vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
last year i settled the XXXX capital one accounts that had delinquent balances that appeared under my social. However there is a third - balance is {$260.00} that no one has record of but it continues to report derogatory. I am unsure what to do at this point but it's not mine and this needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
The account is very old they have false info on my report this account was removed two years ago when I disputed it before they added it again no mail was received with false dates and false amount due

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Please reference previous complaint submitted that is now closed XXXX American Express prepaid gift card Card number XXXX XXXX XXXX XXXX Exp XX/XX/XXXX The response from the company said they would issue a check and send it to me within 7-10 business days of XX/XX/XXXX. It is well past 7-10 business days and I have received no such check. I have called the company. Called on XX/XX/XXXX at XXXX MST and was told I would receive an email with an update within 24 hours. They confirmed mailing address and email. There has been no email response and no check sent. 

The company does not respond nor has it solved the problem of repayment of {$300.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, am writing to file a formal complaint against the three major credit reporting agencies : XXXX, XXXX, and XXXX. This complaint is in regard to multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), particularly concerning the privacy and accuracy of my credit information.

Violations Include :. Privacy Rights Violation ( 15 U.S.C. 1681, Section 602 ) : All three agencies have mishandled my personal and financial information, compromising my right to privacy as protected under the FCRA.

. Unauthorized Distribution of Information ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : XXXX, XXXX, and XXXX have all furnished information about my account without receiving my explicit written consent, a direct contravention of the FCRA mandates. 

. Incorrect Late Payment Reporting ( 15 U.S.C. 1666b ) : Despite my diligence in making timely payments, the reporting agencies have inaccurately reported late payments on my credit profile, which is misleading and damaging to my credit standing. 

These actions by XXXX, XXXX, and XXXX not only violate specific provisions of the FCRA but also inflict undue harm on my credit reputation and overall financial well-being. 


I expect a prompt and thorough resolution to this matter and request to be kept informed of the progress. 

Thank you for your immediate attention to these serious concerns. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was told to make this report by XXXX. Between XX/XX/XXXX and XXXX, there were XXXX hard inquiries on my credit report. I did not apply for any new credit. My scores are now going down because of these. 
I need them off my report and I need to figure out how to stop this identity thief. 
I reported with the companies listed and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: GA

Complaint narrative:
I have 12 unautorised hard inquiries on my credit file and these reports were even repeated by the same companys, I have contacted them to have it removed, but each time I call, they tell me there's nothing they can do about it and always send me back k to the credit bureaus. 

After contacting the credit bureaus I was giving this site to make a report and also send some documents requested from the credit bureaus to complete the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: P&B Capital Group, LLC
State: GA

Complaint narrative:
P & B CAPITAL GROUP LLC has been requested to provide proof of debt and fails to provide debt validation. 

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: NY

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

Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX  Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my credit report again and the inaccurate late payment history is still on my credit 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 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Customer Support, I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to urgently address a persisting issue regarding my credit card account with your company. 
Since XX/XX/2023, I have been dealing with a concerning situation where I discovered an unauthorized balance on my closed account with Venture One Capital, under account number XXXX. The original credit limit on this card was {$4500.00}, and to my surprise, I found that the account had been closed, and an outstanding balance of {$11000.00}, including growing interest, was reported. 
I want to emphasize that I have not taken any loans or made any transactions leading to this balance. The associated card number ends in XXXX. Despite my numerous attempts, making over 40 calls to your customer service, unfortunately, I have not received any satisfactory explanation or resolution to this matter. 
This situation has caused considerable distress and confusion on my part. I recently recalled a past conversation with Customer Service where I reported issues with payments made to a vacation company using my Capital One card, ending in XXXX. Subsequently, a dispute was initiated without my full understanding, leading to the closure of my account. I am now aware that Capital One has taken action, but I am unsure about the details. 
I kindly request a thorough investigation into the matter and a prompt resolution to correct the unauthorized balance on my closed account, along with the associated interest charges that have accrued since XX/XX/2023. 
I appreciate your prompt attention to this matter and request that you respond to this concern at your earliest convenience. If necessary, please provide a contact person or department that can assist in resolving this matter efficiently. 
Thank you for your understanding and cooperation in addressing this urgent matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: NY

Complaint narrative:
Hi I had my Credit Card payments set up automatically and last month my account was shut off without me knowing about it. when I found out I right away called in and they told me that my account is paid up to date but in the end a XXXX  day late showed up on my account

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 2024-02-15 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: MS

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Multiple charges I didnt make were made on my card. About 32 different charges in the course of 2 days were made on my card without my consent or knowledge. I contacted the credit card company and closed the card. I would like to investigate this situation further and to press charges against anyone who used my card on each transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
J.P. Morgan Chase bank chooses to do business with XXXX XXXX, an XXXXXXXX XXXX XXXX They are currently the only financer for XXXX. XXXX pressured buyers to deposit {$5000.00} in XX/XX/XXXX, to secure a position of the first XXXX fully optioned electric vehicles they produced, delivered by XXXX of XXXX. A convenient timeline for VISA to decline any amount charged. To date, XXXX has failed to deliver. They are unresponsive via phone or email, so I ( like many others ) disputed the {$5000.00} charge via Chase. Chase refuses to refund me based on VISA policy timelines. Many other customers ( via social media channels ) have stated that they have been credited by Chase VISA and many other banks for this corrupt business practice and complete robbery. Unacceptable on any level or timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I received a new car loan on XX/XX/24, paperwork said first payment around XX/XX/24. I never received anything in the mail, no invoice or bill. On XX/XX/24 I called GM Financial and they said yes your payment is due today. I had to create an account and pay immediately, or it would of been late. I asked why I did not get anything in the mail and they said they would resolve, as of XX/XX/24 still no update as to why I am not receiving invoices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
on XX/XX/XXXX, i wrote to THD/CBNA in reference to their reporting on my credit report and put them on notice about them continuing to report activity on a closed/charged off account which is CONTINOUSLY causing damage to my credit. This per said account charged off for loss in XX/XX/XXXX. From the IRS website it states that whenever a account is charged to profit or loss/closed reporting must CEASE from that date and no more than 90 days you must report the date of first delinquency that led to the default and that date is to be considered the commencement date of default. This account states CHARGED OFF AS BAD DEBT and has still reported XXXX which credit bureaus refer as CHARGED OFF. An account can only charge off 1 time. The reporting of XXXX after the closed date shows inaccuracies and should be removed IMMEDIATELY for not complying with Section 623 15 USC 1681a as this has caused me to not get qualified for a home mortgage. Also when an item is wrtten off for loss, the company notified the IRS that the debt was considered a loss, but to date I have yet to receive a 1099c form to be able to notify the IRS that the debt was written off and I can report it for income. The company has failed to meet he obligations of the IRS and has me feeling as if Im committing tax fraud right along with THD/CBNA. Please help me resolve this matter as I have put them on NOTICE 2 times before and now I will be seeking STATUTORY and PUNITIVE damages for their negligence

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 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MD

Complaint narrative:
HI I have closed my checking account with chime ( chime.com ) Routing numberXXXX Checking Account number : XXXX because their banking system seems to be fraud business and not allowing me to take my money out without having their debit card. 
I have deposited XXXXXXXX XXXX from XXXX checking account to XXXX account, I found it is not a good banking system, so I closed it on XXXX XX/XX/XXXX. 
while closing account, I have talked chime employees, they said, the company will send check in mail in XXXX  days, its been more than XXXX months, I never received it and the chime people saying, I am not eligible for refund, the money I added from checking account, they are not giving me, this is clear day time fraud in USA by a financial company.

this is complete nonsense, fraud business, I request you to send my closed account balance XXXX XXXX  to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: TX

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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-02-15 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:
XXXX XXXX XXXX  whose address is : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone ( XXXX ) XXXX wrongfully reported to all three credit reporting bureaus that XXXX credit card account which I have with this bank last XXXX digits # XXXX, is late and past due for the months XXXX and XXXXXXXX XXXX XXXXXXXXAs a result of this clerical mistake my credit score went down XXXX points, and I have lost access to a wide array of financial products previously available to me. All payments on this credit accounts have Despite these attempts, been made and sent by me to XXXX XXXX XXXX  in time. In good faith I have disputed this issue with all three credit bureaus XXXX, XXXX and Equifax, asking them to remove erroneous information from my credit reporting files submitted by XXXX XXXX XXXX. Despite all these attempts erroneus negative information stayed in all my credit reports. I also sent a letter to XXXX XXXX XXXX  explaining the situation and asking them to remove erroneus negative information from credit bureaus... I have never received any answer from XXXX XXXX XXXX. I have excellent credit and have never been late with any of my payments. Here I am, respectfully asking CFPB to take into consideration all the facts mentioned above and care for a full investigation.Thank you.

Company response to consumer: Closed with explanation