vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing to provide an update on the ongoing dispute concerning the charge from XXXX XXXX XXXX XXXX, which appeared on my Capital One Bank statement dated XX/XX/2024, totaling {$110.00}. 

Upon discovering this unauthorized charge, I promptly initiated a dispute process with Capital One Bank. In response, Capital One promptly commenced an investigation and requested additional information from me. Despite my timely and comprehensive response to their inquiry, it seems that the information provided did not meet their validation criteria. 

In my efforts to resolve this matter, I attempted to directly engage with the merchant, XXXX XXXX XXXX XXXX. However, despite my repeated attempts to communicate via phone, XXXX XXXX has been unresponsive. Its worth noting that their cancellation process is solely facilitated through their app, which I adhered to, and I possess email evidence confirming the cancellation. Curiously, despite my repeated attempts, XXXX XXXX seems adamant about communicating only with Capital One Bank regarding this dispute, rather than directly engaging with me as their customer. 

I am deeply concerned about the handling of this situation by Capital One Bank. Despite previously issuing a credit for this disputed charge, they have since reversed it, leaving the unauthorized purchase still reflected on my credit card statement. 

It is of utmost importance that Capital One Bank takes decisive steps to safeguard its customers ' interests, particularly in cases involving disputed transactions following service cancellations. I urgently request Capital One Bank to conduct a thorough reevaluation of this dispute and to promptly take the necessary actions to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have filed multiple disputes with the credit bureaus regarding an account that is reporting inaccurate and incomplete information. XXXX deleted the inaccurate account after a proper investigation. Firstly, the account in question was initiated in XX/XX/XXXX, and I paid on time every month. However, the contract for the rental apartment being reported inaccurately shows a start date of XX/XX/XXXX. Evidence supporting this is attached. 

Secondly, the third-party debt collection agency, XXXX XXXX XXXXXXXX XXXX violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by failing to inform me of my right to dispute the debt. Additionally, the agency provided contradictory balances owed, further violating the FDCPA. 

Furthermore, the data reported by the credit bureaus regarding the terms, monthly payments, account type, payment history, and the status of the account ( open/closed ) are all inaccurate. This account is reporting incorrect, incomplete, and misleading information. Again, evidence is attached. 
1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) : Under the FCRA, credit bureaus are required to report accurate information. Any incorrect or incomplete data must be corrected promptly once disputed.

15 U.S.C. 1681i : Requires credit bureaus to conduct a reasonable investigation upon receiving a dispute.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) : 15 U.S.C. 1692g : Requires debt collectors to provide a validation notice within five days of the initial communication, informing the consumer of their right to dispute the debt within 30 days.

15 U.S.C. 1692e : Prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt, including providing inaccurate balances.

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 2024-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
The company is calling my phone upwards of 30 times a day and when I answer there is only a message. They are also flooding my mail box with mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I carry a XXXX XXXX from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX PA XXXX Phone # XXXX without my contest their system enrolled me in paperless statement as a result of that I missed my payment twice ( XXXX & XXXX XXXX  ) since I never received any paper statement, they reported me to all 4 Credit Bureaus which made my Credit Score dropped from XXXX to XXXX, I reached to them twice to ask them WHEN & HOW I asked for paperless statement, they replied that I agreed to it ( WHICH I NEVER DID ) but they failed to let me know when and how I did that if it is true also they sais that they emailed me ( I never check my email ) I always depend on the paper statement to pay off my Credit Card balance all of this over a lousy {$35.00} even though I had excellent payment history with them and all my other credit cards, they also charged me {$29.00} late fee for their wrong doing I paid my account in full once I found out that I was late ( By Accident ) even the Credit Bearus told me they can reverse their negative action in you have in the past excellant payment history once again I NEVER ASKED FOR PAPERLESS STATEMENT their system did that and that is why they don't tell me when and how I did that

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 2024-05-17 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: GA

Complaint narrative:
While checking my credit profile I came across hard inquiries that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: NY

Complaint narrative:
DEAR, EXPERIAN WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME )... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT 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 2024-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: eMortgage Funding LLC
State: NC

Complaint narrative:
Decided not to use mortgage and requested the appraisal I paid for to be sent to another lender. They have refused to do so. I sent them specific instructions as required and mortgage has ignored my request on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I received an email from Resurgent on XX/XX/XXXX saying that they now had my debt. The information was : Account Number : Ending in XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 
Current Owner : LVNV Funding LLC Resurgent ID : XXXX Current Balance : {$1400.00} Once received I emailed a response to Resurgent on XX/XX/XXXX requesting that provide me with a debt validation letter as well as stop all collections. I notified them that I was disputing this debt. Today on XX/XX/XXXX I received another email from resurgence stating that my account may be sent to a lawyer. I again sent another letter asking them to stop collections and to please verify the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kashia Services
State: IN

Complaint narrative:
A company which i originally thought was a scam continuously called my phone, I was told I owed money for a loan. I never took out a loan and or request one, the lady stated their was 2 loans taken out, I recently filed bankruptcy due to identity theft, I'm still getting calls about debts that I never authorized and or have any clue to who these companies are. I'm wanting them to investigate and send me all info that was used to get this loan. If not dis-associate me with this account and remove from your system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2024-05-17 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: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: SC

Complaint narrative:
Due to the covid-19 global pandemic I was unable to make payments on credit card debit. I went through a government program to help resolve this issue in XXXX. A judgement was filed against me on XX/XX/XXXX stating that I am to pay a Principal of XXXX Now I am receiving notice of execution on XX/XX/XXXX. This Discover Bank account was supposed to be a full discharge of debt. I need answers as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP
State: NY

Complaint narrative:
KeyBank Credit Card My father passed away XX/XX/XXXX. He had a KeyBank credit card with an approximate balance of {$2000.00}. I called KeyBank Customer Service days after his passing and was instructed to bring a death certificate to the local branch where we live in XXXX, NY. On XX/XX/XXXX I received death certificates and brought one to the branch as instructed. The representative said we were all set. I was instructed by my attorney not to pay bills until things from the estate are sold to pay debts. KeyBank has not sent any correspondence addressed to the estate acknowledging his death. They continue to send monthly billing statements addressed to my deceased father with a {$40.00} late fee assessed in XXXX and a {$40.00} late fee in XXXX. After seeing the late charge in XXXX I called Customer Service again. This time I was told they can't do anything until I have a court document stating I can act. On XX/XX/XXXX I received my Letters Testamentary and again as instructed brought a copy to the local branch. I was told there was nothing they could do about the late fees because the account was being sent to Collections ....??? The representative called their back office and submitted some sort of research request that would take time and someone would call me. I received a call from the branch manager the next day, she stated that there was nothing that can be done and the late fees are valid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-17 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality 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 TransUnion 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 of 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 2024-05-17 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality 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  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 of 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
Consumer complaint received 2024-05-17 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: ME

Complaint narrative:
I mailed two rounds of certified letters first one XX/XX/year> to Experian disputing accounts below. 
Account Name : XXXX XXXX XXXX {$5500.00} Account Name : XXXX XXXX XXXX {$3400.00} Second letter sent for verification on XX/XX/year> to Experian and accounts still remain and have not been fully validated.

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 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I have received several emails from this company, Fortiva, about a credit card that I did not open. They are now indicating that charges were made on the credit card and that I have a payment due. On XX/XX/XXXX, I informed the company that this was not my account and requested that they send a notice to me with verification that this was a valid account. I received no response. I filed disputes with XXXX and XXXX on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
See Ref 1 : XXXX XXXX XXXX XXXX responded XX/XX/XXXX. 
See Ref 2 : XXXX XXXX claims it sold the boat XX/XX/XXXX, and the deficiency is {$13000.00}. 
See Ref. 3 : a deficiency {$9500.00} was reported to the credit agencies XX/XX/XXXX. Therefore, XXXX XXXX XXXXXXXX XXXX XXXX provided false information to the credit agencies.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
See Ref 1 : XXXX XXXX XXXX XXXX responded XX/XX/XXXX. 
See Ref 2 : XXXX XXXX claims it sold the boat XX/XX/XXXX, and the deficiency is {$13000.00}. 
See Ref. 3 : a deficiency {$9500.00} was reported to the credit agencies XX/XX/XXXX. Therefore, XXXX XXXX XXXXXXXX XXXX XXXX provided false information to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Below copy of the letter to Amex : American Express XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY United States XXXX To Whom it may concern, dispute XXXX : Hello, Here is my statement regarding dispute XXXX for {$260.00} charged at XXXX Below are the supporting documents that you sent. You can see there are two traffic/parking violation tickets issued by authorized companies, such as XXXX ( page 3 ) and XXXX XXXX XXXX XXXX ( page 6 ). These two tickets and charges are valid, I am not disputing it. These tickets have unique Ref. number, date, and time. Also, it has a photo of the violation. Most importantly, its issued by an authorized company ( not the rental company or debt collection agency as a third charge ). 
Please see page 9 as a supporting document for the third charge. This is not a violation ticket, its a collection letter from XXXX ( XXXX XXXX XXXX ). This company is not authorized to issue parking violation tickets ; its just a collection agency. Until now XXXX does not provide an actual parking violation ticket for this charge as on pages 3 and 6. Their invoice has the same REF number XXXX, same date XX/XX/23 and same address XXXX XXXX XXXX, XXXX as ticket number one on page 3. 
To find all this easier, I marked below by yellow color. 
When XXXX received the first ticket ( page 3 ), they charged me XXXX pounds, but they did not send the payment to XXXX, who issued this ticket. After a few months of not receiving payment, XXXX sold this case to XXXX ( page 9 ). XXXX sent an invoice for the same ticket to XXXX, but a bigger amount ( because of payment delay ), and then XXXX charged me XXXX pounds for the same ticket with REF XXXX. 
All these documents are so obvious ; I dont know why Amex makes decisions without having ACTUAL parking violation tickets, but based on some collection letter. Please ask XXXX to provide an actual parking ticket for a XXXX pounds charge before you close the dispute. 


Best regards, XXXX

Company response to consumer: Closed with monetary relief