vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is a simple dispute case that Capital One has been unable to resolve for nearly XXXX months. I cancelled an annual membership on XX/XX/XXXX but was still charged for it on my Capital One XXXX card. 

On XXXX, my Capital One card was charged {$60.00} for a XXXX membership. Customer service for XXXX informed me that I would not be receiving even a partial refund for this annual membership. So I have been charged {$60.00} for 12 months ' worth of a membership that I cancelled on XXXX and no longer have access to. 

I first disputed the charge with Capital One on XX/XX/XXXX, as soon as XXXX confirmed that they would not refund me. Capital One opened the dispute and refunded me an incorrect amount and closed the case. When I contacted them about that, they said I had entered the incorrect amount for the dispute and would have to reopen the case. So we did that and I supplied all requested documentation again. 

My case was again closed, with Capital One saying in a letter on XX/XX/XXXX that they'd already responded to the dispute and so were closing it again. I then called a representative, explained again that the refund they'd provided was for the incorrect amount, and we had to open the case for a third time. 

Here 's the timeline of what's happened since then : -- XX/XX/XXXX : I received a letter requesting more documentation. 
-- XX/XX/XXXX I called Capital One customer support to request a secure upload link to upload my documentation. 
-- XX/XX/XXXX : I received a letter requesting I fill out and upload additional forms, which I did. -- XXXX I received a letter saying they'd made a mistake and requested the incorrect documentation and to disregard that previous request. A second letter sent on XXXX said they had received my response but " it lacks all of the previously requested information to needed to validate your dispute ''. 

This indicates that for some reason, even though I spoke to a representative on XX/XX/XXXX and requested a secure upload link, that they no longer had access to the documentation I had previously uploaded. But instead of having a representative contact me and ask me for it and make sure they received and can access it, they've simply decided to just close the case and charge my card again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-04 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: MA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-11-04 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: NY

Complaint narrative:
The items in question are currently involved in ongoing litigation due to reporting errors on my credit report. Given their status in pending litigation, verification of the disputed errors is not possible. Therefore, under 15 U.S. Code 1681i ( a ), these items must be removed.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: MI

Complaint narrative:
i can access my funds they wouldnt allow me to access any of my accounts i need to pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was trying to transfer money into my external account and in the bank took of my external account and the money says reversal but the account was charged money and never got it back they have messed up on 3 disputes on this before because they made a mistake and I just got another denial if this does not go through they would have taken XXXX $ out of my account and I need that money for rent food and living expenses

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
Late payments not correct account has been closed for over a year still showing late payments for this year and last year when it got settled at the end of 2022

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 2024-11-04 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:
I am writing to formally request the blocking and deletion of certain accounts on my credit report as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent items blocked and removed from my credit file. 
The specific accounts that need to be blocked and deleted are as follows : Accounts : 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

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 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the information reported by your company on my credit report. Specifically, I recently received a redacted sale agreement that fails to provide sufficient details to validate the debt, as required by the Fair Credit Reporting Act ( FCRA ). 

Pursuant to the FCRA, I am requesting that you provide full and detailed verification of the debt in question. This includes : A complete and unredacted copy of the sale agreement and any accompanying assignment contracts that show the chain of ownership and the authority to collect this debt. 
Documentation demonstrating that the debt is valid and that I am the correct debtor. 
Proof that your company has the legal authority to report this debt to the credit reporting agencies. 
Under the FCRA, you are required to investigate my dispute and provide me with the requested information within 30 days. If you are unable to provide proper verification, you must cease reporting this debt and inform the credit reporting agencies to remove or correct the inaccurate information. 

Please be advised that failure to comply with these requirements may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to enforce my rights under the FCRA. 

I look forward to your prompt response and the necessary documentation to resolve this matter. If you have any questions or require additional information from me, feel free to contact me at the phone number or email address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX a letter was printed by Third Federal notifying me that " records show subject property is in a Special Flood Hazard Area '' Therefore you are required to have flood insurance on that property. My property was remapped by FEMA in approximately XXXX. Lenders were apparently notified by FEMA and then scrambled to prove flood coverage to FEMA, prompting the letter that I received. Even though my credit line is only $ XXXX ( XXXX 20 % ) and the principal balance was XXXX, the letter demanded proof of coverage in the amount of {$250000.00}. 
I received the letter on or about XX/XX/XXXX, and began to research the flood maps and other related law. 
I believe the following facts to be true. 
The lender can only ask for coverage in the amount of the principal balance. 
FEMA does not require coverage where the loan amount is {$5000.00} or less.

The borrower is entitled to a 45 day notice ( requiring 2 letters ) prior to forced placed insurance being purchased by the lender. 
There was quite a bit of hurricane activity in FLORIDA during this time frame, but I was able to get a policy in place by XX/XX/XXXX, costing {$780.00} The lender, however, has purchased a flood policy in the amount of {$4300.00} and intends to bill me for the term of XX/XX/XXXX until XX/XX/XXXX. 

It is outrageous that the federal government, by creating these new XXXX maps as a tool to tax citizens for flood risk, and has apparently deputized the banking system to enforce the tax. 

I maintain that the notice provision which actually had no effective notice is defective and violates TILA. The {$250000.00} coverage demand is fraudulent. The {$4300.00} amount is fraudulent, as the banks normal reasonable effort should have been able to place coverage for no more than {$1500.00}. 
The banks failure to notify me in a timely fashion of their need to prove coverage by XX/XX/XXXX is wholly their fault. 
Please remedy this failure of the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
An account ( XXXX XXXX XXXX ) was removed from XXXX and XXXX but has not been removed from TransUnion. I have disputed this over XXXX times explaining to them the reasons and explaining that it was removed from the other XXXX bureaus. Because the other XXXX removed it they were supposed to but that has yet to happen no matter how many times i have disputed and requested through the dispute that i would like paperwork and information on the account from the creditor and they refuse to give information that validates the debt. Transunion is aware and have also requested information regarding the debt ( proof of repo and sale ) but they have not provided the information to TransUnion. Because they are refusing to cooperate with myself and TransUnion I am asking that TransUnion remove the account just like XXXX and XXXX did

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 2024-11-04 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: MA

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I am a " paid '' victim of the XXXX data breach. These accounts were listed as being fraudulent, yet they are still showing on my consumer reports. Please assist me in removing 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 2024-11-04 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I am a " paid '' victim of the XXXX data breach. These accounts were listed as being fraudulent, yet they are still showing on my consumer reports. Please assist me in removing them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was set up illegaly by wells fargo for the XXXX  product for three months in XXXX and over a decade until XXXX. These deceitful practices need to be address with Wells Fargo and this has caused to lose trust in other businesses. They have failed to show me how much of a loss I took during those times.

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 2024-11-04 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that fully intent to pursue litigation in accordance with the FCRA to enforce my rights and see relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation federal Law. You are required under the FCRA to have properly verified that an account listed on my credit file is mine by having a copy of the original credit application on file. In the results of your first investigation and subsequent reinvestigation you stated in writing that you verified that these items are being report correctly. Who in your company verified these accounts are mine? How did they verify them? You still have not provided me with the name of the individual, business address, and the telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETED all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for ( Section 616 & 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you send me copies of the documents you used to verify the following accounts list below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

I demand the following accounts be verified or removed immediately. 
Name of Account : Account Number : Provide physical Proof of Verification : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Our Chase Visa was used without our permission. 

On XX/XX/2024, XXXXXXXX XXXX XXXXXXXX charged our credit card {$8200.00}. XXXX is a XXXX XXXX where my wife 's parents live. The rent is their responsibility and the account is in their name. We never authorized our credit card to be used for this purpose. 

When we saw the incorrect charge on our statement, we contacted both Chase Bank and XXXX. XXXX acknowledged the error and asked us to dispute the charge with XXXX. XXXX temporarily reversed the charge, but then rebilled us later on our XXXX statement, claiming that XXXX was now claiming it was a legitimate charge. 

The Resident Detail ledger shows that on XX/XX/XXXX, the disputed charges were reversed, and on XX/XX/XXXX, XXXX XXXX paid the account in full by ACH. With the rebilling of the bad charge, XXXX has now been paid twice for the same rent. 

To summarize, 1 ) this charge was never authorized and 2 ) when initially reversed, payment was made in full by the correct person, XXXX XXXX. 

Nevertheless, Chase Bank now tells us that their rebilling is final and it is too late to appeal. XXXX and/or XXXX have stolen {$8200.00} from us.

Company response to consumer: Closed with explanation