vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Timely payments have always been a priority for me on this account, preventing any instances of overdue payments. Yet, I'm perplexed by the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, it's imperative to correct such errors.

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 2024-03-12 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: NV

Complaint narrative:
I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested. I do not have a contract with XXXX XXXX XXXXXXXX. They did provide me with the original contract as I requested. I do not have a contract with NCA.The did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: NV

Complaint narrative:
I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested. I do not have a contract with XXXX XXXX  XXXX. They did provide me with the original contract as I requested. I do not have a contract with NCA.The did not provide me with the original contract as I requested.

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 2024-03-12 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: NV

Complaint narrative:
Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments. 
XXXX XXXX XXXX  Account Number : 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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
re : Barclay 's Case Number : XXXX I was recently the victim of a scam that purported to offer me employment. The scam involved a job interview, a presentation of benefits, an employment offer letter, a W4 submission, and ( importantly ) a request to purchase my equipment for this new C-level role. 

I complied with the requests and, on XX/XX/24, approved a transaction of {$7200.00} via XXXX to cover some of the equipment my new company would be providing ( a new XXXX, XXXX, XXXX XXXX, and XXXX ). I even completed a reimbursement request form ( also enclosed ) for this purchase. 

Despite a shipping invoice to prove my purchase ( also enclosed ) I NEVER received either the equipment or the reimbursement promised. 

After some further communication with the scammers, I realized that a scam was taking place and immediately ceased communication.

But this was not until after I had 1 ) resigned from my job and 2 ) submitted large transactions for the purchase of equipment.

Following the advice of the FTC, I submitted a dispute for the charge incurred on XX/XX/24. After summarizing the issue TWICE to Barclay 's phone representatives, I received a denial of the dispute letter.

I called the phone number in the letter to request a callback from a manager, who informed me there was nothing the dispute team could do as the purchase was via a payment processor. Nor ( more importantly ) could they direct me to anyone who could provide any support.

So not only was I a victim of a crime, but now Barclay 's is demanding I pay back the money stolen with accrued interest.

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 2024-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX LAST XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX Wells Fargo Dealer XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Subject : Opt-Out Request under 15 U.S.C. 6802 Dear WELLS FARGO DEALER SVCS, I am writing to formally request that WELLS FARGO DEALER SVCS cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as outlined under 15 U.S.C. 6802.

As a consumer, I am well aware of my rights to privacy and the protection of my personal information under federal law. According to the provisions outlined in 15 U.S.C. 6802, financial institutions are required to adhere to strict guidelines regarding the disclosure of nonpublic personal information to third parties.

Upon review of my records, I have become aware that WELLS FARGO DEALER SVCS has been sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies without my explicit consent. This action is in direct violation of the regulations set forth in 15 U.S.C. 6802 and is unacceptable.

I hereby demand that WELLS FARGO DEALER SVCS immediately cease and desist from any further sharing or disclosure of my nonpublic personal information to non-affiliated third parties and consumer reporting agencies. Furthermore, I request confirmation in writing that such actions have ceased, along with the assurance that my personal information will be handled in accordance with federal law moving forward. 

Failure to comply with this request will leave me no choice but to pursue legal action to ensure the protection of my rights and the safeguarding of my personal information. 
Thank you for your prompt attention to this matter. I expect a response within XXXX  days of the receipt of this letter. 

Sincerely, 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 2024-03-12 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXX XXXX XXXX XXXX  XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2024-03-12 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
I wrote Lexis Nexis on XX/XX//2023 to formally complain about the inaccurate bankruptcy reporting on my credit report, which they are maintaining. Despite providing evidence of inaccuracies that do not align with the information available on PACER ( Public Access to Court Electronic Records ) In a letter sent on XX/XX/ 2023, they stated their information was verified with Pacer, the reported bankruptcy remains on my records. 

I want to bring to your attention the following discrepancies that I outlined for them : Incorrect Information : The details of the reported bankruptcy do not align with the accurate information available on PACER. This has resulted in an unjust impact on my credit score and overall financial reputation. 

Documentation : I attached the relevant documentation from PACER, clearly indicating the inaccuracies in the reported bankruptcy. It is imperative that LexisNexis reviews this documentation and rectifies the information accordingly. 

I kindly request that LexisNexis promptly investigates and rectifies this matter. I have a right to accurate and fair reporting of my credit information, and the inaccuracies must be addressed promptly and on time. 

Enclosed, please find copies of the relevant documentation supporting my claim. I trust that LexisNexis will thoroughly review this evidence and take the necessary steps to correct the inaccuracies on my credit report. 

I appreciate your prompt attention to this matter and expect a resolution within [ a reasonable timeframe, e.g., 30 days ] from the date of this letter. Please confirm in writing once the corrections have been made and provide me with an updated credit report. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted Equifax and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I recently came into financial hardship back in XXXX of 2023 and was having a hard time keeping up with payments. I took it upon myself to try to work with my creditor ( Capital One ) and asked if there was any hardship program options available to catch up in payments. I was offered lower payments for XXXX months in order to catch up without any late fees. However I recently got an alert that my account has been past due XXXX days to the credit bureau all while I have been making the payments to keep my card active and open. I expressed to the company that it was misleading to be on a payment plan and made it seem as though Im making payments towards my credit card minimum but being reported to the credit bureau that Im not making payments at all. I then asked if there was a way to remove the negative remarks and was told that there is no courtesy offer to remove negative remarks made against me although the company mislead me with their payment arrangement. It was then suggested to make the full minimum then be caught up yet still suffer with the negative remarks made on my account with no explanation and accountability of the company. And the worse part of it is that its a business credit card thats being reported on my personal credit which has now been lowered over XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I did not consent, nor benefit from, or authorize any of the following Account : Portfolio Recovery Associates LLC - report furnished by Portfolio Recovery Associates LLC Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to ensure that consumer reporting agencies exercise their gave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC
State: OR

Complaint narrative:
We initiated a bank transfer on XX/XX/24 from our savings account with Flagstar to another checking account so we could write a check for the down payment of a car. We received an email on XX/XX/24 saying the transfer failed. We called and they told us it was because they required XXXX step verification via phone and we did not answer their call. However, we never rec 'd a phone call. We continued to ask for our money, and they changed the story and said that we had a daily limit to transfer only {$2000.00} per day. We asked to see this in writing, and they were not able to provide this. We spoke with another person who said there actually was no limit on the transfer and that they would try the transfer again. The transfer failed a second time. We called and they took the majority of XXXX business day to even get back to us ; at which point we said we just wanted to close our account and move our money to our other bank. They told us they could not do that. They said they had to open a case with a " digital escalation team '' and refused to provide a direct contact number or contact for a manager. They refused to let us close our account or give us our money. As a result of this issue, our check for our down payment for our new car is going to bounce, our credit scores will be impacted, and we will be immediately sent to collections and/or our new car repossessed. We will not have transportation to safely transport our XXXX XXXX XXXX son to daycare so we can work. Our other bank accounts will be impacted when they are overdrawn with the bounced check. We will be greatly impacted by Flagstar Bank refusing to give us our money and let us close our account with them.

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 2024-03-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: PRIORITY PLUS FINANCIAL LLC
State: NM

Complaint narrative:
Hi, XXXX XXXX, received mail stating important information and closed sent by economic relief for affected New Mexico families . 

The check for {$23000.00} require a monthly minimum payment after qualifying with a low interest rate of 5.99 %. 

I called the number at XXXX to get more information and clarification. After speaking with the customer service rep by the name of XXXX, I was told they had my information and needed my permission to do a soft credit pull. 
With my Social Security number using a PIN # XXXX they were able to do a verified search for XXXX lenders and then after a XXXX minute hold told me that I did not qualify? Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: IL

Complaint narrative:
I have been a victim of identity theft and I have sent out multiple letters and reports from the ftc in which I was prompted to provide. These letters and FTC reports were sent out on XX/XX/2024 and I have yet to hear back from XXXX, XXXX, or Equifax. This dispute was not done in error and it is coming from myself XXXX XXXX and not a third party. I need these unauthorized accounts and inquiries removed immediately because they do not belong to me AND I DID NOT GIVE MY CONSENT TO OPEN OR FURNISH THESE ACCOUNTS TO MY CREDIT REPORT. my information was breached in the equifax data breach as well as experian and transunion data breach. It's been well over 30 days and it's now A MUST YOU DELETE AND REMOVE ALL DISPUTED ITEMS IMMEDIATELY!! MY DRIVERS LICENSE IS ON EVERY LETTER AND MY PROOF OF ADDRESS IS ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX I received a letter from XXXX stating there was a fraudulent application from Capital One, XXXX Capital One, XXXX VA XXXX and that the inquiry on my credit report has been removed. I called Capital One at XXXX and spoke to a representative. I informed them of the above information, what the letter entailed and that in accordance with the Fair Credit Reporting Act I would like to obtain all documentation from the fraudulent application. The only application/account they could confirm was from XX/XX/XXXX for a Venture One credit card ( which I never applied for ). They confirmed that the application was reported as fraudulent ; I asked them for all documents under the act for that account. They stated they do not give out information pertaining to fraudulent applications and to contact the credit agencies. Problem is the letter from XXXX states I have to contact the company directly to obtain documents and information. After going around and around about my rights under the act they kept repeating they do not provide information because it is their policy and it was already reported to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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