vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc.
State: PA

Complaint narrative:
I have contacted the credit bureaus and Self regarding the incorrect information on my credit report. Even after submitting multiple disputes to both organizations, I have not received any communication, and it seems that a comprehensive investigation has not taken place. If inaccuracies continue to appear on my credit report, it is impossible to guarantee that the reported information meets the FCRA 's stringent accuracy standards. The failure to act constitutes a clear violation of law intended to safeguard consumers such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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 2023-11-29 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: MS

Complaint narrative:
refuse to investigate and remove in accurate information from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have sent Wells Fargo, N.A Bank two different Billing error notices disputing a balance of {$6100.00}. First letter was received on XXXX and my Second billing error plus notice of default was received XXXX. Wells Fargo failed to perform all administrative duties and procedures related to billing error notices. 
Wells Fargo XXXX XXXX XXXX XXXX XXXX gets access to the Billing Error notices and CONVERTS them into complaint cases. They SHOULD NOT be converting anything. This tactic is used for them to elude the required procedures of handling billing error cases. Wells Fargo have created XXXX different complaint cases on my account and I never filed a COMPLAINT with them ever. The case numbers are : XX/XX/2023 # XXXX, XX/XX/2023 # XXXX, # XXXX, XX/XX/2023 # XXXX. They use these case numbers deceptively to give account holders the false impression as if they are responding to a Billing error notice but in reality they create a complaint case numbers and NEVER OPEN A BILLING ERROR DISPUTE CASE. I have never sent a letter expressing a complaint, nor have I did over the phone. WHY do I have XXXX Complaint cases????? 
In my XXXX billing error notice of default I instructed them not to contact me by telephone and respond by XXXX mail only. There are already numerous attempts by them to contact me by phone which is considered harassment at this point. I want the Bureaus to investigate WHY is Wells Fargo allowing and instructing their XXXX XXXX XXXX XXXX XXXX ) Change Billing Error Notices into Complaint cases. This is pure NON COMPLIANCE with the Billing error dispute process. My notice of default was to request them to forfeit the balance of {$6100.00} for the Complete FAILURE of ALL the Procedures required and that is in compliance with XXXX XXXX XXXX, TILA Part D XXXX, XXXX, XXXX, XXXX and XXXX. Any other regulations or procedures applicable to my case. As I write this complaint now Wells Fargo is Still in Non compliance and they are also still trying to collect on a balance that is being disputed for the XXXX time. They are also still reporting the disputed balance on my credit report as accurate. There was never a reasonable investigation completed nor are they taking any responsibility for the Unauthorized electronic transfer of {$6100.00} made on my account. The money should've never left my account and they were offered XXXX business days to contact me to provide WRITTEN authorization. Wells Fargo never attempt to contact me to provide that information, Therefore Wells Fargo is Liable for the {$6100.00}. And I am requesting for them to XXXX  out my balance.

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 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: GA

Complaint narrative:
Loan servicing company, Loan Care on behalf of XXXX XXXX Bank, has experienced a cyber security attack and did not contact me to address the issue, still haven't. The only way we can make payment is via mailed check and the last time I did that, it took XXXX for them to post payment which resulted in me having to make XXXX mortgage payments in 1 month to avoid default. There are thousands of people affected this at the moment and we have no options to make our mortgage payments. No one with Loan Care will answer the phone and the banks it services can not help either.

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 2023-11-29 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: MA

Complaint narrative:
I recently checked my credit report and saw in the collection that I am not aware of. This collection is fraudulently reporting on my account and it's completely inaccurate. Whatever this is agency is in violation of 15 U.S.C. 1692g. I do not validate this debt. Also, according to 15 USC 1681, my credit report should be 100 % accurate. The XXXX XXXX XXXX XXXX does not have the account number, which is a violation and it is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: NC

Complaint narrative:
I have discovered instances of identity theft on my consumer report, which appear to be clear violations of state law and federal law, specifically 15 U.S. Code 1681c-2. I have not provided my explicit consent for any of these accounts to be reported without my expressed, written consent ; nor when I initiated and opened these accounts was I advised that these private transactions would be reported. This violates the very right to privacy I am seeking to protect, to which the agency is depriving me of. Furthermore, if the agency refuses to remove these accounts, not as a matter of accuracy, to please supply proof and evidence that you are non a non-affiliated, for-profit organization possibly profiting off of the reporting of these private transactions. If you lack my permission to report, which you do, these accounts shall not be reported. Please remove these accounts immediately. There should be no verification or validation and I do not consent to you communicating with the accounts I demand be removed. This, as well, violates my right to privacy. The accounts belong to me, so accuracy is not the issue. These violations stem from unauthorized transactions executed without my explicit consent, leading to the reporting of highly personal information to third parties. The credit reporting agency has also failed to provide clear and conspicuous information regarding the reporting of certain accounts, as mandated by the XXXX XXXX. Furthermore, I was not notified when a consumer report was being generated on my behalf or when an investigative report was requested, which I believe is a violation of 15 U.S. Code 1681d. Identity theft happens when information is obtained and shared without your expressed written consent or knowledge and this is what happened. The credit reporting agency lacks evidence that proves you provided consent to have these private transactions and accounts reported per the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have failed to complete an investigation into the accounts that were disputed almost 6 months ago. I submitted a FTC report and proof that my information was compromised in the XXXX data breach, and you continue to report the following accounts and inquiries. I am keeping close tabs on each dispute letter and complaint submitted. If the following accounts are not removed from my credit report due to inaccurate reporting and unverified information, I will move forward with filing a statement of claim. Immediately remove the following accounts and inquiries from my credit report : 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 XXXXXXXX XXXX XXXX XXXX XXXX. XXXX has since removed this account from my credit report. Please see the attached FTC report and remove the aforementioned accounts

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 2023-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
As per the attached documents : Chase has provided inaccurate/false mortgage statements that indicate that the HELOC or Home Equity Line of Credit is a XXXX mortgage or XXXX Lien when XXXX is not. 

Chase has filed inaccurate/false " Proof of Filing Statement '' with XXXX Department XXXX XXXX XXXX XXXX XXXX. 

Chase used both the innacurate/false " XXXX mtg '' mortgage statements and false XXXX " XXXX of XXXX XXXX '' as " XXXX Lien '' XXXX file foreclosure with the court. 

Chase has egregiously doubled the HELOC mortgage payment from ~ {$280.00} to ~ {$600.00}. 

Chase needs to provide accurate mortgage statements with accurate payment and outstanding balance listed and REMOVE XXXX XXXX or XXXX mortgage from every mortgage statement. 

Chase needs to file an amended " XXXX of XXXX XXXX '' with XXXX given that it is not " XXXX Lien '' as the attached court document indicates. 

Chase needs to amend the mortgage to reflect a mortgage payment significantly lower than {$600.00} - a modification is not a reduction by {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NY

Complaint narrative:
I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously denied and/or processed my XXXX application incorrectly. I have attempted on several occasions to complete the required employment certification for XXXX. I worked at XXXX University from XXXX of XXXX through XXXX of XXXX, and currently work for XXXX XXXX XXXX XXXX, which I began in XXXX of XXXX and last certified on a XXXX form in XX/XX/XXXX. All of this employment was submitted in XX/XX/XXXX, at which point only my current employment was approved. I resubmitted my employment with XXXX in XXXX. I recently received a notice that my XXXX employment was approved, however when they approved my XXXX it appears they removed my employment at the XXXX XXXX XXXX XXXX. Previously, I had XXXX qualifying payments, XXXX through XX/XX/XXXX, however now it lists none, and states the reason is no employment was certified. The letter approving XXXX only has XXXX listed and not the XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
unrecognized collection account appearing on my credit report. The account details are as follows : - Original Creditor : XXXX XXXX POWERED BY - Balance : {$300.00} - Current Amount Owed : {$300.00} - Balance Updated : XX/XX/2023 - Original Balance : {$300.00} - Date Opened : XX/XX/2023 - Account Type : Collection - Status : Collection account. {$300.00} past due as of XX/XX/2023. 
- Status Updated : XX/XX/2023 After a thorough review, it has come to my attention that this collection account is in violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : XXXX. XXXX XXXX : ** Our records indicate that the account has been fully paid off ( 0 % balance ), contradicting the reported past due status as of XX/XX/2023. 

XXXX. **Lack of XXXX XXXX : ** The account status was last updated in XX/XX/2023, creating a significant lapse in reporting that does not accurately reflect the current status of the account. 

These discrepancies are concerning, and we request that you investigate this matter promptly. As per the FCRA, inaccurate and outdated information on a credit report can have adverse effects on an individual 's creditworthiness.

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 2023-11-29 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: 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. 

AXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I sent capitolone a verification form and they said they have done a complete investigation and they had 15 days to do so verification form sent XXXX XXXX 2023 and not returned take this off of report null and void and if closed were my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently checked my credit report and saw in the collection that I am not aware of. This collection is fraudulently reporting on my account and it's completely inaccurate. Whatever this is agency is in violation of 15 U.S.C. 1692g. I do not validate this debt. Also, according to 15 USC 1681, my credit report should be 100 % accurate. The XXXX XXXX XXXX XXXX does not have the account number, which is a violation and it 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 2023-11-29 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently checked my credit report and saw in the collection that I am not aware of. This collection is fraudulently reporting on my account and it's completely inaccurate. Whatever this is agency is in violation of 15 U.S.C. 1692g. I do not validate this debt. Also, according to 15 USC 1681, my credit report should be 100 % accurate. The XXXX XXXX XXXX XXXX does not have the account number, which is a violation and it is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have failed to complete an investigation into the accounts that were disputed almost 6 months ago. I submitted a FTC report and proof that my information was compromised in the XXXX data breach, and you continue to report the following accounts and inquiries. I am keeping close tabs on each dispute letter and complaint submitted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT TREASURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: E Mortgage Capital, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX E Mortgage Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This person has been sending my personal information to people that i'm associated with and have never provided their information. I'm also not sure how it got my information as I never applied on his company site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Ok I opened an account with capital one After I Received my debit cards I got an email from capital one stating that my accounts are potentially closed I after that I gave them a call and they told me there closing my accounts because of previous accounts that I have had Previously which I never had an account with capital one ever they closed both of my accounts for no Reason capital 360 and small business account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: FL

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX  Delete From My CREDIT REPORT 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Delete From My CREDIT REPORT 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX, FL XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: TN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation