vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
TO WHOM IT MAY CONCERN My name is XXXX XXXX. I am an entrepreneur the CEO of XXXX XXXX and currently a marketplace seller with Walmart. 

I hope this message finds you well. I am writing to formally express my frustration and concern regarding the recent closure of my personal accounts ( Checking ending is XXXX and savings account ) with Capital One and the withholding of my funds, nearly the {$25000.00} currently in limbo. 

I was shocked to discover that my accounts had been closed without prior notification or explanation. I have been a loyal customer, and I expect transparency and communication regarding any actions taken on my accounts. The inability to access my funds has placed me in a challenging financial situation, and I urgently need these resources released. 

I use my checking account ending in XXXX to receive my business income from Walmart which enters through XXXX for the past 6 months without any issue. Recently I applied for business cash advance to purchase inventory from " XXXX XXXX '' in the amount of {$11000.00} and received it on XX/XX/year>. I then placed an order and used my savings account to send Wire to XXXX where I always purchase inventory from my suppliers and CAPITAL ONE flagged my account and closed all my Checking and Savings account without prior communication. This has caused me serious inventory shortage and my Walmart seller performance went down which will result in suspension of my WALMART seller account. 

These funds are my income and I can not pay my rent and bills which will result me from being evicted by my landlord. Also warehouse rents are also due which will result in eviction in the next 15 days. 

I am attaching the following documents : 1. Proof of business ownership XXXX Articles of organization - XXXX XXXX 2. Walmart XXXX XXXX account screenshots to show I, XXXX XXXX is the owner of Walmart seller account. 
3. Proof of all the funds income from Walmart that was deposited in XXXX. 
4. XXXX Statement showing all of my income that was transferred to my checking account ending in XXXX 5. Prood of contract from XXXX XXXX showing the cash advance received from cash advance. 
6. Proof of Identity - Driver License 7. Proof of business address- Lease contract 8. Proof of Supplier invoice which was used to make payment through Wire transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: CA

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX Balance : {$0.00}

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 2024-10-01 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-10-01 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due XXXX XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX  XXXX Account Number : XXXX Balance : {$1100.00} XXXX  Account Number : XXXX Balance : {$6700.00} XXXX  Account Number : XXXX Balance : {$1500.00} XXXX  XXXX Account Number : XXXX Balance : {$730.00} XXXX Account Number : XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$560.00}

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 2024-10-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I got locked out of my account from a XXXX  transaction, I called in to provide ssn, birthday, credit card number in order to regain access to my account, but they said unless i have my account number, which i never got a check book, they will not help. I need to access the account to pay bills and they are refusing to help with all the credentials I have given them.

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 2024-10-01 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: TX

Complaint narrative:
I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.

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 2024-10-01 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: CA

Complaint narrative:
In accordance with the fair credit reporting act. The account below had violated my federally protected comusumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 Section 604 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 of information any other adverse item of information, other than records of convictions of crimes which antedates the reporting 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 's reporting agency if the person knows or has a 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 2024-10-01 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against Columbia Debt Recovery concerning their handling of a debt I have been working to resolve. Despite my best efforts to settle this matter, the companys actions have been unreasonable and unjust. 

Around XXXX, XXXX, I entered into an agreement with Columbia Debt Recovery to pay off a debt in installments. I paid a total of {$1800.00} towards this debt as part of our agreement. Unfortunately, I missed the deadline for the final payment, but I immediately contacted the company to inform them that I needed an additional XXXX weeks to pay off the remaining balance. Despite my proactive approach, they denied my request for the extension. 

The company then informed me that, due to the missed deadline, I now had to pay the full outstanding balance rather than the agreed-upon remaining amount. I found this response unreasonable, especially given my good faith efforts to resolve the debt. I attempted several times to negotiate a fair settlement and even offered to pay a lump sum to finalize the balance. However, Columbia Debt Recovery insisted that I needed to pay an additional {$2000.00}, which I find excessive and punitive, especially considering that they are not properly accounting for the {$1800.00} I have already paid. 

Throughout these interactions, the companys representatives were unhelpful and rude, making the situation even more difficult. I believe their actions are in violation of fair debt collection practices, and I am seeking your assistance in resolving this matter. 

I request that the CFPB investigate this issue and help facilitate a reasonable and fair resolution. Specifically, I would like Columbia Debt Recovery to honor the original terms of our agreement and take into account the payments I have already made. 

I appreciate your attention to this matter and look forward to your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
To Whom It May Concern, I previously disputed the Calvary Portfolio SE account for inaccuracies on my XXXX, XXXX, and XXXX reports under 15 U.S.C. 1681. No modifications or proper actions were taken. I am requesting the immediate removal of this account and confirmation within 15 days Respectfully. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

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 2024-10-01 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union has placed account # XXXX on my consumer report. I have sent several emails and letters requesting a 1099-C. I know that once the company has placed the account in a charge-off status, they have used this debt as a tax write off, which now makes it taxable income for me. According to Fair Credit Reporting Act, 15 USC 1681c ( a ) ( 4 ), accounts placed for collection or charged to profit, and loss should be excluded from a consumer report. Because the status of this account/tradeline is in a charge-off state, it also should not be reporting a balance, but currently is reporting a balance of {$7900.00}. Due to the balance still being reported and the account being in a charge-off status, the information that is being reported is inaccurate, and it is continuing to be reported as of XX/XX/year>. 
According to 15 USC 1681e ( b ), XXXX shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The information provided above shows that the information that is being reported is not accurate. 
Also, Navy Federal Credit Union has failed to comply with 15 USC 1681c-2. The responsibilities of a furnisher of information to a consumer reporting agency. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
Consumer reporting agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. 
Although I have requested a 1099-C several times Navy Federal Credit Union has failed to comply, and they never responded to any of the letters that were sent. XXXX has failed to comply with the FCRA. I have sent letters to XXXX about this violation several times, but they have failed to remove this tradeline/account from my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: SC

Complaint narrative:
On XX/XX/year> I reached out to Experian, XXXX, and XXXX upon me noticing the numerous amounts of incorrect information on my credit report. I made them aware that some of the names listed as well as accounts did not belong to me. I submitted proof of identificaton as well as proof of address and still the negative items remain. t

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