vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My capital one credit was was stolen from me. when my card was stolen they used my capital one card for purchases which went through. Due to those fraudulent purchases my capital one card went 30 days late. I right away called capital one disputed those fraud transaction and they verified due to the fraudulent transaction they will remove the 30 day late they reported to XXXX XXXX and XXXX. Which they did remove. I have attached my XX/XX/XXXX statement which you will see capital one removed the 30 day late they reported in XX/XX/2023. After 2 months passed capital one reported the 30 day late back which I was in complete shock because that issue was removed. I called them and they don't see the problem and I am having a hard time explaining the situation to them because everytime it is a new employee and they don't know what to do. I need this 30 day late removed from XXXX XXXX and XXXX because it is inaccurate and was due to fraud charges. Below I have also attached my XX/XX/2023 credit report which you will see the late. Please help me resolve this issue like it was originally. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
My mother-in-law is older and loves to buy gift cards for us for holidays. I have another complaint opened against XXXX XXXX XXXX XXXX from XXXX but this complaint is for my birthday gift card, from American Express. The same XXXX  person purchased both and she did this after she was advised NOT to purchase the Vanilla Visa Gift card since we have been trying to use it without success for almost 5 months. This time, she purchased an American Express gift card. I took the gift card ( {$100.00} ) and tried to use it at XXXX XXXX XXXX for the XXXX XXXX XXXXXXXX pass, which cost {$80.00}. Transaction was denied. Attempted to use it at the XXXX airport for a t-shirt but the transaction was denied. Attempted to use it at the XXXX XXXX XXXX but it was also declined. Attempted to load it into my XXXX account today, it was denied. Attempted to use both XXXX XXXX and XXXX XXXX as recommended by online forums, also denied. Attempted to use the card for an XXXX transaction totaling {$70.00}. Also, declined. THIS IS AN INTENTIONAL NIGHTMARE. THESE PREPAID CARDS NOT WORK ANYWHERE ; DESPITE SHOWING A BALANCE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Never received any information in regard of debt by mail and or postal they been calling me non stop please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Wheels of Chicago, Inc.
State: IL

Complaint narrative:
Good afternoon, what happens is that yesterday XX/XX/XXXX I went to the dealer called Wheels of Chicago and there is buy a car XXXX XXXX XXXX valued at XXXX dollars and it is damaged

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccurate information. I am entitled to receive {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-07 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: AZ

Complaint narrative:
Accounts to be blocked per FTC FCRA within XXXX hours of this submission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL ADDRESS DOCUMENTS 2 forms of ID, bank statement, supplemental police report, FTC ID THEFT REPORT, ID FTC AFFIDAVIT and validation attached thanks!

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 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I made a purchase on XXXX on XX/XX/2024 at XXXX Hrs. I was unable to reach the vendor selling the item, so today XX/XX/2024 ( morning time, XXXX ) I cancelled the order. XXXX XXXX issued a refund for {$690.00}, but my debit card was locked at the time the credit transaction was initiated, so Capital One blocked the credit transaction. I used XXXX to make the purchase in order to be protected. However, Capital One and XXXX are now withholding my funds amounting {$690.00}. I have made several attempts to resolve this issue with all three parties : XXXX, XXXX XXXX and Capital One to no avail, they are refusing to help me and I can not get them to transfer me to their accounting department. They keep saying give it XXXX business days to post, but the transaction will never post since it was effectively blocked by them. It's as if they don't even listen to what I am saying. I cant get them to understand that the transaction was already attempted but declined by my bank due to my debit card being locked. I just want my money back for the canceled order. I have attached screenshots of the transaction being blocked ( email from Capital one ), along with the order cancellation confirmation from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. 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 2024-05-07 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: Veros Credit, LLC
State: TX

Complaint narrative:
This financial institution, VEROS CREDIT LLC is in clear violation of the following sections of the law ; ( 15USC1642 ) ( 15USC1681m ), ( 12CFR1002 ) and are subject to criminal liability for violating ( 15USC1691 ). On ( 04/18/2024 ), VEROS CREDIT LLC pulled a copy of my XXXX  consumer report without written authorization or permissible purpose pursuant to both 15USC1681 ( B ) and 18USC1028 ( A ). On ( 04/18/24 ), VEROS CREDIT LLC sent me a notice that I was denied credit for a XXXX XXXX XXXX application from dealership XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. According to the Equal Credit Opportunity Act which is codified in 15USC1691c and pursuant to civil liability under 15USC1691K, Adverse Action against a consumer is AGAINST THE LAW. I have proof that I was discriminated against by VEROS CREDIT LLC due to the response I received from you on ( XX/XX/XXXX ). My social security number ( credit card ) was used by Veros LLC to make an application for financing the vehicle XXXX XXXX XXXX XXXX XXXX, in good faith and credit was not issued. Therefore, because I received no benefit, due to your company denying me of my own credit, this is fraudulent activity on behalf of your financial institution ; Veros Credit LLC ( unauthorized use of credit card ). As the original creditor in any credit transaction, only I decide if I was approved or denied an extension my own credit. If Veros Credit LLC fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card in the next XXXX days, I will have no choice but to make your financial institution criminally liable for all actual damages pursuant to 15USC1681 ( n ) and 15USC1681 ( o ). I will also follow up with an invoice seeking {$10000.00} per violation of the law found in this transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: PA

Complaint narrative:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you check the documents? Some of the listed accounts inaccurately report amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: AZ

Complaint narrative:
Accounts to be blocked per FTC FCRA within 72 hours of this submission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ADDRESS DOCUMENTS 2 forms of ID, bank statement, supplemental police report, FTC ID THEFT REPORT, ID FTC AFFIDAVIT and validation attached thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to dispute an unauthorized credit inquiry on my credit report. I did not authorize these inquiries, nor do I have any business or relationship with these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank has taken over for XXXX with the XXXX credit card. Synchrony bank NEVER notified my that they were taking over for XXXXXXXX XXXX. All of my statements and emails up until XX/XX/year> contain the name XXXXXXXX XXXX Additionally, I have a new account number. I was not made aware that account numbers will change. Furthermore, the website where payments have been made in past has been removed, eliminating my ability to pay my bill. I was able to clear this up by calling Synchrony. Unfortunately, they have reported the late payment to the credit agencies. I do not think this is fair as I wasn't able to access the website, as I didn't have access to my new account number or the knowledge that the website and servicing company had changed.

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 2024-05-07 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: CA

Complaint narrative:
I refinanced both my Mohela and XXXX XXXX loans through XXXX. Mohela has failed to properly credit my payment to XXXX balance. I have called and spoken with people in person. I have faxed proof that XXXX has submitted payment in full on XX/XX/year> and they still have not applied the payment correctly. The loan servicer is not working to clear this matter up. XXXX at their customer service line provided me with the excuse that they have changed their mailing address for payments even though the address used is currently online on their website. I do not want to continue to accrue interest on these with Mohela therefore I have been advised to contact you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
This account has been placed on my credit report after speaking to a lawyer I found its illegal to share any and all medical information to anyone. Medical Data Systems is in violation of my rights I intend to let my lawyer handle this matter if this account is not deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's to my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate please. 

Account - XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: NC

Complaint narrative:
THIS HAS BEEN AN ONGOING ISSUE WITH CREDIT REPORTING AGENCIES REPORTING INACCURATE INFORMATION TO CONSUMER PROFILE, REGARDING THE SECU ACCOUNT. 

WITHIN THE LAST 30 DAYS A LATE PAYMENT WAS PLACED ON A CLOSED ACCOUNT WHICH IS COMPLETELY ILLEGAL AND IN VIOLATION OF 15 USC 1681EB EACH AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CONSUMER PROFILE. 

I HAVE PLEADED FOR A 1099C FORM FROM THIS CREDITOR AND HAVE BEEN DENIED THIS DOCUMENT, IN ATTEMPT TO CLAIM THIS ON MY TAXES.

PER IRS, ONCE THE ACCOUNT HAS BEEN CLOSED AS A PROFIT/LOSS, THE CREDITOR MUST ISSUE A 1099C FORM AND THE DEBT IS NOW CONSIDERED TAXABLE INCOME. REPORTING INCOME AS DEBT IS ANOTHER VIOLATION. 

I AM EXHAUSTED WITH RESOLVING THIS MATTER WITH THE REPORTING AGENCIES ( XXXX, XXXX, AND TRANSUNION ) I AM NOW SEEKING LEGAL ACTION AND MONETARY COMPENSATION AGAINST EACH REPORTING AGENCY FOR VIOLATING MY CONSUMER RIGHTS AND REPORTING INACCURATE INFORMATION. I AM SEEKING {$1000.00} PER VIOLATION FOR VIOLATING 15 USC 1681

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 2024-05-07 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: PA

Complaint narrative:
FCRA 605B, I think, necessitates the removal of any erroneous accounts from my credit report. Can you check the documents? Some of the accounts listed inaccurately report amounts and dates.

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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have always ensured that payments on this account are made on time and are never overdue. However, I am unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CO

Complaint narrative:
My mother in law purchased a {$200.00} Vanilla Visa gift card for us for XXXX. We have attempted to use this card at various online locations, and each time is denied. It's denied for any dollar amount. We were advised to try in-store and we have tried several times as well. It was also suggested we purchase a money order at USPS for the exact amount but that did not work either. In total, I have attempted to spend this gift at over 20 online merchants and it's ALWAYS denied - because no zip code can be attached. I have also reset the debit number more than 10x as it's been tried in over 20 physical stores, in both credit and debit formats without success. I have spent more than 10 hours trying to access these funds. It's now XXXX and the funds are still not useable. HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
Place collections on my credit report. I have no knowledge of this debt nor have i sign any contract with debtors. I have filed a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION
State: AL

Complaint narrative:
Well the Company did not seek to help in my situation in any way there motive was to get the property to foreclose so that I would lose the fight I didn't see any help even with a hud counselor so I didn't have a chance either way but to file XXXX XXXX bankruptcy to fight back they are not concern about the consumer it's about getting you out and gain more profits using 3rd party people to do their dirty work

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
The vehicle was turn in on XX/XX/year> in which it had a {$0.00} balance I have all proofs and also I letter from Mercedes. This company keeps on sending me balance and calling me.

Company response to consumer: Closed with explanation