vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 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: NY

Complaint narrative:
As I had reported to your office in bank in XXXX, as a consumer, I was a victim of predatory lending by XXXX XXXX of XXXX, NY ( car dealership ) and XXXX XXXX XXXX XXXX XXXXXXXX. These two entities played in concert to inflate my income to justify the debt-to-income ratio in getting me into a used XXXX XXXX XXXX that I could not afford and had no business getting into. All the proof is in writing so no way for anyone to dispute what I provided as my income and what XXXXXXXX XXXX shows as my income. Over XXXX off in what I make per year to what they are showing. XXXX XXXX ( the dealership ) is now pointing its finger at XXXXXXXX XXXX to blame and the bank is blaming the dealership. While Im stuck as the victim of a fraudulent debt and XXXXXXXX XXXX destroying my credit at free will each month. 

Long story short, as I am immensely struggling to make the above car payment living on XXXX and on Social Security benefits, my attorney and the bank 's attorney ( as you can see attached correspondence dated XX/XX/XXXX ) came to a settlement that affective XX/XX/XXXX by monthly payments would decrease to {$450.00} per month ( still very high but will try my best to pay ) and my credit report will be cleaned and no longer show delinquencies. As you can imagine, XXXXXXXX XXXX has been pummeling my credit each month. In return to the above amicable settlement, I was to no longer complain or talk about the scheme that I was a victim of between XXXX XXXX and XXXXXXXX XXXX. 

Today, XX/XX/XXXX, as I was preparing to make the above {$450.00} payment to XXXX XXXX for the XX/XX/XXXX auto loan payment, I got the attached " delinquent '' alert from XXXX? Seriously? Claiming that I was delinquent in a payment again and now owe the bank the amount of {$1900.00}? I immediately called XXXX XXXXXXXX XXXX XXXX XXXXXXXX this morning and spoke to a XXXX XXXX and he said " unfortunately will we continue to hit your credit as delinquent as there is nothing we can do about it. Agreement or no agreement. '' Nothing short of disturbing the scheme, scam and bullying that I've been subjected to as an innocent consumer. They are trying to shake me down in any way possible. Either pay the bad loan we tricked you into or we will continue to destroy your credit. Agreement or no agreement. 

What makes matters worse is that I'm trying to co-sign on a loan for my daughter and XXXXXXXX XXXX XXXX XXXXXXXX has destroyed my credit to the tune of over 140 points per bureau to force me to pay for their predatory lending scheme.

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 2023-03-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2023 I've noticed an error on my consumer credit report that was harming my personal report and causing stress to my financial life. Account # :XXXX, Circuit Court Reference # XXXX reporting on Transunion is inaccurate and falsely reporting information hurting my credit report. I am distressed that Transunion has included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports. 

Account # :XXXX is in violation of 15 U.S. Code 1681i ( c ). Statement of dispute required by CRA after 30 days following a reinvestigation. Also FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms Circuit Court Reference # XXXX is also in violation FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g. No account balance is owed but TransUnion continues to violate my consumer rights by reporting false inaccurate and illegal accounts on my consumer report that violates my consumer rights of 100 % accuracy on my credit report.

These accounts are also in violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the 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 non-monetary relief
Consumer complaint received 2023-03-30 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: SC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc.
State: FL

Complaint narrative:
Good morning, Since XXXX I have been in communication with my mortgage as well as with the XXXX XXXX XXXX XXXX XXXX  ) department about the status of my payments. Since XX/XX/XXXX I was approved for the XXXX XXXX XXXX for XXXX future payments. The months of XXXX to XXXX with a little delay but were applied to my account with no issues. Since XXXX no XXXX  payment has been applied and when I contact XXXX  they tell me that they send the checks every month. They also told me that they send checks in large amounts since several accounts are included to be paid. I have contacted almost every day since XXXX ( almost XXXX  months ) loss mitigation, and they tell me that XXXX is having issue with the process of applying the payments also that the only things they can do is an escalation to the department that deals with applying payments as well as send a email to the XXXX department for more details. But unfortunately to this day I have only received the same response. 

XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX, XXXX PM XXXX RE : XXXX Please be advised I have forwarded the borrower 's payment concerns to the business unit for review. I will follow up shortly to provide a status update. 

Have a great day. 


XXXX XXXX Thank youXXXX XXXX XXXX This is always the same. How in XXXX  months no one can get a solution and resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
It is the responsibility of TRANSUNION pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, But they are NOT. TRANSUNION is reporting Multiple fraudulent inquires on my account and after repeated calls and letters they have refused to remove them. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are fraudulent inquiries that were taken Without my consent of any kind. I have contacted transunion by phone 3 times immediately following the latest fraudulent inquiry and was told to contact the creditors, which I did and was told they could not send a deletion letter for these since they were applied for with all of my information! Even when I explained I did not apply, someone else did with my information, they still refused to remove. I contacted TRANSUNION again and spoke to 3 managers by the names of XXXX XXXX, XXXX XXXX, XXXX XXXX. Who all told me they were unable to remove the inquiries without a deletion letter from the creditors. This is false as XXXX and XXXX removed these fraudulet inquiries immediately upon notice that they were fraudulent.

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these inquiries resulting in TRANSUNION violating my federally protected consumer rights. Most Importantly, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate inquiries on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Even after explaining to the TRANSUNION supervisors listed above 15 US Code 1681g, which states as the consumer I have the right to request how these inquiries were validated. They ignored this and continued to tell me it was MY responsibility to provide proof it wasn't me!

It is my right as the consumer to demand these fraudulent inquiries be removed 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 2023-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The company LVNV FUNDING ALSO KNOW AS Resurgent Capital Services has been calling multiple times consistently. I requested a contract or a agreement signed by all parties involved and they were not able to provide. but continue to call. I've ask for it to be removed. under federal regulation they should not be harassing me with multiple calls or threats. the amount on my report {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
I used a benefit on my debit card for XXXX XXXX or Satisfaction Guarantee. XXXX XXXX XXXX XXXX instructed me to send in the " salvage item '' in order to complete my claim. I sent them the salvage ( watch straps ) on XX/XX/2023. I also sent XXXX proof of delivery. Since then, XXXX has not acknowledged receipt of the watch straps and continuously sends me reminders to send it in. I have sent them proof of delivery to the address they specified numerous times. I also called their customer support and provided all requested documentation and was assured the issue would be escalated and resolved. That has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
I have submitted the request previously. Ally Financial was the loan company that financed the truck I purchased back in XXXX. I was very ill during the purchase and basically had no recollection of the purchase. I brought the truck back to the dealership because I could not afford what they had financed me for. Apparently they financed me for almost {$70000.00}. The sticker price of the truck was only {$56000.00}. They paid off my XXXX XXXX for {$13000.00} and tacked that onto my loan, financed me at 17.9 % and didn't give me any money for the XXXX. They in turn sold it for almost {$21000.00}. I would never agree to this kind of financing and do not know how I could get it being on XXXX. I am now reporting Ally Financial as they have given me a poor credit rating.

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 2023-03-30 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: LA

Complaint narrative:
Hi, I have been trying to dispute incorrect reporting on my credit report for over two years. I have contacted XXXX via certified mail on XX/XX/XXXX and all three of the credit bureaus on XX/XX/XXXX. I reached out to Experian to exercise my right to a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. I reached out to Experian, XXXX and XXXX over three time the last time via certified mail dated XX/XX/XXXX. I enclosed in the letter a copy of my credit report and the variance in the reporting across all three credit bureaus chase XXXX is reporting to. I asked Experian, XXXX and XXXX to verify with XXXX the accuracy of their reporting and to asked them to validate that I am indeed responsible for XXXX Account # XXXX through a signed contract and with proof of a wet signature or signed written agreement. The credit bureau failed me and did not conduct a proper investigation. XXXX responded to my dispute with a copy of statement but no a copy of an agreement of a settlement or a signed agreement with my signature of the credit card account. This information did not validate anything! I have experience damage from the inaccurate reporting since XXXX. I have been denied credit amongst the biggest denial was for a student loan. I received a response from XXXX, Experian and XXXX stating that they account was validated. A proper investigation was not performed according to the Fair Credit Reporting Act. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( XXXX  ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( XXXX  ) from the appropriate Federal banking agency.

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 2023-03-30 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear CFPB Representative, I am writing to you in regards to a dispute I have had with Capital One regarding a fraudulent online course purchase that I made on XX/XX/2023, using my Capital One credit card. I am hoping that you can assist me in resolving this matter. 

The online course was purchased for {$1500.00}, but it turned out to be a scam. I immediately contacted the merchant and requested a refund, but they did not respond. I then filed a dispute request with Capital One and provided plenty of evidence to support my claim, including the fact that the online course access was removed from me even though I paid for it. 

Despite my efforts, Capital One has denied my dispute and closed the case, stating that I need to contact the merchant directly to resolve the issue. I have already tried to contact the merchant and have not received any response. 

I believe that Capital One is not fulfilling its obligation to protect its customers from fraudulent merchants. I am seeking your assistance to resolve this matter and to ensure that I am not held responsible for this fraudulent charge. 

I would appreciate your prompt attention to this matter and look forward to your response. Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson Cruz & Associates LLC
State: OH

Complaint narrative:
I was alerted by the credit bureau that this account was turned over to collections. I had no knowledge of it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
All ( 3 ) credit bureaus have been reporting inaccurate information when reporting. I tried to apply for several rental properties and was denied because the credit bureaus was reporting to company, that they could not verify who I was, I had no credit history, or had fraud alerts on my account. I believe that they had a fraud alert on my report for well over 7 yrs, and just now founding out about it in XXXX. I was not the one to put the alert on there. I would get letters stating that my information my have been obtained by hackers and the bureaus were monitoring. When applying for apartment rentals, I would submit necessary identification, and would get denied based off not enough credit history. XXXX score is over XXXX. They would deny it when I would contact them, even I would see copy of the report from the company stating other wise. This would also happen when applying for credit cards so I can try and build my credit, which would cause me to get denied as well. They have me listed as high risk. Their reporting bills that are paid off listed as unsatisfactory, old bills from over 10 yrs ago, are still being reported. I have also disputed accounts, and requested to have them removed, and that has been over 60 days and have not happened yet. I have my bank linked to my bill payments and they have not been updating my credit score even with that, especially experian. I dont know why they are reporting that I have no credit score when I do. See attached documents. I have a bunch of hard inquiries on my report, and I place the blame solely on the credit bureaus due to the negligence.

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 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital One held me responsible for a check passed with a fraudulent indorsement. I used Capital One 's bill-pay feature to pay for my child 's monthly XXXX tuition. Every previous check sent in this manner was deposited with the school 's deposit stamp in the indorsement box on the back of the check, and this particular check was cashed with a personal signature. I verified the school never received the payment, and then I contacted Capital One requesting a refund. They denied the claim explaining they " didn't find any errors with the payment. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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

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 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Great American Finance Co
State: OH

Complaint narrative:
This account was opened online fraudulent and was abused

Company response to consumer: Closed with explanation