vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: MD

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX, XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/year> XXXX misapplied my monthly mortgage payment. I have two loans with XXXX and they applied both payments to one loan instead of properly applying the payments to the accounts due despite the account numbers clearly indicated on the face of each check.

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 2024-11-25 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: MD

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
LVNV funding began trying to collect a debt from me for over XXXX XXXX dollars for XXXX XXXX. While I have previously had XXXX XXXX and still have them the closed off account in question has incorrect information. Per the FCRA I immediately sent a validation request. LVNV did not cease collections activity rather they tried getting other companies like XXXX XXXX to collect the amount. LVNV did not follow the FCRA and is still reporting derogatory information despite failing to respond with validating this erroneous debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for a credit card on/around XXXX XX/XX/year>. The card was never delivered to my house. 

On XXXX XX/XX/year>, when I tried logging on to the Bank of America app, I was shown a notification telling me that there was fraudulent activity on my credit card, which I never received or activated. There was USD XXXX charged to it. The charges were made at a XXXX and at a XXXX XXXX XXXX  in XXXX NY on XXXX and XXXX XXXX, respectively. 

I immediately informed the bank of the same. The bank blocked my card and I was told by the bank to file a report on identitytheft.gov, as well as file a police report. I filed a complaint report with the XXXX XXXX Police Department on XXXX XXXX and I filed an updated report with identitytheft.gov on XXXX XXXX. 

I faxed the same to Bank of America, with my written statement, explaining the entire ordeal, around XXXX or XXXX XXXX. I could not fax the Police Report at the time since XXXX requires that a Freedom of Information request be made to get copies of Police Complaint Reports. 

I was contacted by the XXXX detective on the case on XXXX XXXX, where she informed me that the police has a picture of the person who used the stolen credit card and asked me to identify him. The person was unknown to me, and I informed the same to the detective. 

I filed a Freedom of Information Request with XXXX XXXX Police Department ( XXXX ) on XXXX XX/XX/year>, and received a copy of my Police Report on XXXX XXXX, 2024. 

I mailed the same to Bank of America 's credit card claims department in Texas on XXXX XX/XX/year>. 

The Bank of America closed my claim on XXXX XX/XX/year>, with the charge still on my account. I immediately contacted the bank. They told me that they had not received the Police Report and so the claim was closed. When I told the bank that I already sent the Police Report, the associate on the call confirmed that they had in fact received the copy of the Police Report that I had filed. I was informed that the bank will reopen my claim, and the same will be resolved within 3-5 days since I have provided all necessary documentation.

It has already been 3 days since then and I have not heard back from the bank. When I contacted by the bank today, XXXX XXXX, I was told that it may take up to 2 billing cycles for my claim to be resolved. It has already been more than one month since I have been trying to get the unauthorised charge, made from an unactivated credit card ( which the bank allows to be used for some reason ), removed and I still am unable to get that done.

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
Consumer complaint received 2024-11-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this dispute regarding several accounts appearing on my credit report, which I believe have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, I am disputing the following accounts : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX  ( Account # XXXX ) XXXX  XXXX ( Account # XXXX ) XXXX  ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account XXXX XXXX ) Violation of FCRA Privacy Provisions Under 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my personal and financial information. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing information on a consumer without their written instructions. I have not provided written consent or instructions to any of the aforementioned creditors or reporting agencies to access or share my personal information. Therefore, I believe my rights to privacy under the FCRA have been violated. Request for Resolution I am requesting the following : An investigation into the accounts listed above to confirm whether the proper procedures and consents were obtained. Immediate removal of any unauthorized accounts from my credit report. Confirmation that all reporting agencies and creditors involved are compliant with FCRA requirements. I am providing this dispute in good faith and request your assistance in ensuring my rights are protected. If additional documentation is required, please inform me at your earliest convenience. Thank you for your time and attention to this matter. I look forward to your prompt response.

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 2024-11-25 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: TX

Complaint narrative:
As per 15usc 1611 XXXX Transunion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX  XXXX. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2024-11-25 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:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX  XXXX. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have been paying my bills through USAA for years and all payment to this point have been electronic transfers on the date I requested. recently when I scheduled a credit card payment of {$5100.00} to XXXX XXXX. I revied my account to ensure that the electronic transfer was completed as scheduled and when I saw my account USAA 's status noted that instead of an electronic transfer, they had mailed a check to my XXXX account on XXXX XXXX. I had asked them to pay the bill on XXXX XXXX as it was due on XXXX XXXX. I called the bank when I discovered that they had changed to a mailed payment vice an electronic transfer. The customer service said that their system randomly decides if it will be electronic transfer or a mailed check.

I told them I was concerned about the payment arriving on time and they said the system if it mails a payment in enough time to meet the requested date. I filed a complaint with USAA about their changed process at this time. I checked my XXXX account, and the payment did not arrive when I had requested on XXXX XXXX. I called USAA about the no receipt and my concern that my payment was going to be late. Their answer was if there is a late fee assessed I can request reimbursement from USAA. I again filed a complaint with USAA and asked for a supervisor to call me their answer was their supervisors have the same information and there was no use in talking to them. I checked my XXXX account on XXXX XXXX the payment due date and the USAA mailed check did not arrive, so I paid directly on the XXXX website. The USAA mailed check did not arrive until XXXX XXXX. 

USAA changed their policy on method of payments of external accounts without notice and this caused me to have to make two payments to XXXX to ensure my account did not become delinquent. This also caused me to have to expend {$5100.00} early to ensure USAA 's actions did not negatively affect my credit. Allowing me to claim a late fee is inadequate and USAA needs to tell all customers that they may randomly send payments by mail without notice and that USAA can no longer be relied on to pay external accounts as requested.

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 2024-11-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Tis is in reference to a prior complaint # XXXX - Capital One stated they sent documentation on XX/XX/year> no docs have been received as of XX/XX/year> - no resultion has been done. Actually things have gotten worse on this and now they just keep referencing docs they never sent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
I am submitting this dispute regarding several accounts appearing on my credit report, which I believe have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, I am disputing the following accounts : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX  XXXX ( Account # XXXX ) XXXX  XXXX XXXX Account # XXXX ) XXXX  ( Account # XXXX ) XXXX XXXXXXXX ( Account # XXXX ) XXXX  ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account XXXX XXXX ) Violation of FCRA Privacy Provisions Under 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my personal and financial information. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing information on a consumer without their written instructions. I have not provided written consent or instructions to any of the aforementioned creditors or reporting agencies to access or share my personal information. Therefore, I believe my rights to privacy under the FCRA have been violated. Request for Resolution I am requesting the following : An investigation into the accounts listed above to confirm whether the proper procedures and consents were obtained. Immediate removal of any unauthorized accounts from my credit report. Confirmation that all reporting agencies and creditors involved are compliant with FCRA requirements. I am providing this dispute in good faith and request your assistance in ensuring my rights are protected. If additional documentation is required, please inform me at your earliest convenience. Thank you for your time and attention to this matter. I look forward to your prompt response.

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 2024-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Whether this is the fault of the sender 's financial institution or Venmo, {$630.00} has been wrongfully withheld from me since XX/XX/24 even though the sender and I have confirmed the validity of this transaction and the sender 's bank confirmed the originally filed dispute was invalid. 

XXXX Transaction was applied and accepted by Venmo for {$630.00} XXXX Dispute case was opened by Venmo due to a notice from the sender 's financial institution. 

XXXX Venmo performed a hold on my account for the {$630.00} XXXX I contacted the sender, and she explained this was a misunderstanding between her and her bank and she would resolve the dispute. 

Week of XXXX The dispute was resolved between the sender and the sender 's bank and a formal written notice was sent to the sender that the sender 's bank had resolved the dispute, and the money was processed with Venmo . 

XXXX Venmo sent an email stating they would keep the disputed amount available in my Venmo balance as they continue to resolve the case. However, this amount was never provided to me. 

Between XX/XX/24 and XXXX Venmo had been contacted multiple times by me and the sender explaining this is a valid transaction via email and phone. Venmo refuses to release the {$630.00} they have withheld from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This company has been asked upon several attempts to provide a signature that connects myself to ownership of this debt and they are unable to provide the requested information. They have also violated a right to privacy by adding this account to my credit report showing multiple late payments. This account has been shown as updated and verified multiple times and that is not true so I am requesting this account be deleted from 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 explanation
Consumer complaint received 2024-11-25 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: TN

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 2024-11-25 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: EQUIFAX, INC.
State: TN

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