vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-05-24 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 


3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 


5. there is some inaccurate information reporting.

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 


11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it 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 non-monetary relief
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called the credit reporting agencies and let them know that the account from XXXX XXXX they're reporting is inaccurate and it shouldn't be there. I have proof that the account is not mine and it has to be deleted from my credit report. Below is a letter that shows what I'm writing is true. I have been trying to resolve this matter since 2021.

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 2023-05-24 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 — Investigation took more than 30 days
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
IN XX/XX/2022 I MADE A PAYMENT ONLINE & ON THE BANKS PORTAL IT SHOWED " PAID '' THEN PAYMENT GOT RETURNED & REPRESENTATIVE TOLD ME I SHOULDNT DO ANYTHING BECASUE THEY WILL REPROCESS... IN THE MEANTIME IT SHOWED ONLINE THAT MY PAYMENT FOR XXXX WAS PAID. THEY NEVER REPROCCESED THE PAYMENT & WHEN I REALZIED ON XX/XX/XXXX I CALLED THEM & THEY SAID TOO BAD WE WILL REPORT AS 30 DAYS LATE I IMMEDIATLY MADE THE PAYMENT & HAVE BEEN IN GOOD STANDING SINCE. I NEVER MISSED ANY PAYMENT TO ANY CREDITOR IN XXXX  YEARS. THIS SITUATION RUINED MY CREDIT SCORE & I FEEL HELPLESS. THEY ALSO LIED TO ME ON THE PHONE ABOUT THE ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have purchased a XXXX XXXX XXXX from Us auto sales due to my last automobile breaking down on me I have had this vehicle for almost 2 years in XXXX of XXXX my monthly payment is XXXX per month after logging into my account I see that my interest rate is 17 % the price for the vehicle is {$20000.00} after making payments for almost 2 years my balance is {$17000.00} even though I have paid almost {$9000.00} after going to the XXXX dealership and getting my vehicle value quoted this vehicle is only worth {$4000.00} and before hand was only worth about $ XXXX {$8000.00} when I got it I feel like Im being robbed and screwed with no gasoline could someone help get me out of this bad car deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I am a bankruptcy attorney who represents a client name XXXX XXXX who is currently in a XXXX  XXXX case in the District of Maryland. She fell behind on her mortgage and sought a loan modification in XX/XX/2023. I sent US Bank authorization in XX/XX/2023 to mail all loan modification paperwork directly to XXXX XXXX through several emails to XXXX and also through correspondence with their XXXX XXXX XXXX who filed a proof of claim on the bankruptcy case. 

I do not represent XXXX XXXX in her Loan Modification efforts. I directed US Bank to mail all documentation, including time sensitive loan modification documents to XXXX XXXX as I was indefinitely away from my office and would not be able to forward hard copy mail. They continued to hard copy mail her documents to my office even though I explained I would not be there to receive it and that all time sensitive ( return within 14 days ) needed to go directly to the home borrower. US Bank refused to send loan paperwork to XXXX XXXX even though they have written authorization from me to send all paperwork directly to XXXX XXXX, especially because I was not in my office due to family issues and wouldn't be able to forward hard copy mail. 

All time sensitive paperwork must go directly to the home borrower. Despite all of my communications and emails they hard copied time sensitive mail to my office in XXXX where I am not at currently and specifically stated they did not care that I wasn't there and could not get her the packet. They still refused to mail her loan documents directly even though I gave written authorization and instruction for them to mail loan modification paperwork directly to the home borrower.

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 2023-05-24 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: FL

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter regarding an unfair credit report entry associated with my account with XXXX, specifically the XXXX XXXX XXXX. 

Around XX/XX/, I discovered a 30-day late payment reported on my account. This took me by surprise as I have always been conscientious about making timely payments for all my financial obligations. Upon inquiring with XXXX, I learned that the late payment was attributed to an annual fee that had been added to my account. Unfortunately, I had not been alerted to this fee, nor had XXXX sent any communication regarding this forthcoming charge. 

I am deeply concerned about this situation for two main reasons : Firstly, the lack of communication on the part of XXXX resulted in an unexpected charge, leading to an unintentional late payment. Secondly, this erroneous report has adversely impacted my credit score, which could potentially affect my ability to secure credit in the future. Please note that my previous payment history with XXXX, as well as other financial institutions, has been flawless. This incident is not indicative of my financial responsibility and commitment. 

Despite my attempts to rectify this issue directly with XXXX, an acceptable resolution has yet to be reached. Consequently, I am reaching out to the Consumer Financial Protection Bureau for assistance in this matter. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. Given that the late payment resulted from insufficient communication from the lender, I assert that the report is inaccurate. Therefore, I am formally requesting an investigation into this matter and the subsequent removal of the 30-day late payment from my credit report. 

I have enclosed with this letter pertinent documentation supporting my claim, which includes records of communication with XXXX and a copy of my credit report highlighting the disputed late payment. 

The Consumer Financial Protection Bureau carries the significant responsibility of ensuring fair financial practices, and I appreciate any assistance you can provide in resolving this issue. I am confident in your agency 's commitment to protecting consumers like myself from such misunderstandings and unintentional errors. 

Thank you for your time and consideration. I look forward to your prompt response and am hopeful for a swift and fair resolution to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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:
Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter regarding an unfair credit report entry associated with my account with XXXX, specifically the XXXX XXXX XXXX. 

Around XX/XX/, I discovered a 30-day late payment reported on my account. This took me by surprise as I have always been conscientious about making timely payments for all my financial obligations. Upon inquiring with XXXX, I learned that the late payment was attributed to an annual fee that had been added to my account. Unfortunately, I had not been alerted to this fee, nor had XXXX sent any communication regarding this forthcoming charge. 

I am deeply concerned about this situation for two main reasons : Firstly, the lack of communication on the part of XXXX resulted in an unexpected charge, leading to an unintentional late payment. Secondly, this erroneous report has adversely impacted my credit score, which could potentially affect my ability to secure credit in the future. Please note that my previous payment history with XXXX, as well as other financial institutions, has been flawless. This incident is not indicative of my financial responsibility and commitment. 

Despite my attempts to rectify this issue directly with XXXX, an acceptable resolution has yet to be reached. Consequently, I am reaching out to the Consumer Financial Protection Bureau for assistance in this matter. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. Given that the late payment resulted from insufficient communication from the lender, I assert that the report is inaccurate. Therefore, I am formally requesting an investigation into this matter and the subsequent removal of the 30-day late payment from my credit report. 

I have enclosed with this letter pertinent documentation supporting my claim, which includes records of communication with XXXX and a copy of my credit report highlighting the disputed late payment. 

The Consumer Financial Protection Bureau carries the significant responsibility of ensuring fair financial practices, and I appreciate any assistance you can provide in resolving this issue. I am confident in your agency 's commitment to protecting consumers like myself from such misunderstandings and unintentional errors. 

Thank you for your time and consideration. I look forward to your prompt response and am hopeful for a swift and fair resolution to this matter. 

Sincerely,

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 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Capital One regarding the handling of my recent credit card application. I believe that my experience exemplifies a concerning issue with their application process, which has resulted in significant frustration and negative consequences for my financial standing. 

Case Details : Applicant Name : XXXX XXXX Case Number : XXXX Capital One Representative : XXXX XXXX Background : On XXXX XXXX, I submitted an application for a Capital One credit card, providing all necessary documents, including my driver 's license. I had to fax multiple times. However, I was informed by XXXX that my license documents could not be successfully scanned at the DMV website, despite multiple fax submissions. This experience has been extremely disappointing and has left me deeply dissatisfied with Capital One 's procedures and customer service. 

Issues : Inadequate Document Processing : The inability of Capital One 's system to accurately scan and process license documents is a significant flaw in their application process. This has led to unnecessary delays, additional burdens on applicants, and potential negative consequences, such as expiring credit pulls. 

Lack of Alternative Document Options : When I suggested providing alternative identification documents, such as a green card, I was met with a lack of viable options and solutions. This limited approach demonstrates a lack of flexibility and a failure to address diverse customer circumstances. 

Absence of Secure Document Submission Methods : It is concerning that Capital One, as a prominent financial institution in 2023, continues to rely heavily on fax submissions. The absence of secure document upload or email options not only raises privacy concerns but also contributes to inefficient communication and prolonged application processing times. 

Resolution Requested : Prompt Application Review : I urge the Consumer Financial Protection Bureau to ensure that my application is reviewed promptly and fairly, without undue delays or bias. 

System Improvements : Capital One should invest in enhancing their application process to address the issues I have raised. This includes implementing reliable document scanning technology, exploring alternative document options, and establishing secure digital submission methods to ensure efficiency, customer convenience, and data security. 

Fair Treatment : I request that Capital One treat all applicants consistently and ensure that credit pulls are not negatively impacted due to deficiencies in their application process. Rejection or negative outcomes should not be solely attributed to applicants when flaws in the system exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
In XXXX had {$100.00} usd taken from my account without knowledge or consent by Cash App to fix an error that they created on their end from a transaction that I had already paid. They claim technical error but they never notified me, said my balance was negative ect. They waited until money was added and swiped it saying they were taking it for a transaction I had paid in XXXX. I have spent weeks asking them to fix it and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc.
State: OR

Complaint narrative:
XXXX XXXX was the victim of identity theft and enlisted XXXX to resolve his ID Theft. I started working his case on XX/XX/XXXX. I sent out an initial dispute to Upstart on XX/XX/XXXX that included all the necessary documents under the FCRA to confirm the account as fraudulent including ID Theft affidavit, police report, copy of ID, SSN card, proof of address, power of attorney allowing Upstart to speak with me regarding the fraud, and a cover letter requesting the loan be confirmed as fraudulent and removed from all credit reports and records. I spoke with XXXX from Upstart on XX/XX/XXXX who stated they needed a copy of the police report to confirm the fraud. I mailed all documents including a copy of the police report to Upstart again on XX/XX/XXXX. I spoke with a supervisor XXXX with Upstart so said they would put in a request to call me back regarding the fraud. I never heard back from Upstart. I mailed a new dispute to Upstart on XX/XX/XXXX and XX/XX/XXXX. I have not been able to speak with anyone regarding the fraud as now Upstart is claiming they can't do anything without speaking to XXXX even though I advised them that they have the power of attorney allowing them to speak with me as well as their company has already spoken to me regarding the fraud on multiple occasions. I advised I would be filing a CFPB complaint to have the loan confirmed as fraud and removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
IN XX/XX/2022 I MADE A PAYMENT ONLINE & ON THE BANKS PORTAL IT SHOWED " PAID '' THEN PAYMENT GOT RETURNED & REPRESENTATIVE TOLD ME I SHOULDNT DO ANYTHING BECASUE THEY WILL REPROCESS... IN THE MEANTIME IT SHOWED ONLINE THAT MY PAYMENT FOR XXXX WAS PAID. THEY NEVER REPROCCESED THE PAYMENT & WHEN I REALZIED ON XX/XX/XXXX I CALLED THEM & THEY SAID TOO BAD WE WILL REPORT AS 30 DAYS LATE I IMMEDIATLY MADE THE PAYMENT & HAVE BEEN IN GOOD STANDING SINCE. I NEVER MISSED ANY PAYMENT TO ANY CREDITOR IN 20 YEARS. THIS SITUATION RUINED MY CREDIT SCORE & I FEEL HELPLESS. THEY ALSO LIED TO ME ON THE PHONE ABOUT THE 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 2023-05-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
IN XX/XX/2022 I MADE A PAYMENT ONLINE & ON THE BANKS PORTAL IT SHOWED " PAID '' THEN PAYMENT GOT RETURNED & REPRESENTATIVE TOLD ME I SHOULDNT DO ANYTHING BECASUE THEY WILL REPROCESS... IN THE MEANTIME IT SHOWED ONLINE THAT MY PAYMENT FOR XXXX WAS PAID. THEY NEVER REPROCCESED THE PAYMENT & WHEN I REALZIED ON XX/XX/XXXX I CALLED THEM & THEY SAID TOO BAD WE WILL REPORT AS 30 DAYS LATE I IMMEDIATLY MADE THE PAYMENT & HAVE BEEN IN GOOD STANDING SINCE. I NEVER MISSED ANY PAYMENT TO ANY CREDITOR IN 20 YEARS. THIS SITUATION RUINED MY CREDIT SCORE & I FEEL HELPLESS. THEY ALSO LIED TO ME ON THE PHONE ABOUT THE ISSUE.

Company response to consumer: Closed with explanation