vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
First a week ago Bank of America closed my debit card with no explanation nor did they contact me, my card was declined, I had to contact them and still no explanation, so they sent me another card, I waited a week for the card, I followed instructions and activated the card went to use it and again declined, contacted Bank of America again and they told me my old pin was no good but never mentioned it when I received the card so they said the new pin will come a couple of days after the new card but was never told that so 1 times I was embarrassed at the store buying groceries only to be declined, very upset

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 2024-10-03 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: CA

Complaint narrative:
I WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY XXXX XXXX XXXX XXXX. PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE.

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 2024-10-03 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
ATTN : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX. Re : XXXX XXXX. Account # XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
CORRECTED earlier submission had wrong attachment : Capital One Bank 's response is false to my earlier complaint COMPLAINT ID XXXX. The electronic payments were made payable to XXXX XXXX instead XXXX  XXXX as I requested. Proof of this was received late XXXX by the subpoena from the subpoena department of Capital One Bank. In XX/XX/XXXX I requested a refund to correct the bank 's error, and I sent a copy showing payments to XXXX XXXX instead of XXXX  to the office of the president of Capital One Bank after speaking with XXXX of that office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-03 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: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of 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 non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  XX/XX/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 non-monetary relief
Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
The data reported by the credit reporting agencies is inaccurate. I have asked multiple times for it to be corrected or removed. Account numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-10-03 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: PA

Complaint narrative:
Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), Congress makes the following findings : ( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This is a deprivation of my rights and a violation of my privacy, as well. This is a violation of 15 U.S. Code1681g ( a ) ( 5 ), 15 U.S. Code 1681b ( 2 ), and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized and fraudulent credit inquiries listed without my expressed written consent.

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 2024-10-03 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: NY

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 confidentially under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; personal addresses incorrect. 

I looked at my EQUIFAX credit report On XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( i ) ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information : ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promply notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 ( s ) -2 they are suppose to 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 2024-10-03 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-10-03 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
This loan was taken out in XXXX when I had no other way of taking out a loan to pay for school. The loan is under my maiden name XXXX XXXX. The terms of this loan were not clearly defined to me or my mom who helped me secure the loan. The way this loan is set up still makes no sense to me as I am listed as a cosigner and my grandfather is listed as the borrower. The original principal on this loan is listed as {$10000.00}. We have been paying it back since XXXX and the interest accrued on this loan is up to {$16000.00}. After 14 years of payments the loan balance currently sits at {$10000.00}. The interest rate currently is 10.50 %. I contact Navient regularly to help me with my monthly minimum payments as sometimes I am not able to afford it. I have been offered forbearance and interest only promo periods. I accept whenever I get either of these offer because I am desperate to keep my account in good standing. I am never offered any real help or resolution. When I have defaulted in the past my credit score dropped by a devastating XXXX points. I was hopeful during Navient 's last consumer settlement, but I did not qualify for that because I had not defaulted enough on the loan. I feel as though I am trapped in a loan that is impossible to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: CL Holdings LLC
State: MD

Complaint narrative:
XXXXXXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$820.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX  Date opened : XX/XX/XXXX Amount : {$1600.00} Action : I was XXXX for XXXX years. From XX/XX/XXXX - XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XXXX XXXX Amount : {$350.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXXXXXX XXXX  XXXX Date opened : XXXX XXXX Amount : {$1300.00} Action : I was XXXX for XXXX years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX  XXXX opened : XXXX XXXX Amount : {$720.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$5000.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and XXXX heard anything back from this company. 

XXXX XXXX XXXX XXXX Date opened : XXXX, XXXX Amount : {$1100.00} Action : I was XXXX for XXXX  years. From XXXX XXXXI have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXXXXXX Date opened : XXXX XXXX Amount : {$1600.00} Action : I was XXXX for XXXX years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$570.00} Action : I was XXXX  for XXXX  years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX Date opened : XXXX XXXX Amount : {$960.00} Action : I was XXXXXXXX  for XXXX  years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$820.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1600.00} Action : I was XXXX for XXXX years. From XX/XX/XXXX - XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$350.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX  XXXX Date opened : XXXX XXXX Amount : {$1300.00} Action : I was XXXX for XXXX years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXXk Date opened : XXXX XXXX Amount : {$720.00} Action : I was XXXX  for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$5000.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXXXXXX XXXX Date opened : XXXX, XXXX Amount : {$1100.00} Action : I was XXXX for XXXX years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$1600.00} Action : I was XXXX for XXXX  years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$570.00} Action : I was XXXX for XXXX  years. From XXXX XXXX.I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX Date opened : XXXX XXXX Amount : {$960.00} Action : I was XXXX for XXXX years. From XXXX XXXX.I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company.

Company response to consumer: Closed with explanation