vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I have no knowledge of any medical accounts and I asked them to stopped calling my phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
XXXX, has several names listed that are not me, will not remove them, also vehicles I have never owned and will not update info, they told me to delete it, so I did. Also I obtained a credit Card with XXXX XXXX thru XXXX XXXX XXXX, always made my payments on time, in XXXX I tried to login to my online account to make the payment, said my account didnt exist, I called XXXX XXXX XXXX XXXX they said they didnt know and they didnt handle it anymore, I called Rural King they said they dont know who to contact, they sold it to another company, never informed me of this until Late XXXX when I finally received a letter, I called and paid all past due and current balances, however they put against my credit, which was totally unfair, and now my XXXX card cancelled my XXXX, due to XXXXXXXX XXXX  putting against my credit, not fair to me at all, since I was never late on any of my payments, but tried to make the payment, but didnt know where or who to pay. I feel they ruined my credit and didnt bother to reach out to me, said they left several messages on my phone but I didnt get any messages, I did pay it once I received a letter from them, 3 months later. What a horrible way to do business, mostly due to XXXX XXXX switching companies without my knowledge. Please have them remove all negative activity on my account. 
Thank you

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-07-06 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: EQUIFAX, INC.
State: NV

Complaint narrative:
When the XXXX seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

XXXX v. XXXX, XXXX XXXX ___ ( 2024 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-06 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: MA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: GA

Complaint narrative:
This account was paid to the original debtor and has a XXXX balance. It is negatively impacting my ability to obtain credit and employment. Please remove immediately. 

XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Last year in XXXX of 2023, an online scammer got hold of my XXXX and Capital One XXXX  account and used my accounts to do questionable transactions. I got in contact with the scammer and told him to stop as this was not his account but the transactions continued. On XX/XX/XXXX, Capital One restricted my account to prevent any fraud, so I called the customer service number to try to resolve the issue. Unfortunately, the customer service representative was no help to my situation because I was not allowed to explain my problem to the representative and did not even consider listening to my issues. I asked to be transferred to another representative who could help me but the other representative refused to help as well and decided to permanently restrict my Capital One 360 account. I was told that they would investigate and contact me again to reconsider but I never received a call back from Capital One and I never got my account opened again. The customer service was very subpar and were not helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CO

Complaint narrative:
I had several fraudulent charges post to my account beginning on XX/XX/year>. US Bank alerted me to one of the charges and I contacted their fraud department immediately. I filed the appropriate fraud claims on the same day. 
I have checked on the status of the claim every day with US Bank since reporting and each time I've been advised differently. One representative issued me provisional credit and the next day that credit vanished and I was again in a negative balance as a result of the fraudulent charges. The next day, another representative told me that the case manager is working on m claim and has approved the provisional credit which would post that day or the following day. That never happened. I called again this morning and the representative told me I had to wait for the fraud charges to post before US Bank could do anything. I was looking at my statement on line while I was speaking with the representative and those fraudulent charges were CLEARLY already posted and NOT in the pending section. The representative ( and her supervisor ) were unable to provide any type of definitive information. I have lost faith in US Bank being able to provide accurate and timely assistance to me and am seeking support with this matter from CFPB.

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the Accounts and addresses I do not recognize are continued here. 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. I have never lived at these addresses and I have no knowledge of these accounts.

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 2024-07-06 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: MD

Complaint narrative:
In accordance with Fair Credit Reporting act.The list of accounts below has 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 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's 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 items of information, other than records of conviction of crimes which antedates the report by more then 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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
Company Name : AARGON AGENCY Address : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Account Number : XXXX Phone Number : XXXX Amount claimed owed : {$310.00} I am writing to dispute such inaccuracy on my credit report. This account listed on my credit profile are an account that I have absolutely no association with, no signed agreement, never been lent any money. I reported this information to the Federal Trade Commission and I also filed an Affidavit. This company is violating my rights as a consumer. Please be advised that this Unverified ACCOUNT remained on my credit report, which is a violation. I have yet to receive original documents pertaining to this account information thats being disclosed as a debt on my credit report. Im supposed to receive all original documents from the original creditor to verify that the account is in fact mines, which is a requirement by LAW. Since I have yet to receive any such documentation, Im asking that this account be removed immediately 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 2024-07-06 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: NE

Complaint narrative:
In XX/XX/XXXX, I was in incarcerated and was released XX/XX/XXXX. During the time period I was in, my Chime debit and XXXX XXXX cards were used by whoever cleaned my apartment. When I was released, I contacted Chime right away and filed a dispute of the charges. Even with the proof of my incarceration, Chime denied the dispute. 

Last month, I refiled the dispute and again Chime denied it. I rebutted and finally got the dispute approved. 

After numerous attempts to get the funds back, Chime refused to refund the money due to my account closure from being overdrawn. The disputed amount was more than the overdraft and Chime deducted that amount when the dispute was settled. 

It is frustrating that this institution is openly telling me that they are to keep my money and there is nothing they can do for me. Thieves!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Notice Of Dispute : This is in Reference To Account # XXXX ( CAP ONE AUTO ) Dear CAPITAL ONE AUTO, I am writing to dispute the reporting of an alleged late payment on XX/XX/year> that has been reported on my credit report. I never received any notice in writing from you stating that you were going to furnish negative information in the form of a late payment to a consumer reporting agency. This is a violation of the FCRA per 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and it is your duty as a furnisher of information to comply to ALL FCRA requirements! 
I am requesting you provide me concrete evidence such as the notice in writing with a certified tracking number for proof of delivery and date, as I should have received this maximum 30 days after this information was furnished on my credit report. If you are not able to provide the requested information I am demanding you modify the payment history of the alleged late payment on XX/XX/year> to an On-Time payment ( OK ) or No Data ( ND ) immediatley! Please update the modification with ALL credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I am writing today regarding my Barclays XXXX XXXX XXXX. Since XXXX of XXXX every payment that I have made to the account has had a payment hold placed on the payment. This hold appears on my account only after I get confirmation via text and email that the funds have been received from my bank. The payment hold then remains in place for XXXX to XXXX calendar days. For the duration of the payment hold, I do not have access to those funds as they have been taken from my bank account and Barclays is holding that money interest free while I have no access to the funds. 

I have been in contact several times over the past year with customer service representatives. No one has been able to tell me why this is happening or has been able to help me stop it from happening. I need a resolution to this situation ; it is becoming a hardship. 

A customer service representative I spoke with in XX/XX/XXXX told me she could not escalate my case any further over the phone or by email and that writing a letter to the Office of the President was my only line of action. She assured me that this letter would be read and that I would get a return phone call. I sent the letter to the exact address that was given to me ( confirmed multiple times ) and the US Postal Service returned the letter citing " Insufficient Address ''. When I asked about them providing me with a false address, they were only able to tell me to " wait and see '' if the payment holds will stop. When these reps view my account details, they all admit that there is no " unusual '' activity on the account that would warrant any kind of action such as a payment hold. 

At this point, these payment holds are causing me to make smaller payments to the card so that I have funds available for use. Making smaller payments makes interest fees higher. And the time that thy have my payment ( that they have confirmed they received ) they are collecting interest on that money that I can't collect interest on as well as forcing me into higher interest penalties because I am not able to pay the card down as fast as I would like to.

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 2024-07-06 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: GA

Complaint narrative:
This account was paid to the original debtor and has a XXXX balance. It is negatively impacting my ability to obtain credit and employment. Please remove immediately. 

XXXX XXXX XXXX XXXX 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 2024-07-06 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: GA

Complaint narrative:
This account was paid to the original debtor and has a XXXX balance. It is negatively impacting my ability to obtain credit and employment. Please remove immediately. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XX/XX/XXXX bank of America I responded to an original complaint I filed for their account closure and not returning my funds of which they claimed that they mailed a check with the balance of my funds. Its been over 100 days and I still have not received my money! I have called and no one has assisted at all so not only did Bank of America close and pigeon hold my funds they now have effectively lost over XXXX of my money in the form of a check! I will follow up with a suit against this bank.

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 2024-07-06 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX, 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 ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are not supposed to 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