vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX. has violated my civil rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: GA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-04-03 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 conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
So in reviewing my loan with Wells Fargo, after paying on this debt for 5 years, I see this was a Consumer Credit transaction in which I never received cash in hand. I was charged a XXXX XXXX charge, total sale was over XXXX more than the amount of the vehicle which was XXXX ending Total sale XXXX. Why Am I still paying this debt. After viewing the 15USC 1692F -G a couple of Consumer laws have been violated here. Please review this account for its validity in consumer violation laws being broken. Thank You

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 2024-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Legal Inquiry Regarding Erroneous Auto Loan Charges by Capital One I have an auto loan with Capital One. However, on XXXX XXXXXXXX, I received a notification from my credit report monitoring app indicating that my auto loan was labeled as " charged off '' with a XXXX XXXX XXXX I contacted Capital One, and they informed me that my account is 72 days past due, due to a storage fee incurred in XX/XX/2023 by a wrecking service or towing company based in Indiana. The issue is, my vehicle has never been impounded, towed, repossessed, sold, etc, and more importantly neither I or my vehicle have ever been to Indiana. I'm deeply concerned about this discrepancy. Additionally, my XXXX XXXX dropped by about XXXX points, and I fear my vehicle will be wrongfully repossessed. Moreover, I am troubled by how Capital One sent vehicle contract copies about my account to XXXX XXXX XXXX XXXX in Indiana and paid them around {$1800.00} without ever consulting me or notifying me. I have contacted Capital One and after 6 hours on the phone, they were not able to resolve anything, and they said they will give me a call back on Friday. Friday came and someone just told me they are still working on it, and that they would reach out to me on Monday or Tuesday. Today is Wednesday, and I am currently on hold for over an hour as they have not resolved this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My problem started when I disputed a transaction with XXXX because I had not received a product from a Paypal Pay in XXXX plan. XXXX disputed the transactions and I had ultimately resolved the problem with the seller after receiving the product. 

In an effort to return the funds to Paypal, I withdrew the disputes from XXXX. Paypal then received funds for {$61.00}, and {$61.00} x XXXX from the reversed and withdrawn disputed charges. Paypal is claiming that they never received the funds. Ultimately, to avoid going to collections, I paid the total " missing '' balance off with another credit card for {$180.00}. Meaning that I have paid for Paypal 's pay in 4 plan twice ( XXXX x XXXX ) with both my XXXX XXXX and XXXX credit card. 

I have been contacting both XXXX and Paypal in an effort to retrieve those lost funds and both merchants are blaming each other saying that the other 's bank has it and vice versa. Paypal 's team recently told me to submit activity statements to XXXX to show proof of the payment failure but on their statements it is evident that they did receive the funds from both XXXX and XXXX. Meaning that they are refusing to credit my account. It is entirely confusing as to why Paypal would have received the funds for the initial charge and not the others, considering I had withdrawn all four disputes in a similar manner. Neither party is willing to help with any further recourse or provide solutions. So, I am out of {$180.00} that I did not have to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have been dealing ID theft and I have made a police report ( XX/XX/XXXX ) put a fraud alert on my credit file in XX/XX/XXXX, I had been in contact with XXXX due to fraud on the account, my address, phone number, and emails kept getting changed. we placed a password on the account ( XX/XX/XXXX ) so I would have to call up the fraud department, tell them my passcode, they unlock my card, et them I could make a purchase. In XXXX of XXXX, I noticed I hadnt received my new credit card so I called the XXXX credit card department and asked why I hadnt received my new card. Everything again in my account had been changed. At this time the man allowed me to change everything on my account without asking for my passcode. When I asked him why he hadnt asked for it, he told me that everything was verified through the phone prior to me talking to him. I informed him that I was dealing XXXX ID theft and the passcode was because they had everything to verify online, he then sent me to the fraud department because more charges were on my account. I ordered another card and again never received it. I called back up to XXXX and once again my information was changed. The lady again never asked for my passcode until I mentioned it to her. We once again changed everything to my correct information. The next thing I know Im being told that I owe {$5500.00} on my account. Ive filed several complaints with them with fraud et they decided it wasnt fraud. When I called them again, once again my information was changed to somewhere else. I got notified by XXXX XX/XX/XXXX that they sent it to a collection agency. I called the collection agency et they informed me of why XXXX said it was fraud. I guess in late XXXX, a guy was placed on my XXXX  account as an authorized user. This was verified by an email that i said it was ok and a card had been sent to him. I was unaware of any of this information until just recently. I never authorized anyone an user on my account, nor got statements of this, nor did XXXX  make me aware of it. They refuse to take it off my credit. I did everything I was told to do by XXXX fraud department to stop someone from getting into my account. Due to XXXX employees negligence of not asking my passcode, someone was able to get into my account and run my card up. I am suffering from the consequences of it. XXXX should have all phone recordings to verify that I called several times and the recordings of the other person. I guarantee you they are not the same person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
TransUnion is reporting a certificate of indebtedness that is reporting as income. The IRS has accepted this as reported income and 1099C cancellation of debt by XXXX XXXXXXXX XXXX account number XXXX was received on XXXX XXXX. Transunion is inaccurate reporting income to my consumer report. I have attached my Driver 's license and utilities bill as personal identifying information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This was settled in 2022, through XXXX XXXX XXXX. However, almost two years later, PORTFOLIO RECOVERY ASSOCIATES, L.L.C, a different debt collection agency, has erroneously attempted to collect the same debt. Their actions have negatively impacted my credit by falsely reporting the already resolved debt, resulting in a drop in my credit worthiness, score, loan denials, and higher interest rates. Despite informing them in advance that the debt was paid, they persisted in their collection efforts. I am now seeking compensation for the damages caused by their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: LendKey Technologies, Inc.
State: MD

Complaint narrative:
I graduated from XXXX 2015. My repayment to pay my federal school loan bill was close to {$800.00}. I knew I couldnt afford it so I went to my credit union at department of interior credit union and asked if they could assist me to lower my payments on my federal school loan. unbeknownst to me when XXXX took over my loan the whole time I thought it was still a federal school loan. It was not. They change the specs to a state loan I wouldve never asked for that and that information shouldve have been provided to me. Now XXXX spending {$510.00} a month at the interest rate of 6.54 % which is extremely high. XXXX was contacted to see if I could refinance with them after they told me that it was a state loan. I was not aware of that all the years I have been paying. I contacted the department of interior credit union. They told me you shouldve known that that was gon na be turned into a state law and I said no I did not know it would be changed and no one told me about It.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

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 2024-04-03 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: GA

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/2024 I was notified by XXXX, XXXX and XXXX that a collection account was added to my credit report. I never received any communication from JEFFERSON CAPITAL SYST about a debt being owed for the amount of {$2300.00}. I was only notified by the credit bureaus when it showed up as a collection on my credit report. This company is listed as a debt buyer and they are in violation of notifying me of my right to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: AL

Complaint narrative:
I have been sending dispute a verification and also validation letters for the past 3 years for my XXXX XXXX  account and the entire time I keep receiving a bill nothing else. All three bureaus have been reporting late payments on my credit cards that I disputed that also came back as verified. They are in violation of the FCRA and metro2 compliance and reporting guidelines. The reporting of excluded information pursuant 15 USC ( A ) ( D ) ( 2 ) ( A ) ( I ) to a consumer report is a clear violation of Metro2 compliance. 

A clear violation of 15 USC 1681 and that states The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to in such a short amount of time. 

Clearly they didnt investigate and this has been detrimental to my credit. 

The most recent tracking numbers are 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 2024-04-03 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: AL

Complaint narrative:
I have been sending dispute a verification and also validation letters for the past 3 years for my XXXX XXXX account and the entire time I keep receiving a bill nothing else. All three bureaus have been reporting late payments on my credit cards that I disputed that also came back as verified. They are in violation of the FCRA and metro2 compliance and reporting guidelines. The reporting of excluded information pursuant 15 USC ( A ) ( D ) ( 2 ) ( A ) ( I ) to a consumer report is a clear violation of Metro2 compliance. 

A clear violation of 15 USC 1681 and that states The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to in such a short amount of time. 

Clearly they didnt investigate and this has been detrimental to my credit. 

The most recent tracking numbers are XXXX XXXX XXXX EquifaxXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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