vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Account info Account name 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: GA

Complaint narrative:
They are refusing to reverse payments which were not authorized by me. They are not sending me the proof they just keep saying Ill receive it in mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Marlette Funding, LLC
State: MI

Complaint narrative:
This issue has been going on for months now I try to use the card and every transaction gets declined. Ive tried using it at multiple locations makes no difference if Im at a gas station and grocery store or buying a movie ticket for the life of me I cant get the card to work I have called on multiplications you said that youve restarted the card reset the card you told me to wait XXXX hours other time you tell me to wait XXXX hours But nothing ever works. What does it take to get you to fix the card so I can use it like Im supposed to be able to? Im not at my credit limit Im not behind on anything never missed a payment I mean Im a good customer I do have a small balance but its very small, so why doesnt the card work?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
On XX/XX/2023 i submitted a letter to the credit bureau disputing all inaccuracies on my credit that i have listed below. The credit bureau completed their investigation verifying the accounts as accurate. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX According to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning any such items of the information.

They stated my accounts were verified but how is that possible if they didn't not do a proper investigation according to the law. Also every piece of information of these accounts are still not reporting 100 % Accurate and according to the FCRA 15 USC 1681 has to be 100 % accurate. I have the credit report showing the inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
On XX/XX/2023 i submitted a letter to the credit bureau disputing all inaccuracies on my credit that i have listed below. The credit bureau completed their investigation verifying the accounts as accurate. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX According to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning any such items of the information. 

They stated my accounts were verified but how is that possible if they didn't not do a proper investigation according to the law. Also every piece of information of these accounts are still not reporting 100 % Accurate and according to the FCRA 15 USC 1681 has to be 100 % accurate. I have the credit report showing the inaccuracies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: MN

Complaint narrative:
I have tried to apply for a loan, but they denied it since they indicate that there is a social security number, I currently have an ITIN NUMBER, I do not have an SSN. This is mixed information. I have requested and sent TransUnion and XXXX the evidence and my documents, but they still ignore 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 explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute this morning for incorrect balance information on a loan that I have. The dispute was resolved less than 6 hours later. The incorrect information wasnt not corrected and no notes from the lender or investigator were left for my record. I contacted the lender and they stated that they have never seen a dispute resolved in this time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 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 2023-10-05 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: MD

Complaint narrative:
On August 1 ,2023 I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I made a purchase of {$2200.00} from XXXX XXXX on XX/XX/2022. I used my Chase XXXX to make the purchase. There were a lot of problems with the order ( damaged item, late arrival, etc. ) and after not making any progress with XXXX XXXX, I decided to resort to my credit card company for consumer protection and disputed {$1000.00} of the amount. I submitted to Chase all of the documentation regarding the order and explained what had happened. After they investigated, I received a letter from Chase stating " that we are pleased to tell you that your dispute has been resolved '' and that I would see a credit of the {$1000.00} within one to two billing cycles. The date of that letter from Chase is XX/XX/2022. I waited for the one to two billing cycles and did not see the credit applied to my account. I reached out to Chase and was told that the credit would be coming. I have been waiting ever since, there has been no credit, and every time I contacted Chase online, I would get a generic response saying that the credit would be applied. I finally called into Chase this past XXXX ( one year later ) and was told that they would NOT be giving me the credit. They are playing with words and tricking consumers, this dishonesty must stop. I have written proof from Chase saying that the dispute has been resolved in my favor and to wait for the credit, and then they turn around and say that the letter doesn't specify who is giving the credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, I applied for Capital One Venture X credit card by mid-XX/XX/2023 and I received an email on XX/XX/XXXX to upload my documents by validating my login using my SSN, when I tried logging in with my my SSN it didn't successfully validate it and I tried reaching their Customer service phone even during which my SSN validation was unsuccessful after several minutes a rep answered my phone and told me to mail the documents ( Passport copy and DL copy ) to a po box , which I did by spending almost {$20.00} for mailing cost. 

On XX/XX/XXXX, I received a confirmation email from Capital One that the document were received and they are processing it. On XX/XX/XXXX, I called Capital One customer service ( with unsuccessful try with my SSN validation over the phone ) and was able to connect with a rep to get a status that they received my documents but no processing has happened at the back-end, which she was going to escalate. 

After two weeks on XX/XX/XXXX, I called Capital One Venture X credit card customer service to check the status ( again with unsuccessful try with my SSN validation over the phone ) and after 40 mins of wait time a supervisor told me that my documents were not clear for processing, i should mail them again for processing, which really frustrated me for two reasons ; 1. Capital One did not notify me that my documents were not legible and I had to call them. 

2. I'm sure, I sent clear documents and why would they not process it. 

I told them, I can not spend another {$20.00} for mail of documents which am afraid they would again say it wasn't clear and I don't have any option to send fax so I requested that whether I could drop my documents at one of their branches, to which the supervisor said they don't process the documents in a Branch. 

This was quite wiered response and I felt that Capital One is doing a scam on Credit card application processing with consumers and they are also making the consumers liable with unnecessary credit check hit on SSN ( which they've already did on my SSN back in XX/XX/2023 ). 

Attached email confirmation from Capital One on my document upload has my application number. 

Pls contact me for further details and kindly take necessary steps to resolve this issue and save consumers from these kind of scams from Capital One credit card. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S. Code 1681 section 602 states I have the right to privacy. 15 U.S. Code 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 US Code1666 B, a creditor may not treat a payment on a credit account under an open and 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 explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Sent in a modification packet on XX/XX/XXXX to Carrington mortgage, then Carrington mortgage started a XXXX  while I was being reviewed for a modification, in XXXX that is called XXXX tracking, and against the law, this company has no regard to law 's, or filing fake documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am writing to formally file a complaint against Hunter Warfield, a debt collection agency, for their relentless and unwarranted actions concerning an alleged debt. I also wish to highlight the numerous violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) that I have endured throughout this ordeal. My intention is to request a comprehensive investigation by the CFPB to address this matter appropriately. 

I want to convey the frustration and sense of invasion of privacy and harassment I have experienced in dealing with Hunter Warfield. Here 's a summary of the events : 1. In XX/XX/2023, XXXX XXXX first notified me of a collection account from Hunter Warfield, an issue I was previously unaware of. 

XXXX. On XX/XX/XXXX, I took the initiative to send a debt validation notice via certified mail to XXXX XXXX of Hunter Warfield, with a firm intent to protect my rights 3. Moving forward to XX/XX/XXXX, Hunter Warfield responded via email, offering documents, including a XXXX rental lease agreement. However, their response left me unsatisfied, as they failed to provide crucial details such as a signature or information about the original creditor. Moreover, there was no clear justification for their claim, and no certification of assignment was provided to demonstrate their rights to pursue this alleged debt, leaving me concerned about the consequences if the debt remained unpaid 4. In XXXX, Hunter Warfield made a resolution offer for a reduced amount via email - 5. In XXXX, I decided to accept their offer, provided that they could legally substantiate their claim through authenticated documents under the penalty of perjury 6. Hunter Warfield responded to my acceptance on XX/XX/XXXX via email, repeating the same information as in their XX/XX/XXXX response. 

7. In XXXX, I submitted a dispute to XXXX regarding the collection 8. On XX/XX/XXXX, I sent a NOTICE OF OPPORTUNITY TO CURE to XXXX XXXX of Hunter Warfield 9. By XX/XX/XXXX, XXXX had removed the collection from my credit report 10. Shockingly, on XX/XX/2023, Hunter Warfield made another resolution offer for the same amount, ignoring all previous correspondence. This behavior clearly demonstrates a pattern of harassment and an attempt to collect a debt for which they lack a proper legal basis In addition to the FDCPA violations previously mentioned, I firmly believe that Hunter Warfield has violated the FCRA in several ways : 1. Posting adverse information on my credit report without a permissible purpose.

2. Failing to contact me prior to reporting the debt to the credit bureaus.

3. The absence of a contractual agreement between Hunter Warfield and myself.

Company response to consumer: Closed with explanation