vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. I submitted a dispute before to your company regarding XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.

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 2023-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
After successfully paying off my vehicle loan, I received an email and all the necessary documents from the company confirming that the loan was paid in full. They even sent me a congratulatory letter and closed the account. Additionally, I obtained the ownership title from the DMV, officially recognizing me as the owner of the vehicle. However, unexpectedly, the account was reopened, even though my bank statement clearly shows that the loan has been paid. This situation is negatively impacting my credit score, so it is crucial to have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-08 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: CA

Complaint narrative:
When the company offered me the credit card, they never mentioned that their commissions for credit opening as well as for the use of the Plastic ( credit card ) would be immediately upon receipt of the card and not annually as most credit companies handle it, so When I received the first account statement, I noticed these improper charges because they were never notified to me initially, so I contacted the company to request the cancellation of the card and I told them that I was only going to pay them in that moment the amount that I had used which in that moment was only {$400.00} on the card and they told me that this was not possible and that even if I canceled the card I have to pay the amount used as well as the charges issued by his company, I asked to speak with a supervisor and got the same answer, I have To point out that communication was always very difficult because all the people I spoke to on the phone seemed to be of XXXX origin and their XXXX was not very fluent. I don't know if their call center is in the United States or in another country.

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 2023-06-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a loan, XXXX Dollars at XXXX Percent for 30 years but the Chase Representative changed the loan without my consent. They converted that loan to two separate loans, one for XXXX and XXXX almost equally almost XXXX dollars in payment, which was unaffordable for me and that was not the agreement. I applied for loan modifications and completed those payments but I was denied and foreclosed while I was doing those payments. The loan XXXX admitted they were going to fix, I have that in writing but never did. My dad complained almost everyday to make those payments. By working he is permanently XXXX and XXXX XXXX  by falling off a telephone pole working as a telephone technician. He has proof of the injury while trying to cover payments of this fraudulent mortgage transactions. There was threats of the debt collector of the Bank Representative. Theres a lot going on and there is a lot to be seen in this case. Then they told me to wait 3 months to behind in order for them to help us because she had some sort of mortgage XXXX. 

Thats not the loan I applied for they invented these XXXX loans. And XXXX is now the XXXX Collector and Now with an account thats not mine. In 2010 they foreclosure while doing the payments and bankruptcy protection and In 2010 I filed for notice of Recission under the 3 year window of Statues of Limitations because of XXXX, then debt XXXX came to my house and threaten us to pay them or they would kick us out without any foreclosure done. 

In these Emails, XXXX XXXX, offered me another job to make those payments when I already had XXXX. 
Now Ive received a notice of default that I did receive in the mail but a Notice Of Substitution of Trustee that never came from the Recorder Office or even general notice. It didnt come in the mail but we found it in the Assessors XXXX and Evidence of XXXX Loans they made on the same day. 

I also complained of the appraisal fraud because property was in bad condition. 

XXXX XXXX heard about my problem and called my dad telling him not to worry about this situation that he will fix it and when he would get out of XXXX the issue would be resolved. He forwarded it to the main office, they called me but they didnt solve it. XXXX recorded it and has this information. 

Now a XXXX called XXXX XXXX XXXX, representing XXXX is ready to foreclose on the house and trustee sell. 

Please help my dad because all his civil rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I need my address updated. I have asked Experian, XXXX, and XXXX to delete these ASAP. I only live at XXXX XXXX, XXXX, MI XXXX. I have lived at this address more than 2 years. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 

Incorrect names : XXXX, XXXX, XXXX XXXX, XXXX Incorrect addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect employment information : 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 2023-06-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XXXX XXXX I received an alert from credit karma stating that my XXXX XXXXXXXX account had been deleting from reporting, today I received another alert that it had been reinserted into my equifax credit file in which I have not been informed 5 days prior to reinserting 15 USC 1691i ( B ) requirements relating to reinsertion of previously deleted material. My consumer protected rights have been violated on multiple occasions and I do not understand why. Please discharge this account information from your books as it is prohibited to share transaction history 15 USC 1681b ( 2 ) ( I ) exclusions in reporting containing information solely as to transactions or experiences between the consumer and the person making the report. This company has not not provided an official affidavit of debt, proof of ownership also known as the chain of custody, nor the full accounting records public and private in accordance to GAAP ( General accepted accounting principles ). In order for a contract to be enforceable provide the key elements of a contract law including full disclosure with XXXX XXXX equal consideration, lawful terms and conditions along with the signature of both parties, please be advised an authorized representative does not make the contract enforceable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had a Wells Fargo checking and savings account since XX/XX/2000, I've had numerous times my account was low on money and had to pay {$35.00} for the bank to transfer from my savings account. I haven't received money for the class action Sute going on right now, I called the bank they stated that I have to wait for them to process the payment, my daughter received over {$500.00} from Wells Fargo over six weeks ago for the same issue.

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 2023-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: HI

Complaint narrative:
During the middle of XXXX and all through till today XXXX I have been trying to get an additional loan or refinance my loan with one main but they keep denying me and I have been making all my payments and they have also been charging me extra Many Many times I paid two or three times for the monthly payment for just One month and I tell them and they deny it when even my bank tells me it went through. And now theyre telling Me I owe the {$1900.00} still but I only owe them {$1400.00} left, it even says that on my credit report. They also havent let me use Any of my Add-ons that were supposedly added to my loan. They tell Me j can not use the insurance that I paid for to help me make a payment because I didnt get paid in time. They laugh while Im talking to them. They tell Me they can help me get refinancing and or an additional loan and to give them my social security number and do the hard pull and tell me sorry we cant then they laugh and tell me to try again next month. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: TX

Complaint narrative:
Personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 

Incorrect names : XXXX, XXXX, XXXX XXXX, XXXX Incorrect addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect employment information : 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 2023-06-08 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: TX

Complaint narrative:
Personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 

Incorrect names : XXXX, XXXX, XXXX XXXX, XXXX Incorrect addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect employment information : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CreditNinja Lending, LLC
State: NM

Complaint narrative:
Interst rates so high can not seem to pay down the loan and it is Interfering with financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have a case with consumer affairs and we got a agreement to settlement agreement and release I signed in front of a attorney and they send me the check but till now since XX/XX/2023 I havent received my title and XXXX XXXX there saying Im behind payments and that the check that they send me was canceled but I cash it in XX/XX/2023 thats impossible I try to talk to them and have a supervisor to call me till now after 5 months havent received any answers only that I own XXXX $ and my car is ready to towed

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 2023-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: NM

Complaint narrative:
Interest is approximately 400 % these payments are affecting our homes financial well being. Falling behind on car and mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
Re : Intent to Sue under 15 USC 1681n and Non-compliance with 15 USC 1681i I write to you with a heavy heart and intense frustration due to the recent findings surrounding my account. I am writing this formal letter to notify you of my intent to initiate legal action against Total Visa for the violation of my consumer rights under 15 USC 1681n and 15 USC 1681i. Despite my diligent attempts to resolve these issues directly with your company, my efforts have been met with disregard and neglect. I find myself left with no other option but to seek legal counsel and involve the XXXX State Attorney General due to the continuous violations of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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:
I am a victim of an identity theft, someone stole my information and opened a fraudulent account under my name. I have tried to fix this issue with the bureaus, I have tried to fix this issue directly with XXXX XXXX but no one seems to care. I have gone to the police and to the federal trade commission. At this point I am loosing my mind because i don't know who else to go to to get this fraudulent account from my credit report. Someone stole my information and opened this fraudulent account under my name.

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 2023-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have made several attempts to the actual party involved XXXX which could not help me because they no longer have my information actively i. their system. There has been an third party part taker whom, has bought this aledged account. Their contact information that they provided to Experian are false! Not accurate. How can you dispute or rebuttal any false information or charges on a fluke phone number. The number provided is an PROMOTIONAL NUMBER. I have written Experian in writing with this concern and I have been basically ignored. And they're keeping this account that does not have any chance of resolution do to false contact information on the third party whom has bought the XXXX account. XXXX themselves can not resolve this. ONLy by the information that Experian has put forth and it's not a contact. I'm sure they have not even TRIED the number themselves to actually see that it is in fact an promotional number. How? Can you leave an UNRESOLVED DEBT ON SOMENES CREDIT. It's not right. Thank you- so much to whoever, sees this please help me I'm trying to do better!! And there is an XXXX XXXX  account that I paid more than half and they refuse after being paid to take it OFF my account. Them saying they did not agree to is not true unless, in writing. I will be writing you all for that, too God bless and Thank you, again. Please help me.

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 2023-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: TN

Complaint narrative:
CKS prime investments , llc XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.

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