vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Capital One due to the ongoing issue with the reporting of a late payment on my account, number XXXX. 

Upon reviewing my recent credit report, I discovered an inaccuracy for the month of XX/XX/year>, indicating a 30-day late payment. To address this matter, I initiated communication with Capital One and spoke with a representative who assured me that corrective measures would be taken. Specifically, the representative confirmed that an update would be sent to the credit bureaus to remove the 30-day late payment from my record. 

However, to my concern, this correction has not been reflected in my credit report to date. The late payment is still visible, impacting my credit score adversely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I've already submitted a complaint with you ( case XXXX ). MOHELA has not take any action and I'm still waiting on the refund of my over {$15000.00} they erroneously sent to my ex-husband. Kindly review the prior case and open up this new complaint to reach out to MOHELA and get my money back. They are non-responsive and have done nothing in over a XXXX. I've provided them proof of payment by sending them copies of my bank statements showing the money that was paid to them came from my personal bank account and they still haven't responded. These stalling tactics are unfair to me. I have reached out and filed complaints with both the Department of Education and the Federal Student Aid Ombudsman and nothing has happened in over a XXXX. They keep referring me back to MOHELA, who in turn is non-responsive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a credit card from BK OF AMER and have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I called BK OF AMER, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BK OF AMER with no successful resolution. XXXX, XXXX, and XXXX reported me 30 days late in XX/XX/year>. There was an error on their part. I was never 30 days late.

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 2024-01-31 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:
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.

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 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 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
XXXX in the ReEntry Dept. called XXXX XXXX, XXXX, Wells Fargo 2nd level denied mortgage assistance application they received XX/XX/XXXX. She said there are no more options because of a time limit of 3 years given by Wells Fargo Mortgage the Investor. I asked why they continue to postpone foreclosure sale dates if they are going to allow the application not to be processed. Refusing to process application continues to increase mortgage my balance. She advised they're wanting me to seek out ways to get funds to have my mortgage reinstated. Wells Fargo has me in a line of credit requested FHA Loan when I purchased my home. I have been trying to get mortgage assistance for several years, Wells Fargo will not assist me. I don't want to lose my home to foreclosure sale date is XXXX XXXX. Resubmitted Mortgage assistance request XX/XX/XXXX, XX/XX/XXXX. 
I am being discriminated against because I am a XXXXXXXX XXXX who is a XXXX XXXX. LN # XXXX XXXX Foreclosure sale XXXX XXXX Process mortgage assistance request. 
Don't want to lose my home to foreclosure.

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 2024-01-31 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:
I have sent numerous letters to the credit bureaus requesting that several accounts be validated that are on my credit reports. Despite my numerous letters, these accounts are still reporting inaccurately. 

XXXX continues to report the payment history different on all XXXX bureaus. 

and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) continues to report the payment history different on all XXXX bureaus. 

Per the FTC, this should have been corrected already per my numerous requests.

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 2024-01-31 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: LEXISNEXIS
State: TN

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.

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 explanation
Consumer complaint received 2024-01-31 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 sent the follow letter to XXXX XXXX Unit XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FERPA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 20 USC 1232g and 34 CFR Part 99. 

Do not report to any consumer reporting agencies including but not limited to XXXX, XXXX and TransUnion.

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 2024-01-31 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: PA

Complaint narrative:
I sent the follow letter to XXXX XXXX Unit XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FERPA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 20 USC 1232g and 34 CFR Part 99. 

Do not report to any consumer reporting agencies including but not limited to XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has recently come to my attention that several new requests for credit have been submitted using my personal information. I am the victim of identity theft and fraud. My personal information has appeared in data leaks through XXXX and XXXX, and I have been notified that my information has also appeared on the dark web. 

The following accounts have been attempted to be opened in my name : 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 XXXXXX/XX/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 2024-01-31 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: CA

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX Unauthorized Inquiries : XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: GA

Complaint narrative:
Attached is the statement from the bank accepting the error not to pay my mortgage I have contacted the servicer they told me to contact the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
I complained to you with complaint XXXX, and the bank responded with old bills on the account I closed. The sen t me the same bills. They did ot respond to you or me on why after closing the account paying some money, and receiving some money back, and they cut up my bank card, my account was closed.Later they said the Cash Advance wasn't closed... it was part of my account... bank SCAM. A few months after closing he account I got a bill for {$26.00} for the fee on the Cash Advance the a few months later a bill for {$56.00} for the same thing, then again a bill for {$76.00} for the same thing... .SCAM

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 2024-01-31 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: VA

Complaint narrative:
I am writing to file a formal complaint against XXXX, Transunion and XXXX, regarding the unlawful use of my personal information. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance in investigating and resolving this matter. 
There are multiple inquiries on all of my reports that go against 15 USC 1681 ( b ) : " ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. '' There are a total of two accounts on my credit reports that are listed as charge offs and all charge offs are forms of income and should not be listed on my reports.

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 2024-01-31 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: VA

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX and Experian, regarding the unlawful use of my personal information. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance in investigating and resolving this matter. 
There are multiple inquiries on all of my reports that go against 15 USC 1681 ( b ) : " ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. '' There are a total of two accounts on my credit reports that are listed as charge offs and all charge offs are forms of income and should not be listed on my reports.

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 2024-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX Source Receivables Manag collections was removed from my credit report Between XX/XX/XXXX and XX/XX/XXXX XXXX Source Receivables Manag collections was re added to my credit report Before the XX/XX/XXXX date Source Receivables Manag collections added a collections between XX/XX/XXXX and XX/XX/XXXX which was removed between XX/XX/XXXX and XXXX XXXX XXXX XXXX  I have never received any information about this account which keeps adversely affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Capital One has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states that a consumer report agency can not furnish and account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
Hi, I've contacted Ally XXXX times and requested them to submit a reimbursement request to XXXX for the following below. Ally has noted that I need to contact XXXX directly. I contacted XXXX directly multiple times and they told me I have to go through Ally since the transaction was performed there. Formal {$900.00} reimbursement request needs to be submitted. 


On XX/XX/XXXX, we we reached out to about available XXXX XXXX tickets from XXXX  ( the id of the account ) on XXXX. This user informed us that she had tickets available that she would not be able to use and just wanted to get what she paid. We paid {$900.00} for the tickets as indicated in the transfer request. I am including a copy of the transfer request as documentation. Here are the key details from the Transfer request in clear text : To : XXXX XXXX at XXXX From : Interest Checking - XXXX Sent : Thursday, XX/XX/XXXX Deposited : Thursday, XX/XX/XXXX Speed : Within minutes Reason : XXXX XXXX XXXX XXXX Payment ID : XXXX After the payment went through XXXX  asked for a screenshot of the transaction which we sent to her. Further XXXX noted that her partner would verify that he received the payment and she would transfer the XXXX tickets to my XXXX  account. XXXX  then said her partner was working and would let us know when off. Later that night we were informed her partner was working a double shift and she would get it all sorted out in the morning. XXXX continued delay tactics and we sent a request for a refund of the {$900.00} which remains un-fulfilled. XXXX portion : On XX/XX/XXXX, XXXX XXXX sent a formal request for refund to XXXX at XXXX XXXX XXXX including all of the details reported above. We have still not yet received a refund of our fraudulently stolen money.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
I just received an email saying I have purchased XXXX. I don't even want to open the invoice. XXXX gives me the creeps.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
My spouse sometimes gets gift cards for extra work or special work and we use these often to purchase gifts or needed items for special occasions. I made several purchases at XXXX on differing occasions using these gift cards, cards that the cashier would toss after using up the amount on the card. However, several times I needed to return items and without given an option the amounts would be placed back on the card used. This happened a total of 3 times in two seperate returns at XXXX who appeared to be at a loss when we explained that it was a gift card we no longer had that was used to make the purchases. The cashier would then say to contact the issuer of the cards. 
I sent Vanilla Visa Gift Card Customer Service several letters and emails providing them the information they required. It never appears that I provide enough for them and that there is yet another excuse to why they can not issue me a new card. These are funds that have been returned to them and they are attempting to make it as difficult as possible to " prove '' I am worthy of their card refund. I have been attempting to deal with this since XX/XX/2023. A copy of the return receipt issuing funds back to their cards does not appear sufficient, nor my license because it was in black and white copy, so I sent the receipts once more with a color copy of my license and now they are asking I go back to the store and get more proof from them by obtaining more than the detailed receipt I provided to Vanilla Visa Gift Card. 
I think they are attempting to just defraud users of these cards, who eventually just give up and that is not okay. I have the proof and I provided my license to them, yet they continue to ask for more that I can not understand the need for as I have the detailed receipt copy with the transaction information and the store and card number reissued to.

Company response to consumer: Closed with explanation