vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a letter from Capital One stating that my account has been closed due to violating the " Customer Agreement '', however they never specified what terms of the customer agreement was violated. I reached out to capital one multiple time and spoke to multiple people XXXX in an attempt to understand the reason the account was closed, but I was never able to get an answer. I've been a customer with Capital One for over 15 years and have multiple products with Capital Once including checking accounts, savings account, and a business credit card. I never been late on this card, and only have one item set up on a reoccurring payment from this account each month. Based on this information I think it is HIGHLY UNLIKELY I did anything to violate the " Customer Agreement ''. 

I have filed a complaint with Capital One regarding this matter, however I never heard anything back regarding the complaint. Additionally, I put in a request to reopen the account through Capital One, however they denied my request, and did not provide any details on why the account reopen request was denied. 

Any assistance that you can provide would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One closed my accounts ( x2 ) over " failing to meet card policy expectations '' yet 1. ) these expectations were not clearly defined and 2. ) I am assuming it was over a missed payment on one of my accounts which was the first time I had missed a payment with Capital One plus on my other account, the balance was not even due yet ( due XX/XX/XXXX ) so they closed this account without even waiting to receive payment on this. I feel that while I did miss a payment, I feel that this is wrong for Capital One to close BOTH of my accounts without even so much as reaching out to me to let me know of the consequences. From XXXX to XX/XX/XXXX, they stated that my payment was due and late, however, late payments are after 30 days and I had made my XXXX payment on XX/XX/XXXX which covered previous charges- they even reported this payment as late to the credit bureaus which is fraudulent as the payment would have only been late by a few days, not 30 days. I recently lost my job and fell on hard times but I had full intent to pay my card balances as I have done numerous times in full in the past. I am even starting a new job on XX/XX/XXXX so this really hurt me. I spoke to two customer service representatives who couldn't even offer me an explanation and only gave a vague response of " you violated card holder policy ''. I even went ahead today and paid the balances on both cards in full ( see attached for proof ). I am extremely upset and disappointed in Capital One as I valued doing business with them. I feel extremely wronged and I am just asking that Capital One considers this decision and re-open my accounts. That is all I am asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to seek assistance regarding a debt collection matter that has arisen after my XXXX XXXX  bankruptcy in 2006, which was successfully discharged in XXXX of the same year. Prior to the bankruptcy, XXXX XXXX was attempting to collect on a loan that was subsequently included in the bankruptcy proceedings. After the discharge, a new entity, XXXX, began pursuing collection on the same loan, despite its discharge in the bankruptcy process. Recently, I communicated with XXXX 's account manager, informing them that the debt had been discharged in bankruptcy. The response indicated that they did not believe it was the same account, citing a discrepancy in account numbers. However, I am confident that this debt is indeed the same, as evidenced by the matching account numbers for a similar loan listed in my bankruptcy. Complicating matters, both XXXXXXXX XXXX and XXXX XXXX, the companies associated with the original debt, have dissolved, making it challenging to obtain the necessary information to connect the dots. I am kindly requesting your assistance in urging XXXX XXXX XXXX to provide proof of the purchase of this debt. This documentation is crucial for me to continue the tracing process and clarify the status of this discharged debt. I appreciate your attention to this matter and look forward to your guidance on how to proceed.

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 2023-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I bought the car on XX/XX/XXXX, I was told that I would have a warranty on my vehicle and would be able to get it serviced at the facility. As soon as I left the lot, the indicator lamp came on and I called the facility, only to be told to email the person who emailed me the car. I emailed him on XX/XX/XXXX and XX/XX/XXXX of XXXX and was told to contact XXXX XXXX, sales manager, who did not return any calls or voicemails I left for him. I called in XX/XX/XXXX to have my car serviced and was told I needed to go to another facility due to them having no availability. I believe I was shunned or barred from the facility due to the XXXX XXXX XXXX XXXX being sold to me as defective. I had an appointment on XX/XX/XXXX that was cancelled via telephone for unknown reasons. For months, I called and emaileXXXX XXXX XXXX  XXXX, Captial One, XXXX XXXX and have been either denied, ignored, or ridiculed. I emailed the XXXX XXXX XXXX regarding my claim and did not receive a response. Then, I proceeded to call and when I did not receive a response, I put in a claim to the XXXX XXXX XXXX on XX/XX/XXXX, due to the car failing to start and told due to my mileage I do not qualify. Since then, I have attempted to get Captial One or XXXX XXXX to repossess the vehicle since I stopped making payments on it. I lost my job due to not being able to travel because of my car breaking down on me and I still have the burden of the defective vehicle I was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-19 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I am writing to file a complaint against Credit Management LP, a debt collection agency that is trying to collect money from me that I do not owe. Credit Management LP is swindling me right now. I do not know this company and I am not under contract with Credit Management LP. Credit Management LP showed up on my XXXX credit report saying I owed a {$630.00} debt in XX/XX/XXXX. This is a clear violation of the Fair Debt Collection Practices Act and I demand that they cease and desist from any further attempts to contact me or report this debt to any credit bureaus. 

The debt in question is related to an equipment rental from XXXX. I returned the equipment to XXXX and have the original receipt from XXXX as proof. The Pandemic was very prevalent in XXXX. The company employee was delayed in picking up the equipment due to the Pandemic. The bill was paid and all that was needed was to turn in the equipment. XXXX wrote off the amount. I do not owe Credit Management LP anything. 

This is causing me a lot of stress and XXXX, as well as damaging my credit score and reputation. Therefore, in addition to filing this complaint I also filed with the XXXX. I am requesting your intervention to stop this abusive and fraudulent behavior. 

Please investigate this matter and take proper action against Credit Management XXXX. I also ask that Credit Management LP remove this debt from my credit report. Please let me know of the outcome of your investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In the past ( and present ) my consumer rights violated with the following credit reporting agencies : XXXX, XXXX, XXXX XXXX XXXX XXXX .These companies were reporting inaccuracies. ( To which this company gathered their information from 1 or if not more, information from these agencies ) .I 've sent a letter to asking for validation of debt, with reasonable debt in reasoning that my accounts were compromised. This company has acknowledge there wrong doings, and has resulted to reporting derogatory remarks on my account. 
Violation # 1 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX XXXX per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the 1st time. Every company in their agreements with consumers said they would follow the law and agreed to do so.They are aware that they are breaking the law. 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement Violation # 2 ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request its immediate removal 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 2023-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
Advantage claimed that total and permanent XXXX was approved and loans were discharged XX/XX/ ( letter I possess ) and would be reported to consumer reporting agencies XX/XX/. On XX/XX/ the loans were transferred to US department of education to be transferred later

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-12-19 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: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I attempted to withdraw {$300.00} from my account at a Wells Fargo ATM. The transaction completed but the cash was not dispensed. I called to file a claim, request my money back, spoke to the bank manager at a local branch plus talked to numerous departments at Wells Fargo and was told by all that it would need to be investigated and would take 10 days. The bank even sent me an email noting that there was an error during my most recent ATM transaction. When I was on the phone with Wells Fargo, no one could assist me with replacing the {$300.00} or accelerate the resolution. I am now without {$300.00} and dont know if I will even get it back.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XXXX a letter was sent to XXXX, Transunion and XXXX requesting debt validation and method of verification with all supporting documentation bearing my signature. To this date there has been no documentation provided and no response from the credit bureaus. This shows that XXXX, XXXX and Transunion are not complying with their own policies to report accurate information, provide validation and method of verification along with all supporting documents in a timely manner this is a clear violation of my FCRA and FDCPA rights.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XXXX a letter was sent to XXXX, XXXX and Experian requesting debt validation and method of verification with all supporting documentation bearing my signature. To this date there has been no documentation provided and no response from the credit bureaus. This shows that Experian, XXXX and XXXX are not complying with their own policies to report accurate information, provide validation and method of verification along with all supporting documents in a timely manner this is a clear violation of my FCRA and FDCPA rights.

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 2023-12-19 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: TN

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed 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 2023-12-19 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: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-12-19 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: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-12-19 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: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have disputed the balance with creditor, XXXX, Transunion and XXXX. Account balance and status reported is incorrect.

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 2023-12-19 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:
My consumer report contains multiple errors : inaccurate personal information, addresses that were never associated with me, wrong phone numbers, inaccurate bankruptcy information ( wrong Case number, asset amount ). 
I've tried several times to fix it with Experian. But they either never answer or just send you a letter that the account was verified. They never answered my request to provide method of verification and the name of the person they had verifies the information with. Moreover XXXX of the XXXX XXXX told me the never share information with CRAs. So the furniture of the information on my Experian consumer report 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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report is showing inaccurate information that is concerning me. The inaccuracies with my name and address are causing verification issues and affecting my ability to get credit. This is a violation and I demand these errors be corrected by you

Company response to consumer: Closed with non-monetary relief