vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Department of Education reporting inaccurately on my credit report which they didn't have my consent also all the information on all three reports have different information like addresses and phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Department of Education reporting inaccurately on my credit report which they didn't have my consent also all the information on all three reports have different information like addresses and phone numbers.

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 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I applied for a Capital One credit card to rebuild my credit as it helps with rebuilding credit. I have applied several times and I have been denied multiple times citing a previous account that was compromised due to identity theft. Capital One didn't take the identity theft claim seriously and refused to investigate my claim. I believe that I am being discriminated based on my XXXX, my identity being stolen and race since I am XXXX. I believe that the identity fraud that hit my account and myself being held liable is because of my race, XXXX and nationality.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
According to Nelnet, which is currently my student loan servicer, I have no student loan payment due at the moment. But last month, my credit dropped from XXXX points because Nelnet reported late payments and increased balance. I called them to make sure, and they confirmed with me that my student loans are on deferment and my balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
The web portal for Mr. cooper powered by service mac is not working and has not been for a long while. They list no contact number, the only option for support is chat. When progressing through a chat to get to a real representative, the chat has an error and closes. 

I can not reach them to make a payment or to ensure my taxes and insurance are being properly paid via escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a debt collection notice from Midland Credit Management XXXX XXXXXX/XX/2023. 

I called MCM XXXX XXXXXX/XX/2023. Spoke to XXXX and he would not let me speak while he kept interrupting me. I then asked to speak to a supervisor. XXXX kept being rude and I said this an alleged debt and I would like to dispute the claim. XXXX said there was no supervisor to speak to. I said please let me know when I could call back to talk to the supervisor? XXXX then said " I will make a note that you ae refusing to pay '' then proceeded to hang up on me. I did record the entire call. 

I then sent a certified validation letter on XX/XX/2023. 

XXXX XXXX XXXX XXXX XXXX I have not received a response to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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 am writing to delete the following information from my credit report. The information that I demand to be deleted is attached with this affidavit. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not make the charge. I demand that the items be deleted to correct my consumer credit report. I reported this theft to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XXXXXXXX XXXXf 2016, I went through a bad divorce and was forced to file XXXX, which was also discharged in XXXXr XXXX  2016. XXXX years AFTER my XXXX was discharged, Citi extended me a XXXX XXXX with a {$8000.00} limit. The bill has never been late, over limit, or had a retuned payment. Yet when I ask to increase my credit limit, I am auto declined because of the 2016 XXXX, which makes no sense as there was no problem giving me a credit card with that on my credit. I have called in several times and been escalated yet nothing has been resolved, no one has called me back as promised. One Manager even said for all the trouble they were crediting my cash back {$50.00} as an inconvenience, yet that also has not happed. My XXXXXXXX XXXX XXXX are complexly inline for credit underwriting considerations, nothing on my credit has been late or any finances issues since that XXXX in 2016. This is a violation of Reg B as I have asked multiple times to have a human underwrite my requests since a computer can not seem to make an exception.

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 monetary relief
Consumer complaint received 2023-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not give consent or authorize or benefit from any of the unauthorize inquiries on 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 2023-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
XX/XX/2023 capital one card, account was opened under my name. I called the company, they stated there wasn't anything could find u ser my name or ss, address nothing. The amount was opened for XXXX credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To whom it XXXX concern, This account listed below is a complete VIOLATION of the NO SURPRISES ACT, DELETE the listed accounts below IMMEDIATELY from my credit reports. 

XXXX XXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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: PA

Complaint narrative:
I am writing to delete the following information from my credit report. The information that I demand to be deleted is attached with this affidavit. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not make the charge. I demand that the items be deleted to correct my consumer credit report. I reported this theft to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible.

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information was breach with XXXX old addresses I ask to been remove and names late payments and debt Collections Hard InquiriesXXXX 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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was breach with Equifax old addresses I ask to been remove and names late payments and debt Collections Hard Inquiries.XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was breach with XXXX old addresses I ask to been remove and names late payments and debt Collections Hard InquiriesXXXX 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 2023-12-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: LA

Complaint narrative:
On XXXX the XXXX 2023 XXXX XXXX my boyfriend 's sister stole my card she stole {$10.00}, XXXX off my card I was trying to get the card to put me my money back they will not do anything they sent me a letter today that said that there concluded that there was fraud but there was no error so they will not give me my money back what do I do this was my life savings for me and my son I am going through XXXX XXXX I've been XXXX since I was XXXX XXXX XXXX that was all I had to my name I trusted the XXXX to have my money safe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: GA

Complaint narrative:
XXXX XXXX XXXX  XXXX, Date Opened XX/XX/2023. XXXX, Account XXXX, Date Opened XX/XX/2023. I have included attachments and laws to show how these accounts are violating the law. Please review laws and attachments of the errors. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
****I DEMAND THE PROCESS AND PROOF OF YOUR INVESTIGATION****

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 2023-12-23 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: CA

Complaint narrative:
I have unauthorized inquires on my report that I did not consent to or benefit from. I do not recognize any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
SPS agents have posted my monthly payments incorrectly, hurting my credit score. My score went down XXXX points on XX/XX/XXXX due to SPS reporting my account as being XXXX  days late. I have never been late on my principal and interest payments with SPS. 

I'm afraid I have to disagree with the monthly estimated escrow assessment performed in XX/XX/2023. Also, I'm afraid I have to disagree with the calculations provided when I dispute the estimate. My real estate taxes are only {$550.00} every XXXX months. My experience with SPS has been horrible since my mortgage was sold to you in XX/XX/2023. My mortgage is getting sold again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: OH

Complaint narrative:
I am filing a complaint because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in XXXX XXXX compliance ) to provide to me, the consumer alleged, even a single or XXXX tangible shred of evidence from any much less any of these data furnisher ( XXXX ) of your absolute maximum compliant reporting ( XXXX ). I have indeed made known my concerns of the data providers and you continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed .I have never received any substantiating verification of irrefutable full truth, accuracy, completeness, timeliness, ownership, responsibility, and compliance to any and all federal obligations and even the XXXX XXXX compliance XXXX from anyone even if and when I forwarded written request of information to VALIDATE the account information that your firm reported as miraculously verified, yet without any such proof of this alleged affirmation of facts. I feel it is best to release your reporting this disputed information at once I will have no choice but commence the unpleasantness of a Sections 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have XXXX days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, XXXX XXXX XXXX, or else whether mentioned or not ) claims or aspects of claims associated. Please delete the following accounts : 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 2023-12-23 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: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX To whom it may concern, This account listed below is a complete VIOLATION of the NO SURPRISES ACT, DELETE the listed accounts below IMMEDIATELY from my credit reports. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX both of and all of my Capital one cards where hit with fraud I am up to date on all my charges and I owe capital one nothing. Then XX/XX/2023 came and I tried very hard to get my phone number changed with my account with XXXX XXXX separate times through their live chat for XXXX individuals. All XXXX times using their link to send my drivers license it is not clear they received this or not. This is a security measure they use to change information in a person 's account. Now I have requested a alternative to a mandated phone call as a reasonable accommodation XXXX separate times since XX/XX/2023, so I can equally use their services yes I am XXXX. Capital one does not care to realize their are other types of XXXX that one who is XXXX XXXXXXXX, they insisted they are following XXXX laws by telling me to use XXXX XXXX XXXX In which my XXXX prevent me from using a phone period! I don't know this stuff and do not care to know this XXXX stuff. I recieve paperless bills but Capital one refuses to change my phone number since XXXX of 2023 so that I could pay the only debt I owe with Capital one and this is my annual fee for my XXXX  XXXX card. I did report this in the beginning with the CFPB and because nothing was resolved I suffered damages and grief from this. MY CREDIT SCORE MY PERFECT CREDIT SCORE WAS TARNISHED! Capital one reported delinquency for something that is their fault not mine. I need that credit so I could apply for a home repair loan to fix emergency major repairs to my house! Yeah thanks Capital one. When Capital one decided my XXXX are not covered under the XXXX they made a very very big mistake! I want all negative marks erased! I want Capital one to get over their head trip of security nonsense and change my XXXX phone number in my this is my # now XXXX XXXX XXXX XXXX but if you call I will not answer. Capital one requires a valid phone # just to get and keep a Capital one credit card. I want Capital one to waive their fees they put on this - my not being able to get into my account and pay my annual fee for my XXXX XXXX card. And I want Capital one to send me my new credit cards for my XXXX XXXX XXXX XXXX cards. They have canceled out my cards I have and nearly XXXX months later I have yet to get my new cards. That caused caous when both cards got hit this whole experience with capital one has caused grief and real damage. If the CFPB chooses not too resolve this until this is completely resolved I will be forced to file with XXXX rights of XXXX XXXX  for violations to the XXXX and XXXX XXXX. Hud is already aware with this situation XXXX XXXX XXXX XXXX hud enforcement XXXX. CFPB your partially responsible for this continuing and causing harm

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint.The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I just opened a new credit card to build my credit back up and I seen that there was an account made prior with my name and SSI number. Putting me into debt and having my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian placed a fraud alert on my account without my permission. Experian refuses to remove the fraud alert. This is blocking my use of credit cards. Experian refuses to provide me with a credit report. When calling Experian, they continually hang up on me, even though i am polite.

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