vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One deleted 10 late payments from my consumer reports that had been reporting inaccurately for 5 months. Pursuant to the FCRA furnishing inaccurate information to consumer reporting agencies is a direct violation of the FCRA. Each violation of the FCRA carries a punishment of {$1000.00} per violation. Capital One has violated my consumer rights 10 times by reporting 10 late payments for 5 months. If Capital One didn't know that they were reporting inaccurately they should have. So therefore, they must be held liable for their actions. ( 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) CAPITAL ONE HAS ADMITTED TO REPORTING INACCURATE INFORMATION AND THEY DELETED THE INACCURATE INFORMATION BUT THEY DID NOT PROVIDE MONETARY RELIEF AS REQUIRED BY THE FCRA. I DESERVE MONETARY RELIEF I HAVE BEEN DENIED CREDIT DUE TO THIS INACCURATE REPORTING. THIS HAS STOPPED ME FROM BEING ABLE TO TAKE CARE OF MY FAMILIES NEEDS. THIS WAS ALSO A DEFAMATION OF MY CHARACTER AS A CONSUMER. CAPITAL ONE IS RESPONSIBLE FOR PROVIDING ME WITH A CHECK FOR TEN VIOLATIONS OF THE FCRA. THIS INACCURATE REPORTING LASTED FOR 5 MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I discoverd on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I'm done with it. And, Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance Owed : {$580.00} ; XXXX  XXXX Balance Owed : {$210.00} ; XXXX  XXXX Balance Owed : {$160.00} ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I discoverd on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I'm done with it. And, Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX Owed : {$580.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: PA

Complaint narrative:
XXXX account below is reporting collection, this is inaccurate and I would like this removed from my credit file according to FCRA Section 623 ( a ) ( 3 ), duty to provide proper notice of dispute.This account status should not be derogatory please change to paid as agreed or remove account. Thank you. 

I have already provide drivers license, correct address and XXXX to Transunion so they have no reason to deny this dispute. 

XXXX TransUnion Account # : XXXX Account Type : Open Account Account Type - Detail : Utility company Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$2300.00} No. of Months ( terms ) : XXXX High Credit : {$0.00} Credit Limit : {$0.00} Past Due : {$2300.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Collection Account Dispute resolved; customer disagrees Date Last Active : XX/XX/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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account number # XXXX Balance {$2600.00} I do not remember opening this account so I ask the creditor to show me the original contract end all the information they have like Payoff disclosure and Interest rate disclosure original contract Credit insurance payment history interest rate disclosure and they can not provide it so I am asking all three credit bureaus to delete this account. And to respect my rights my rights are being violated so I am asking for help.

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account number # XXXX Balance {$2600.00} I do not remember opening this account so I ask the creditor to show me the original contract end all the information they have like Payoff disclosure and Interest rate disclosure original contract Credit insurance payment history interest rate disclosure and they can not provide it so I am asking all three credit bureaus to delete this account. And to respect my rights my rights are being violated so I am asking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: LEXISNEXIS
State: AZ

Complaint narrative:
I have a Civil Judgment on my LexiNexis report. This judgment has been vacated by the court in question 9 months ago. The report still reflects that judgment as active without any notice of it being vacated. I submitted the dispute in XXXX of 2022 and just got a letter stating that all the data is being reported accurately. I checked and nothing was fixed. This mark is ruining my chances at any rental application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I had a loan with loan mart for est. XXXX with my title to car as collateral. The car was involved in accident and ins co said it was totalled and ins Co picked car up from collision shop. Since there was a line on car, I called loan mart and gave them all information with ins Co. My ins company paid loanmart Since they were the lienholders. Loan mart has been paid but reporting XXXX my credit that nothing was paid on this loan and turned a XXXX personal loan into a XXXX. The car only had a XXXX value and it had a clear title when I got the loan. I don't know why they did not subtract what was paid by my ins company and why there is an outstanding balance of XXXX. I attempted several times to clear this up with loan mart and was always put on hold for long periods of time and being passed of to different people and also being told ppl I spoke with no longer worked there so they can't determine what was discussed with ppl.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: NY

Complaint narrative:
I've submitted this complaint several times already about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX 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 2022-07-19 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: IL

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$5300.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/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 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX AND XXXX HAS DELETED BOTH BANKRUPTCIES AND TRANSUNION IS SAYING THE INFORMATION IS VERIFIED, I NOTICED IN THE PAPERWORK YOU NEVER SAID WHO FURINISHED THE INFORMATION PLEASE VERIFY THE FURNISHER AND SEND THE IFORMATION IMEDIATELY TO ME, BECAUSE I NO THE COURTS DIDNT FURNISH THE INFORMATION BECAUSE I HAVE A LETTER FROM THEM.EARLY ON YOU STATED THAT XXXX XXXX THE INFORMATION XXXX  WAS FALSE BECAUSE XXXX A FREEZE ON MY XXXX AND XXXX AND ALL THE OTHER SECONDARY BEAUREAS, SO PLEASE LET ME KNOW WHO FURNISHED THE INFORMATION WITHOUT MY AUTHORIZATION.

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 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/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 2022-07-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX  Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
In XXXX XXXX, I received a call from Wells Fargo claiming that I had an overdue credit card charge for {$77.00} to XXXX XXXX, that had accrued approximately {$80.00} in late fees and interest. I told them I had not received any statement to that effect, and in fact had not received any statement at all from them for many months ( I never use that card except at locations that do not accept my XXXX card, which are very rare ... here once in 9 months ) After checking they told me that the mailing address on my account had been changed for XX/XX/XXXX, to a XXXX XXXX address ( I'm in Hawaii ), and all billing and notifications had been going to that address. I asked them how they could change the account billing address without confirming that change with me, the account owner. They said they couldn't tell me, because they couldn't confirm my identity. Talk about absurd hypocrisy! They could change it for a fraudulent impostor, but couldn't tell the authentic owner how or why. 

That person on the phone said they would wave the fees and interest and send me all the statements since last XXXX when they had started sending the statements to the fraud initiator. 

Two weeks later I had not received those statements, when I got another call from Wells Fargo telling me that I owed the the service charge PLUS the fees and interest. I said the last guy said the fees and interest would be deleted because fraud blah blah blah and he said, okay, we'll send the statements again. A week later i got the statements, mailing date XX/XX/XXXX, three weeks after the first guy said they'd mail them to me. 

Of course, as now expected, this final statement said I owed the {$77.00} dollar charge PLUS INTEREST AND FEES! You can't make this XXXX  up! So I gave up. I'm not paying for costs incurred by them for fraudulently changing the address on the account without my approval. 

Today ( XX/XX/XXXX ) I got another call from Wells Fargo. Same XXXX. I owe them the {$77.00} plus the late fees and interest. Ridiculous. I doubt anyone can straighten this out with these totally incompetent XXXX, but what else can I do? Talking to them makes no difference at all, as they never do what they say they are going to do.

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 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
I was married and my husband bought this house in XXXX. He put everything in his name and I was naive about this. In XX/XX/XXXX I suffered XXXX XXXXXXXX, he was convicted, he asked for a divorce and I was awarded the house in the court settlement, XX/XX/XXXX. The settlement also instructed him to allow me to speak to the financial institution, Freedom Mortgage, about the mortgage. He did not follow this order- although he continued to pay for the mortgage. The settlement further indicated that if he did not follow the order, that the court settlement would serve as approval for me to speak to the mortgage co. ( see divorce settlement attached, Section 1.1. A, B, C ). Unfortunately, my husband, unknown to me, ceased making the mortgage payments. He also had his bills sent to his parents house during and after our marriage so I never saw any bills ( I was naive in all this ). In late XXXX, my in-laws informed me of a letter to my former husband from a law firm. They gave it to me ( he has been out of contact with anyone for several weeks ). This was a foreclosure letter for XX/XX/XXXX. I have tried repeatedly to contact the mortgage company to allow me to see the bill, pay the mortgage and stop the foreclosure. They will not acknowledge the court settlement nor communicate with me out of their greed - because my name is not on the mortgage even though the house was awarded to me. This is life altering for me and my XXXX and XXXX XXXX XXXX. I am desperate and writing everyone and anyone to help. My husband was nefarious and controlling from the start. I was naive. have a XXXX XXXX that has impacted my ability to deal with him well. Freedom Mortgage is taking advantage of me and my family by not even allowing me to bring the mortgage up to date and stop the foreclosure. Please help.

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