry, And there are rights that XXXXXXXX XXXX and XXXX XXXX have that these banking industries can not deny it is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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:
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 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 2024-05-30 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

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 2024-05-30 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: PA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-30 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: TN

Complaint narrative:
There are inaccuracies on my equifax report. The accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX have inconsistencies between the 3 credit bureaus. Those accounts are not listed on my XXXX  report nor XXXX and this problem needs to be fixed with equifax this is harming my credit and needs deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the 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 2024-05-30 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: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/year> - Went to XXXX XXXX XXXX, in XXXX XXXX Oregon, where I completed a loan application for a loan / prequalify for a mortgage. My loan officer was XXXX XXXX, she can be reached at ( XXXX ) XXXX. 


At or about XXXX PM, XXXX XXXX attempted to access my Equifax Credit Report, when she attempted this, Equifax displayed information indicating there was a freeze on my Equifax Report. She then asked me to call Equifax, so that we could proceed with the approval process. 


At or about XXXX PM, I spoke with an Equifax Credit Representative, who told me there was a freeze on my credit report. I explained that I had not put a freeze on my report, the representative was not sure how it got there, but said he would remove it immediately, asked me to have the banker to try again in a few minutes. 


She tried again at XXXX PM and then again on XX/XX/year>, my Equifax Credit Report still could not be accessed by the credit union. 


At XXXX : XXXX XXXX, once again contacted Equifax Credit and the representative told me that was credit report was frozen and that I needed to mail, a copy of my driver 's license and social security card to them prior to allowing 3rd party access to me Equifax Credit Report. 


This action by Equifax appears to be retaliatory for my previous complaint with CFPB # XXXX, dated XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Fig Tech Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I was in a 3 year lease with GM Financial and my last lease payment was XX/XX/year>. I've never been late, or missed a payment. Regularly checking my credit report, I noticed GM Financial flagged my account with a 30 day late payment, dropping my score XXXX points! I reached out to GM Financial and they made me send bank statements to verify that I paid. I never heard anything else from that point on and my score never went back up. With my lease being in the last month, the dealership advised me to fix a few scratches before handing it in. The auto repair shop was directly next door to the dealership and when the vehicle was fixed, I drove to the dealership to turn it in. Upon arriving to the dealership employees and customers were all packing up and walking out. The manager locked the doors and said they were locking everything up because of XXXX. ALL dealerships and businesses were shutdown. In phase 3, after keeping the car for an additional 3 months, I was finally able to turn it in. GM Financial was now trying to charge me late fees, amongst other fees. I tried to speak with management and was given the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
A fraudulent and loyal Truist Bank customer or account holder tricked us to believe his attempts and he proved to be a professional scam artist. This crime has been filed before so, all history of documents should be in your computer! Truist simply permitted our money to be deposited into their account holders account and Truist let him take our wired money and Truist let him go free! Truist has been very bad in their protection of their security system. This is totally tiring and very embarrassing. Please help us! Truist is not willing to help us!

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 2024-05-30 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: IN

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 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Cavalry Portfolio placed a collection account on my credit reports in the amount of {$4300.00}. I do not have an account with this company and asked for proof of ownership in the form of an assignment, bill of sale or purchase agreement bearing my name. I did online research and learned that I am entitled to this proof per XXXX XXXX XXXX XXXX XXXX XXXX 

Cavalry Portfolio never responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: IN

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 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 2024-05-30 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: IN

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 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am writing to formally lodge a complaint against Jefferson Capital Systems for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations, which have adversely affected my credit report. 
1. Re-Aging of the Account : does not have accurate payment history data. Per FCRA Section 623 ( a ) ( 5 ), any debt sold to a new owner must use the original Date of First Delinquency ( DOFD ). The seven-year reporting period is based on the original DOFD and can not be reset by the new owner of the debt. This re-aging of the account is a clear violation of FCRA regulations. 
2. Inconsistent Payment History : This discrepancy demonstrates a failure to adhere to FCRA Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. The inconsistent reporting dates indicate a lack of accurate and reliable information. 
3. Inaccurate Reporting : According to FCRA Section 611 ( a ), I have the right to dispute any information in my file that I believe is inaccurate. The conflicting dates provided by XXXX and XXXX indicate a lack of consistent reporting. Furthermore, as per FCRA and CFPB guidelines, the original XXXX must be used, and this date does not change even if the debt is sold to a new creditor or collection agency. The current reporting fails to reflect this requirement accurately. 
4. Unverified Collection Accounts : I attempted to verify this debt by contacting the collection company, Jefferson Capital Systems, who were unable to verify my account despite providing my social security number. Additionally, the agent hung up on me, which is unacceptable and a violation of my rights under FCRA Section 623 ( a ) ( 8 ), which mandates that furnishers of information must promptly investigate and respond to disputes. This account lacks an accurate payment history and has not been properly verified.

Requested Actions : Immediate correction and removal of the inaccurate information from my credit report. 
Written confirmation of the deletion or correction. 
Investigation into the practices of, Jefferson Capital Systems for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
Re-submission of same claim as documented under XXXX, which, alas, has still produced no actual proof in support of the company 's claims that any terms and conditions documents were ever provided with the initial cards. To date, this has gone unproven, and I will continue to dispute what is undoubtedly a lie, until satisfaction is given! What proof will you provide that supports the allegations made? Please advise accordingly. Thank you. P.S., it would be in your company 's best interest to comply, so that I will put an auspicious end to this wholly disappointing course of conduct that your organization is so willing to perpetuate. I will not accept any outcome other than equitable indemnification of the misappropriated funds, and I have no intention of departing from that righteous path. As such, it would behoove you to alert your supervisors of this steadfast dedication to what is right, and simply return the wrongfully stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: VA

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation