vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year>2024 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal of Duplicate Reporting of Charged-Off Account Dear Sir/Madam, I am writing to formally request the removal of a charged-off account that is being inaccurately reported twice on my credit report. This account, which has been sold to XXXX XXXX, is listed both as a charge-off by XXXX XXXX and as a collection account by XXXX XXXX. This duplicate reporting is not only inaccurate but also a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on credit reports must be accurate and not misleading. 

The details of the account are as follows : 1. **Original Creditor : ** XXXX XXXX 2. **Account Number : ** XXXX 4. **Collection Agency : ** XXXX XXXX According to the FCRA , specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate information on my credit report. Reporting the same debt twiceonce by XXXX XXXX and once by the collection agencyconstitutes inaccurate and misleading information. 

I request that XXXX XXXX immediately correct this error by removing the charged-off account from my credit report. Please provide me with written confirmation once the correction has been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/scrub> 2024 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal of Duplicate Reporting of Charged-Off Account Dear Sir/Madam, I am writing to formally request the removal of a charged-off account that is being inaccurately reported twice on my credit report. This account, which has been sold to XXXX XXXX, is listed both as a charge-off by XXXX XXXX and as a collection account by XXXX XXXX. This duplicate reporting is not only inaccurate but also a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on credit reports must be accurate and not misleading. 

The details of the account are as follows : 1. **Original Creditor : ** XXXX XXXX 2. **Account Number : ** XXXX 4. **Collection Agency : ** XXXX XXXX According to the FCRA , specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate information on my credit report. Reporting the same debt twiceonce by XXXX XXXX and once by the collection agencyconstitutes inaccurate and misleading information. 

I request that XXXX XXXX immediately correct this error by removing the charged-off account from my credit report. Please provide me with written confirmation once the correction has been made. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-06-25 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: AR

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Incorrect DOB : -XX/XX/XXXX Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: PA

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report dating XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX # XXXX ) I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. 
XXXX XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I called on XX/XX/XXXX at XXXX XXXX  eastern standard time and let the representative know I was recording the phone call. I made the company aware of the violations/law they were breaking. The rep acknowledged that they were reporting late transactions and will continue to do so. Im not sure if this company has some sort of relationship with the Credit reporting agencies to report transactions but I will be seeking legal actions against this company, for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent enablement of identity 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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My wife and I have a joint BJs Mastercard through Capital One. I authorized my XXXX bank to electronically transfer {$2200.00} on XX/XX/year> to pay a bill. Capital One claims that they never received this payment even after XXXX provided them with proof that the transfer went through. Capital One is continually charging me interest and fees every month and say I still owe the {$2200.00} amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: RI

Complaint narrative:
Account Number : XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment reported on XX/XX/year>, for my XXXX XXXX XXXX installment loan account. 

I want you to know that I understand my financial obligations, and if it werent for being XXXX  in the USA, facing a language barrier, and experiencing financial difficulties as a student, Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive improved my money management and have had a spotless record of on-time payments. 

Im planning to apply for a car loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and remove the XXXXXXXX XXXX XXXX installment loan account from my report. 

Thank you for your consideration, and I hope youll approve my request.

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 2024-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DriveTime
State: CA

Complaint narrative:
Was a car loan labeled as a retail installment contract and security agreement but I found it was really a credit application 15 USC 1692e misleading representation 15 USC 1692J False and deceptive 15 USC 45 Unfair methods of competition 15 USA 1605 15 USC 1602

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2024 Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal of Duplicate Reporting of Charged-Off Account Dear Sir/Madam, I am writing to formally request the removal of a charged-off account that is being inaccurately reported twice on my credit report. This account, which has been sold to XXXX XXXX, is listed both as a charge-off by Capital One and as a collection account by XXXX XXXX. This duplicate reporting is not only inaccurate but also a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on credit reports must be accurate and not misleading. 

The details of the account are as follows : XXXX. **Original Creditor : ** Capital One XXXX. **Account Number : ** XXXX XXXX. **Collection Agency : ** XXXX XXXX According to the FCRA , specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate information on my credit report. Reporting the same debt twiceonce by Capital One and once by the collection agencyconstitutes inaccurate and misleading information. 

I request that Capital One immediately correct this error by removing the charged-off account from my credit report. Please provide me with written confirmation once the correction has been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I was in multiple medical situtions where i recived services but wasnt able to provide my medical card number due to my curcimstances. i most likely went to XXXX  so time went by from where i was able to provide insurance information now the debt has been kicked over to a debt collector AND i told them my sitution and that i coulndt pay because im currently XXXX XXXX but truly i dont feel i need to pay because i had insurance i got XXXX  after the case so due to the being the senerio i ask for forgiveness

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year> venmo sent me a email stating that the remaining balance in my account was available for standard transfer to a bankaccount that is mines I proceed to add a bank account through plaid and manually and it did not let me connect my account for some reason giving me a error message every time I tired to upload and add my bankaccount.. I am left with no other options to get my money off of venmo due to me having only one bankaccount that I use I do not have multiple bankaccounts to use I don't know what else to do to get the remaining funds out of the account.. I am asking venmo to please help me add my account and retrieve the rest of my remaining balance to my bankaccount immediately I don't know what other steps to take to get my money I have waited the 180 days already venmo has gave me permission to withdraw my funds to a bankaccount but won't let me upload my bankaccount to do so, I don't know what else to do or any other measures to take to retrieve my funds my account is unrestricted for standard transfer so I don't know what is the issue with me adding a bankaccount to withdraw my funds can someone please fix this issue for me asap so I can withdraw my funds before venmo close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: FL

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX ) XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX XXXX ) XXXX # XXXX - XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX Here I attach, XXXX XXXXh the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

The accounts below have violated my rights. 

* 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I am a small vehicle wrap company. We reached out to synchrony in order to allow our customers to finance their purchases. We were at the starting process of understanding how their company works and the services that they could provide. Their representative was completely unprofessional. Despite repeated notifications that her voicemail was full it continued to be full over the next week of correspondence. When we were finally able to coordinate our schedules and have a discussion we were disconne during the most important part of our phone call. Despite trying to call back immediately and repeated emails it took us almost another week to connect again on another phone call. At the same point during our discussion we were disconnected. We immediately called back again and were immediately transferred to the full voicemail where we were unable to leave a message. We immediately emailed the contact with no response. This was the second time it happened and this company seems highly suspicious in my mind. In order for us to sign up for their services they emailed me forms to fill out. These forms included highly confidential routing, checking account, Curity number, federal ID, and other fields that I was simply supposed to fill out and then email back to them. It seems that a financial lending company would have a more secure process than a representative emailing forms and expecting secure information to be completed and sent back in email which is highly unsecure. This combined with their very vague website, horrible XXXX XXXX XXXX review, and just general common sense has led me to file this complaint. They had over 2000 complaints on the XXXX XXXX XXXX site. They have a 1-star rating. I hope that somebody looks into this company and does an audit. They are obviously highly suspect and I believe more than likely fraudulent in their business practices. There are standards that are financial company such as this would need to uphold and if they can not even clear their voicemail and have a completed call during the sales process then again they are highly suspect in my opinion.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I entered bank information on the chase website. I made a payment. My bank denied it. I got a letter from Chase saying the payment was still due, and late. In looking at the documents I saw that they used the routing number as the account number and on another document they had the account number wrong. I went to my bank and they showed me this document. I sent this info to Chase along with a letter from the bank stating that not only did they have the information wrong, but that it had also happened with other accounts. My concern fell on deaf ears so I opened a case with all three reporting agencies but only XXXX took it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I took out XXXX from my home branch, XXXX, in XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX as advised from the Chase bank located in XXXX XXXX california as a way to deposit XXXX funds into my husband, XXXX XXXX, account at chase bank . On XX/XX/XXXX I deposited the money order into my husbands count in person with XXXX. Both my husband and I signed the back of the money order and provided our government issue ID in the form of a passport and drivers licence. We were not told or warned that the money could be withheld from us and we have on receipt that the funds would be available by XX/XX/XXXX. He has since had his account frozen and told that they will withhold the funds for up to two years and then give to the state if they can not verify the money order. I have called their fraud department line several times and spoke to the agents of the names XXXX, XXXX, and XXXX. XXXX told us he did not see why our funds would be held and requested the account to be unfroze, the request was later denied. The only form of releasing funds they have offered is proving a US phone number that exists in their data base. I have an American phone number with the bill in my name I provided, and that was not accepted. My XXXX  bank  offered to reach out and verify me, which chase bank also denied. I went in person to two chase branches to try and verify myself and that was also denied. I am seeking help to have my funds released as I have tried every method possible to verify the funds with no progress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: GA

Complaint narrative:
A few years ago I sent My personal information to XXXX XXXX XXXX XXXX at that time they wore a breach in XXXX XXXX and XXXX Information was stolen Because of that Since then I have received all these negative information on my credit report that is not mine and I want them off. The first account was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Just to name a few of the accounts that I saw on my credit report also some of them are in a collection status and some of them are in a charge of status. All these collection accounts and charge off accounts that are listed on my report are not mine. I have never been late on any of my obligations And to see the credit reporting agency Destroy My life when they were in the wrong.in accordance with the fair credit reporting act convergent accounts all of them has violated my Rights 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.

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