vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax has confirmed that they received all of my documentation and my request to have adverse information as a result of XXXX XXXX  deleted from my account well over 4 business days ago. They are claiming to still be processing my request and they dont know how long itll take. According to the laws outlined on the CFPB website, credit reporting agencies MUST block adverse information in regards to XXXX XXXX within 4 business days, even if they are still reviewing documents. They have 25 business days to review their documents. 
I was told by an Equifax rep that there are attorneys in the office of consumer affairs that have advised them that what they are doing is in compliance with the law. I have called multiple times and spoke with multiple people who have told me that the issue would be resolved by the end of the day and this never occurs. Equifax requested additional information from me, of which I provided. I am being told by a representative that once I submitted the requested information, it started my 4 business days all over again. This is NOT in compliance with the laws regarding XXXX XXXX.

This process has caused me to miss an opportunity to obtain housing. I am sleeping outside, and also on the run. I am not safe.

This is willful negligence on Equifaxs behalf and I am ready to take this to the furthest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Attempted to purchase airline tickets in the evening, wake in the morning to a notice of declination based on a fraud alert. Responded to the text that it was not fraud, immediately booked the tickets again, however were {$20.00} more per ticket based on a fare change. This {$80.00} should be paid by Chase as their fraud department had flagged a legitimate charge. 

Significant history of purchasing family airline tickets in the past, no reason this should have been flagged. The mistake of credit card company cost me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers 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 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2022, Capital one received validation request letters by me the consumer under the authority of the Truth In Lending Act and the FDCPA disputing the debt asking for proof of the alleged debt Capital One claims is owed. Capital one failed to provide any evidence of a debt within the 30 days that TILA and FDCPA allows. I am giving Capital one another opportunity to Prove their claim. In the event that this debt is not validated by Capital One as required by the FDCPA they have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. Copies of agreements are not evidence of a debt. Copies of statements are not an authenticated record of accounting or evidence of any debt. I am Asking for real proof such as : 1. the original promissory note, front and back, associated with the alleged Loan.

2. any along, front and back, affixed to the Borrower 's promissory note for endorsements 3. all bookkeeping journal entries associated with the Loan.

4. the deed of trust associated with the Loan. 
XXXX the insurance policy on Borrower 's promissory note associated with the Loan.

6. the Call Reports for the period covering the Loan.

7. the deposit slip for the deposit of the Borrower 's promissory note associated with the Loan.

8. the order authorizing the withdrawal of funds from Borrower 's promissory note deposit account.

9. the account number from which the money came to fund the check given to the Borrower.

10. verification that Borrower 's promissory note was a free gift to the Lender from the Borrower.

11. the name and address of the current holder of the Borrower 's promissory note.

12. the name and address of the Lender 's CPA and Auditor for the period covering the Loan execution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Credit Bureau Name : EXPERIAN Bureau Address : XXXX XXXX XXXX, XXXX, TX XXXX I Need These list of Incorrect/Misspelled Addresses , DOBs, & Names Removed & Deleted off my Report Because they Are Inaccurate! 

INCORRECT ADDRESSES : XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX. ) XXXX XXXX XXXX # XXXX, XXXX, NC, XXXX INCORRECT DOBs : XXXX. ) ( XXXX ) INCORRECT NAMES : XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX Thank you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. THIS ACCOUNT WAS DEEMED FRAUDULENT AND WAS REMOVED FROM CREDIT REPORT IN XX/XX/2022.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/2023 I received an email alert from XXXX saying that I had a hard inquiry from COMENITYCB/ZALES. I filed a dispute with XXXX as this attempt to open a credit card was not me. The only contact information listed for the creditor was XXXX XXXX XXXX XXXX, OH. There was no number listed and with a quick XXXX search of the XXXX XXXX I found the following number, XXXX ( XXXX ) XXXX. I contacted the number only to hung up on by the person on the other end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was held at XXXXXXXX XXXX and my wallet and XXXX was late XX/XX/2023 early XX/XX/2023 and I called capital one to shut my debit card off and they never did. Over XXXX dollars was debited out of my account. Ive opened multiple claims with capital one and they keep denying me. No one is willing to help. I filed a police report and FTC report and a FDIC report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX I placed XXXX # XXXX with XXXX XXXX XXXX XXXX XXXX, and attempted to order 1 black /gray and 2 white t-shirt packs which qualified for free shipping {$9.00}. However, when I received the confirmation email, it only showed 1 pack of each and did not update to the 2 packs of white. So, I was charged the {$9.00} shipping.So, I immediately replied to the confirmation email to cancel the order, as I was going to re-order so the order qualified for free shipping. Then I received an email advising that my reply went to an unmonitored inbox and to use the form. So, I did, with in less then 1 hour of ordering and immediately after being advised of the unmonitored inbox. And again, advised to cancel this order. 

On XX/XX/XXXX I received a reply that its too late to cancel the order. So, I again reply to the form and requested a refund of the shipping {$9.00}. To date I have received no reply. 
On XX/XX/XXXX I submitted a XXXX XXXX XXXX XXXX XXXX XXXX complaint # XXXX, requesting the {$9.00} refund. 

On XX/XX/XXXX, after no reply from XXXX XXXX XXXX XXXX XXXX I disputed the {$9.00} with my XXXX XXXX  credit card ( XXXX ). 

On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX ), XXXX  XXXX XXXX XXXX XXXX  account receivables department, advising that she had received notice from PayPal that I submitted for a chargeback. 

On XX/XX/XXXX, I called XXXX and advised her of XXXX  complaint # XXXX and my request for a {$9.00} refund. XXXX was not aware of my XXXX  complaint # XXXX and was not notified by her customer service department but agreed to refund the shipping {$9.00}. On XX/XX/XXXX I followed up our conversation with an email to XXXX re-capping our discussion and that the {$9.00} would be refunded. 

On XX/XX/XXXX I called XXXX XXXX  and advised that my {$9.00} disputed ( XXXX ) was resolved. 

On XXXX XXXX emailed me advising that she has been unable to refund the {$9.00} because the dispute was still pending with PayPal and that PayPal charged them a {$15.00} bank fee. 

On XXXX I called XXXX XXXX  and was advised that the dispute ( XXXX ) was closed on XX/XX/XXXX the date I initially called XXXX XXXX. XXXX XXXX  also advised they did not charge any fees and the {$15.00} was not from them. 
On XXXX I tried to close my PayPal account online but was advised I can not because a dispute case was pending. I called PayPal and spoke to a rep via the telephone and was again told I can not close my account because a dispute case was pending. 

On XXXX I called XXXX XXXX  back and was again advised that the dispute ( XXXX ) was closed on XX/XX/XXXX and that PayPal was notified that my dispute ( XXXX ) was closed on XX/XX/XXXX. 

On XXXX I tried again to close my PayPal account online but was advised I can not because a dispute case was still pending. I want my PayPal account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Approximately 10 - 12 years ago I deposited money into a new account and also had given Wells Fargo {$500.00} for overdraft protection. The employee then made multiple accounts with that money in my name. The bank manager found this out for me* - when I asked for the money back they told me.i wouldn't be allowed to have it. Also they forced me to pay - {$200.00} overdraft ( which should have been protected! ) I never asked for multiple accounts but in the news I saw around that time that Wells Fargo employees were doing this to make their " new client '' quota 's and get bigger bonuses. I was taken advantage of and to this day nothing was done to make it right.

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 monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: IA

Complaint narrative:
My auto loan is through Bridgecrest and I do not receive monthly statements, only " recent activity '' is shown on my account. Recently I noticed that my payoff number, for my car, is {$2000.00} higher than a week prior! However, since they refuse to send actual statements, I have no idea why this happened.

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 2023-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I received a letter from Capital One Auto Finance XX/XX/2023 for a loan for 72 months, monthly payments {$670.00} and first payment due XX/XX/2023. I reached out to Cap One on XXXX and had to leave a message. I waited the XXXX hours it said but no one called me back. On XXXX someone reached out to me to let me know that I needed to fill out some documents and file a police report before they would start an investigation. They will not accept the documents via email. They will only accept them via fax or regular mail. This loan was taken out in XXXX, and I have lived in southern Indiana over 30 years. I feel as if Capital One did not do their due diligence at the time this loan was given for proof of identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: GA

Complaint narrative:
I did not authorize this inquiries it was done by the creditor without my permission

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
To may whom concern I have requested to all three credit bureaus my credit report, and I found inconsistencies in my reports so I asked to initiate investigations and disputes against this inconsistencies however, after the investigation state stated everything was accurate. I still went ahead and continue to investigate myself and I still see this inconsistencies on my credit report. Even after their terral research. 

In accordance with fair credit reporting act all of these inconsistencies, has violated my rights 15 U S C 1681 section 602 states that I have the right to privacy 15 15 U S C 1681 section 604 A Section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My initial complaint was filed against XXXX XXXX and Equifax for not updating my report to include recent payoff accounts and for adding an account that was part of bankruptcy several years ago. The information has not been investigated and I'm told my dispute was closed, yet this agency is reporting that they are working on the issue. Instead of handling my dispute I was sent letters requesting me to verify my identity as a method to stall or dismiss my process in retaliation for my filing a complaint with you. There isn't any need for me to verify my identity when it's already been verified through postal services change of address. And my information hasn't had to be verified because all of my information is current. I want someone to please look into sly tactics to ignore my dispute and keep wrong information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: Freedom Mortgage Company
State: LA

Complaint narrative:
I have had a ongoing issue with Freedom Mortgage ( XXXX XXXX ) pertaining to my XXXX account. Since XXXX they have been charging me for XXXX XXXXnsurance which I already had and sent them proof of coverage. I paid off my mortgage on XX/XX/XXXX in full, but since the escrow account was incorrect they continued to charge me and requested additional money. Because of this they proceeded to report me as delinquent and it effected my and my XXXX XXXX XXXX. I feel this not right, because it was their fault for not correcting my escrow account when I had sent numerous proof that I had flood insurance because they chose to ignore it this is the outcome which is not my fault. I have exceptional credit payment history as so does my XXXX. I want to have this late payment reversed.

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 2023-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo denied me loan modification when I was struggling to keep my home. I had a prev. Complaint but they only had dates but no information regarding the numerous conversations denying loan modification. Certainly there is a written transcript of those calls to provide more accurate representation of how my situation was improperly handled.

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 2023-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I purchased a concert ticket through XXXX on XX/XX/XXXX for XXXX through PayPal. On XX/XX/XXXX I received an email for an invoice request for {$1400.00} I did not purchase anything that day and realized my account may have been hacked. I reach out to PayPal and change my log in information and they investigate the situation. I was skeptical about the XXXX purchase and my accounts being hacked so soon after so I reach out to them to verify that my ticket was valid and legitimate and was concerned as to why I couldnt see the ticket or XXXX code for the event. I ask for a refund explaining the situation they state they can not give me a refund even with my concerns of my PayPal account being hacked. I reach out to PayPal and fill a dispute on XX/XX/XXXX. Then I informed my bank of the situation the same day and they opened a dispute as well. My bank XXXX XXXX did a temporary chargeback on XX/XX/XXXX for {$470.00}. They did their investigation and concluded they did not see signs of fraud and reversed the chargeback on XX/XX/XXXX for {$450.00}. We are now in XXXX and PayPal is saying they can not do anything without getting notification from the bank. I provided PayPal with my bank statements showing the reversed chargeback and they are still not doing anything. XXXX states they are waiting on PayPal to unlock my account so I can resell the ticket since thats the only way I can get a refund and PayPal wont contact my bank for more information. I called my bank and they stated the dispute is closed and they wont do anything else on the case.

Company response to consumer: Closed with explanation