vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FC HoldCo LLC
State: OH

Complaint narrative:
Flagship credit acceptance LLC, is not reporting to the credit bureau. They also have opened another account in my name without my permission. They closed out my original account and my loan is going up not down no matter how much I pay. I owe more on the car than the lease contract says. They always adding late fees every month even when I am on time. They do not provide you with accurate information. The reps are very rude and disrespectful. They disconnect calls when youre asking for a manager or information. They are not concerned with your concerns just money. They have not reported to the credit bureau since XXXX of XXXX. I purchased the car in XXXX of XXXX. I was told by a rep I didnt get my car until XXXX. I had to call multiple times to get the contract sent to me. This company is horrible and I cant even trade the car in. My credit is showing one account open and another closed. Flagship has changed my loan amount. I did not sign a new contract nor did I give permission. They have committed fraud and will not let me out of this contract. Multiple people are having the same issues with them. They only put XXXX towards my principle and the rest to interest. I pay XXXX monthly with a high interest rate. They do not provide you with information about your account. I was told they have two accounts because they switched systems. Again I didnt sign anything

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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: NC

Complaint narrative:
Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Subject : Notice of Dispute - CAP ONE AUTO XXXX To Whom it may concern, I am writing to express my profound dissatisfaction and apprehension regarding the handling of the reporting concerning the account CAP ONE AUTO XXXX on my credit report. Upon careful examination, it has come to my attention that there are egregious violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. Consequently, I am demanding immediate action to address and rectify these issues. 

Specifically, I hereby formally request a thorough debt validation, encompassing the following details : Original Contract : Furnish a comprehensive copy of the original contract between the purported creditor and myself pertaining to the account CAP ONE AUTO XXXX. 

Original Creditor : Clearly disclose the name and contact details of the original creditor linked to this account. 

Original Open Date : Provide the precise date on which the account CAP ONE AUTO XXXX was initially established. 

Date of Last Payment : Specify the exact date of the most recent payment made in connection to this account. 

Date Account Was Closed : Indicate the date on which the account CAP ONE AUTO XXXX was officially closed. 

I am fully cognizant of my rights under the FCRA, and it is evident that XXXX has failed in its duty to ensure the accuracy and validity of the information it reports. I insist upon a prompt response and resolution to this matter. 

Failure to comply with this request within [ 15 days ] from the date of this correspondence will leave me with no recourse but to pursue legal action to uphold my rights under the FCRA. Please regard this as formal notice of my intention to take such action. 

I anticipate a timely response, accompanied by the requested documentation, to be transmitted through the CFPB portal. Furthermore, please ensure that any amendments made to my credit report are promptly reflected.

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax will not remove XXXX charge offs accounts from XXXXXXXX XXXX ending in XXXX and XXXX on my account that are over XXXX XXXX XXXX! 

XXXX removed them a month ago after successfully disputing and XXXX automatically removed them in XXXX. 

My credit score with Equifax is about XXXX points lower than with the other reputable credit bureaus XXXX and XXXX at XXXX and XXXX respectively. 

XXXX bank keeps reporting new charge offs on XXXX accounts that were first reported late in XX/XX/2017. They changed the date to XX/XX/2017 on the reports, however that still makes these accounts over XXXX XXXX XXXX. 

I do not want to be forced to take legal action! 

Attached is a screenshot of the same charge offs that were removed by XXXX on XX/XX/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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

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 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: MO

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have reason to believe that XXXX XXXXXXXX refused to drop my name from their books and continued to charge loans in my name. I enrolled in the in the school and quickly found out that their accreditation were questionable, so I dropped the classes. Years later, I notice that all of those classes were charged in 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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
Unfreeze my credit report

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: DISCOVER BANK
State: IL

Complaint narrative:
Subject : Notice of Dispute - DISCOVER - XXXX To Whom it may concern, I am reaching out to express my profound dissatisfaction and concern regarding the handling of the reporting of the account DISCOVER - XXXX on my credit report. It has come to my attention that there are multiple clear breaches of the Fair Credit Reporting Act ( FCRA ) associated with this account, and I am requesting immediate action to address this issue. 

I am formally demanding a comprehensive debt validation, which necessitates the provision of the following details : Original Contract : Furnish a complete copy of the original contract between the purported creditor and myself pertaining to the account DISCOVER - XXXX. 
Original Creditor : Clearly disclose the name and contact information of the original creditor linked to this account. 
Original Open Date : Specify the precise date on which the account DISCOVER - XXXX was initially established. 
Date of Last Payment : Provide the exact date of the last payment made in connection with this account. 
Date Account Was Closed : Indicate the date on which the account DISCOVER - XXXX was formally closed. 
I am fully aware of my rights under the FCRA, and it is evident that there has been a failure on the part of XXXX to fulfill its obligations in ensuring the accuracy and validity of the information it reports. I am insisting on a swift response and resolution to this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. Please consider this as a formal notice of my intention to take such action. 

I anticipate a timely response, along with the requested documentation, to be transmitted through the CFPB portal. Additionally, I request that any corrections made to my credit report are promptly reflected.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2024 my Chase Freedom credit card ending in XXXX was charged twice, one for the amount of {$2500.00} and another for the amount of {$2500.00} both to a bicycle shop named XXXX XXXX XXXX. Chase claims they sent a text, however upon searching for a text from Chase on XX/XX/XXXX, there was none found. However Chase did send an email with the headline Fraud Alert " Confirm you made this purchase '' I pushed the button that says " No, something's wrong '' Soon after, chase cancelled the credit card ending in XXXX and issued me a new credit card ending in XXXX and the charges were reversed. On XX/XX/2024 the two initial fraudulent charges were charged again but this time to my new credit card ending in XXXX. Speaking with Chase 's fraud department, they claim that upon further investigation the charges made on XX/XX/2024 were mine based on the user supplying the correct email address, physical address, and name. They also said that I responded to their fraud alert email 27 minutes after the email was sent out, which in their eyes was too late. Regardless of how long I took to respond, the transaction should not have been allowed until a response was received. I disputed the charges again, however this time, they asked for my IP address and asked me to call XXXX XXXX XXXX to have them send documentation saying that they were aware that the transaction was fraudulent. I sent Chase my IP address and cc 'd chase fraud 's email with Me and the owner of the bicycle shop, where XXXX the owner admitted of knowing the transaction was fraudulent once I called their shop and explained the situation. Upon receiving their requests, they still deem these transactions as valid and that I'm still responsible for the two transactions totaling in {$5100.00}. What is the point of fraud alerts if Chase isn't going to wait for a reply before approving the purchase? I feel that because Chase gets merchant fees from transactions, they allow these transactions to take place. They're basically looking out for their best interest. Had Chase done it's job and disallowed both of the purchases based on my email response, then there would be no problem and their probably wouldn't be a need for a fraud department. Chase should only allow high value purchases once the card owner is validated and he/she authorizes the purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My account increased there escrow reserve for two months. I wanted to get out of the escrow after they increased it. I paid {$9000.00} to meet the loan to value ratio of 80 % of less. My mortgage was paid current for 12 months as required ( actually Ive always been current with this loan ). I paid {$2900.00} to cover the escrow shortage needed before XXXX These three actions were the legal requirements to close the escrow. I met the those requirements, but the company says private investors wont allow the removal. So now I have to pay an extra 2 months escrow and they wont allow me to close my escrow as promised and Im out of over {$9000.00} to pay down my loan to value ( which I was told by an agent that I needed to pay down my principle to get my loan to value ratio at 80 % to qualify for the removal. 

I have never been late in mortgage or escrow and I dont think I should be penalized because SPS investors are having trouble collecting escrow from other consumers with paying 2 months reserve. Prior to this reserve, I was already paying everything on time even my escrow shortage without any issue. If I meet the legal required terms they set forth in writing on their website ; I feel my escrow should be remove as legally promised in writing. Is this discrimination? Please investigate how they justify allowing my escrow to stay on my account. Please investigate if other XXXX XXXX or XXXX XXXX are allowed to remove their escrows when they submit their request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
Please see attached document. I was seeking an in school deferment waiver for loans taken out from XXXX which had already entered repayment. I submitted the form that was sent with my last complaint and Mohela failed to address the time frame. I am attaching the initial complaint and response.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief