vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-16 00:00:00
Product: Credit card or prepaid 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:
Case Number : XXXX Filed a dispute with Capital One regarding the merchant XXXX XXXX sending me SPOILED perishable items which were damaged and unusable. Capital One made me jump through several hoops to provide evidence which clearly establishes I tried to resolve issue prior to filing a dispute. 

Capital One received several documents via USPS Certified Mail, including an email directly from the merchant, stating the merchant XXXX XXXX would provide me a full refund. This alone should be a slam-dunk case. 

I have an email from the merchant promising a full refund! This letter was not good enough for Capital One. They insist I provide additional documentation showing I made the spoiled items available to the merchant for return. The merchant already agreed to provide a full refund. 

I have a letter directly from the merchant stating they would offer a full refund, which was never granted. 

Capital One is not acting in good faith to honor the consumer protection laws established by the CFPB and the dispute process. I would like my account credited in the amount of {$110.00} Why would any merchant want their spoiled products returned to them? The merchant already agreed to provide full refund, and the merchant never asked for their spoiled products returned. The merchant never honored their promise. 

I requested Capital One to escalate my case to arbitration, and they refused. I provided all documents requested. I spent hours of my time gathering emails and documentation, only to be told Capital One wants additional proof I offered to return the spoiled items. 

Meanwhile, the only thing the merchant had to provide was proof of payment, shipping, and tracking number. None of this was ever disputed. All the items arrived spoiled, yet I have no remedy from the dispute process. 

The burden of proof is on the merchant, not the consumer, to establish their items were delivered undamaged. I would like a credit to my account int he amount of {$110.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
is showing information that doesn't belong to me. I was contacted by a debt collector previously. I informed them that I had no outstanding balance with the company, but they convinced I did. I did not think about the call until last months when I obtained an annual credit report. I believe that I am a victim of ID fraud. I noticed several accounts that I did not initiate. A very scary situation. I want to remove all fraudulent accounts immediately. I need to have all unauthorized activity stopped now. I have since hired a monitoring service to help me recover from this unthinkable situation. Thank you in advance for your assistance. Accounts affected by XXXX Credit Card opened by thief : Company : XXXX XXXX XXXX Account Number : XXXX Balance : {$990.00} Company : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : {$65.00} COMPANY : XXXX XXXX ACCOUNT NUMBERXXXX Company : XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$990.00}

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All three of my Dept of EducationXXXX accounts are older than 7 years old from the date of the negative item. I have disputed this with all three credit bureaus but they have not deleted the closed account. The 3 accounts need to be deleted asap because they have aged out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The below information I have found on my credit profile to be incorrect in reporting to all 3 credit bureaus I filled a Identity theft affidavit I could not add them all but they are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name Selfinc/Lend Account # XXXX Loan # XXXX ) has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions.

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

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, 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: CT

Complaint narrative:
I contacted the Bureaus because their accounts was suppose to be deleted from my credit report over a year ago. When i spoke with them they were very rude and threatening court and Jail time. They violated my constitutional rights.

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I contacted the Bureaus because their accounts was suppose to be deleted from my credit report over a year ago. When i spoke with them they were very rude and threatening court and Jail time. They violated my constitutional rights.

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXX XXXX account on all three of my Credit reports needs to be removed it has been 7 years and it was supposed to have aged off. I have brought to the attention of all three credit agencies and nothing has been done.

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 2023-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV funding is resurgent collection. I have the two e-mails still to prove they closed my two collection accounts and canceled my two payment arrangements. I went to XXXX website but it takes me straight to resurgent capital services. They have no right to continue to report every month to my credit file if they have closed them. XXXX is lying in their responses just to continue to harass me and wrongfully report these two collection accounts. They still deny it even though I have sent proof. Just more XXXX of course they are going to deny harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Company closed my account due to returned payment when I was In the hospital due to XXXX  I had my wife making payments on my account and she was using my old account number I spoke to an agent name XXXXXXXX XXXX XXXXXXXX I ask to speak to his supervisor he was very nasty about the situation and told me he was declining my request I will have my loyalty following up with a law suit for discrimination if this issue isnt handled

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Subject : Follow-Up on Complaint # XXXX Dear XXXX XXXX XXXX I hope this letter finds you well. I am writing to follow up on my Consumer Financial Protection Bureau complaint # XXXX, which was submitted on [ Date of Initial Complaint ]. As of today 's date, it has been over 60 days since I filed the complaint, and I regret to inform you that I have not received a response from Equifax regarding the credit inquiries that are adversely affecting my day-to-day life. 

I have previously lodged multiple complaints with Equifax concerning these credit inquiries, and yet, there has been no response or action taken to address this matter. The fraudulent nature of these inquiries is evident, as I do not recognize them and have not authorized any such activities on my credit profile. I have provided detailed explanations and documentation in my previous complaints, highlighting the urgency and seriousness of this issue. 

It is disheartening to find that my pleas for resolution have fallen on deaf ears, and the lack of action from Equifax has only exacerbated the negative impact on my financial well-being. This situation is causing immense distress and hindering my ability to access essential financial services. I have been diligently working towards resolving this matter, but without cooperation from Equifax, it remains an uphill battle. 

I am once again requesting your intervention to urgently address this matter and ensure that Equifax initiates the necessary steps to rectify the fraudulent credit inquiries on my credit report. It is crucial that these inaccurate entries are removed or corrected promptly to restore the accuracy of my credit history. 

I believe in the purpose of the Consumer Financial Protection Bureau to safeguard consumers ' rights, and I am relying on your expertise and authority to help me find a resolution in this troubling situation. I am eager to put this matter behind me and move forward with confidence in my financial affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The XXXX XXXX account on all three of my Credit reports needs to be removed it has been 7 years and it was supposed to have aged off. I have brought to the attention of all three credit agencies and nothing has been done.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The XXXX XXXX account on all three of my Credit reports needs to be removed it has been 7 years and it was supposed to have aged off. I have brought to the attention of all three credit agencies and nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, 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: CT

Complaint narrative:
I contacted the company numerous times and I haven't gotten any response. They are violating my right. I never had any services from this company. 

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I contacted the company numerous times and I haven't gotten any response. They are violating my right. I never had any services from this company.

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer reporting agency is violating the FCRA and FDCPA in the reporting of inaccurate, invalidated, paid or wrongful debt. Consumer notified consumer reporting agency previously of error and they responded stating debt is valid and/or accurate. Consumer reporting agency is in violation of my FCRA states I have a right to privacy. The reporting agency is violating my Privacy with sharing inaccurate and deceptive information without consumer consent. 15 USC 1681a Exclusions states a consumer report CAN NOT contain transaction or experiences between person reporting and consumer.15 USC 1681b Permissible Purposes, consumer reporting agency may furnish report only by written instructions of consumer. 15 USC 1681e consumer reporting agency isn't in compliance with accurate reporting. 15 USC 1666b may not treat a payment late for any reason.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2023, I submitted a credit dispute regarding account XXXX to all three Credit Bureaus. However, the results I received indicated that the account had been charged off as bad debt. This contradicts the previous information on my credit report, which stated that the debt had been included in my bankruptcy and should have been removed. The Credit Bureaus inaccurately updated the information to reflect the account as charged off as bad debt on my new report. 

Furthermore, Equifax indicated that the account was charged off in my bankruptcy but still showed on-time payments. I have not received proper verification or documentation from the Credit Bureaus to substantiate their findings in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681 standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was struggling to make payments, but I was making them. One month all of a sudden I call to make payment over the phone and I was told they could not take payments, that I had to apply for a modification.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hello to whom it may concern, I heard about this website from a friend that had some issues with a collection company in the past and I wanted to reach out to you all because this company has been reporting an old sprint bill on my credit report for the past few years. I had gotten them removed MULTIPLE times and they are persistent in coming back onto my report! 

Firstly, they have no right to sell my information or purchase it without my consent and this is a completely different company that is collecting this SUPPOSED bill that I definitely do not owe! They need to show some proof of anything and they have not and they continuously keep reporting on my profile. If this does not change I plan on pursuing legal help in the following few months because it is really impacting my credit! 

Please reach out to them and let them know I want this removed permanently or there will be a lawsuit pending because this is ridiculous. Thank you. Below is the account number attached to my profile. Please remove. 

SPINT ACCT # : 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 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I have transferred money into my Venmo account now four times and the money is being held for no reason. I have attempted to resolve via chat and to no avail. I have paid fees to have it " instantly transferred '' and Venmo is holding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, 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: MN

Complaint narrative:
I am writing to address an issue regarding my credit report. It has come to my attention that a number of creditors have accessed my credit report without my permission, or without my knowledge of your company being involved. According to the Fair Credit Reporting Act, creditors have an obligation to provide me with a notice before accessing my credit report or making a decision based on it. 

I would like to emphasize that I did not authorize these companies to access my credit report, and I never given permission for these creditors to be on my credit report or access my credit information. As a result, I kindly request that you remove any information regarding these companies from my credit report immediately. 

I understand that under the Fair Credit Reporting Act, derogatory information can remain on my credit report for up to seven years. However, in this case, since your company accessed my credit report without my consent or knowledge, I believe it is unjust to have this information on my report. 

I expect prompt action on your part to rectify this situation. Please provide me with written confirmation once the unauthorized information has been removed from my credit report. Additionally, I would appreciate a detailed explanation as to how this unauthorized access occurred and steps taken to prevent such incidents in the future. 


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 non-monetary relief