vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. 

IRS INSTRUCTIONS FOR DEBTOR. 

Instructions for XXXX XXXX received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I provided the credit reporting agencies Equifax and XXXX that the account XXXX XXXX XXXX : # XXXX is inaccurately reporting on my credit report. I even provided the documents which they state they are able to see. Per my original contract ( which was provided to the credit agencies, and collection agency ) with XXXX XXXX company 's original documents the date that the account was open and the amount are incorrectly reporting on my credit. It is against Federal Law to fraudulently report information that is knowingly inaccurate on a person 's credit report. I was told that the collection agencies do not have to provide proof that the accounts that they are reporting is correct. Even after I provided my original documents to the credit reporting agencies they refused to delete the inaccurate account from my credit report. I asked why this was and was told that they are taking the collection agency 's word over my provided fact checking documents, and that the only thing they could do was file another dispute. I have filed several disputes and nothing is being done to remove this fraudulent account from my credit report. The original contract I had with XXXX XXXX was voided because they never pulled money from my bank account, per the contract the money was to be directly paid each month. When I tried to contact them on numerous occasions about the account number that the employee wrote down, to inform them that it was not my account number and the money was never being pulled they would not update the information. XXXX XXXX kept giving me the run around and no one was willing to update my account with my account number. I never received the services because they never pulled the money from my account to pay for the services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: LA

Complaint narrative:
{$17000.00} of principle only payments not applied. Fraudulently stated they have not received XXXX and XXXX payments although my bank stated the checks has been received by MM and cashed. I have reached out to MM gave them dates, check numbers and dollar amounts sent. This is a criminal company that need to be investigated. XXXX XXXX XXXX XXXX  has hundreds of complaints similar to mine. There is no online email address to inquire about issues, which I assume so that they can avoid a paper trail and deny that they received anything just like they have for my payments. I will only supply additional information upon their request.

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 2023-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/2023 I applied for XXXX balance transfer requests. The first request was balance transfer from XXXX Bank in the amount of {$750.00} to XXXX XXXX XXXXe Bank. The second was for {$320.00} from XXXX XXXX to XXXXXXXX XXXX XXXX Bank. 

On XX/XX/2023 both balance transfer amounts showed up on my XXXX XXXX ( XXXX ) so I assumed both transfers were complete. 
On Friday XX/XX/2023, I received a check in the US mail that was for XXXX Bank in the amount of {$320.00} however it used my address as their place of business ( see attached check ). At yhat point I checked my balances at XXXX and XXXX which both indicated a transfer had not occurred and I still owed them the balance transfer amounts. 
I then called XXXX and spoke to a representative and explained my confusion on receiving an invalid check and my concern for being charged on my XXXX account for transfers that they had not yet paid resulting in me now owing Mercury, XXXX, and XXXX for the same charges. She understood my concerns but stated there was nothing she could do to personally fix the problem and would have to send my concerns to the fraud section. I expressed that wasn't acceptable to me and asked to speak to her supervisor. She transferred me to XXXX, employee # XXXX. I explained the scenario and she offered a resolution that was not acceptable at first. She then cancelled the balance transfer for the check amount and said that would show up on my XXXX account XXXX to 5 days which I accepted. However, I was still concerned about the other transfer.. To the poinXXXX I do not believe it is legal or ethical to charge for XXXX to bill for a transfer that has not been completed, which has happened in both XXXX and XXXX scenarios above. The credit for check has not shown up on my account to date and I still owe XXXX, XXXX and XXXX for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: MI

Complaint narrative:
I wish to file a formal complaint against Experian for their repeated violation of my consumer rights. Despite my numerous attempts to rectify the situation in XXXX, XXXX, & XXXX Ive also made several complaints with the CFPB as well, Experian has failed to perform a proper investigation and reinvestigation, leaving me with incorrect and damaging information on my credit report. I have previously lodged complaints with Experian, providing them with all the necessary documentation and evidence to support my claims. However, their lack of diligence in conducting a thorough investigation is plain to see from the continued presence of inaccurate information on my credit report. I have no choice but to pursue legal action against Experian for their improper handling of my credit report. I am giving Experian a final opportunity to rectify this situation promptly and effectively. I am left with no choice but to pursue legal action against Experian for the significant damage caused by this negligence. This communication serves as my final attempt to resolve this matter before initiating a lawsuit. I demand immediate action to rectify the inaccuracies on my credit report and restore my rightful credit standing.They have a strict deadline of 14 days from the receipt of this complaint to respond with a satisfactory resolution. Failure to do so will leave me with no option but to seek the appropriate legal remedies available to me. I kindly request the Consumer Financial Protection Bureau to promptly address and investigate my complaint against Experian. Attached are copies of disputes and evidence submitted to Experian, in addition to documentation that confirms their persistent failure to comply with the FCRA. 

Thank you for your immediate attention to this matter. I eagerly await your response and resolution within the given timeframe.

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 2023-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

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 2023-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have reported the payment made to XXXX  XXXX to trans union they will not fixed they have where I cant dispute it anymore

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 2023-07-29 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: AL

Complaint narrative:
Unable to remember date, I have XXXX accounts with Capital One. I mistakenly made a XXXX payment to the incorrect account listed on website. I alerted the company. They informed that a procedural investigation will have to be conducted. 
That process took almost XXXX weeks. Finally they applied my credit payment to card XXXX, but for some reason XXXX credits were applied to my account XXXX, XXXX. Their system appears to be charging me for the double credit that I did not spend. 

I have a XXXX credit limit, I was told that the system would not allow me to spend more than my credit limit, so confusing. Because I only owed XXXX, but I remitted a payment of XXXX, where is the credit for remainder. If I spent over that, the overage should have covered the transactions, therefore, I need to know why I owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Association In accordance to the fair credit reporting Act XXXX has violated my rights. 15 USC Section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 USC Section 604a In accordance with the written instructions of the consumer to whom it relates. 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This has to do with XXXX selling my account to collection company who is not the company I have account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), 15 USC 6802, and 12 CFR 1006.34 ( c ) for your antisemitism, character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade pursuant to 18 USC 247 ( a ) ( 2 ).

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 2023-07-29 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: OR

Complaint narrative:
Please reference case XXXX. Although your office has closed this case it is obvious no one has seen to the matter I delineated in my complaint. The gist is that Capital One has repeatedly ignored my the substance of my correspondence with them. I need PROOF that I agreed to XXXX XXXX XXXX 's terms at the time I became a subscriber of there service. That is they must provide a dated signed copy of the contract I entered into that allows them to keep the entire months fee rather than prorating that fee based on my cancellation date. This has been ignored REPEATEDLY. The last thing I received was a few pages that XXXX XXXX XXXX supplied that they think is sufficient. It is not. There was NOT the signed copy of the contract I require. It appears they sent a copy of the last bill they sent me along with a few assorted pages. ALL OF THE PAGES received are COMPLETELY UNREADABLE! Please review these pages and you will see just that that NO ONE could possibly read them. Therefore I have not received any justification for XXXX XXXX XXXX to attempt to charge me the entire months fee. As I have pointed out to you previously Capital One simply passes on this eyewash and denies my dispute. In addition as I've since seen on your website Capital One is banned from charging fees/interest in this dispute, but as of today XXXX XXXX they are doing just that to the tune of {$74.00} thus far. Someone needs to get their attention! I have been way more than reasonable in this matter. I have spent hours on the phone with Capital One, composed letters, emailing these letters at least 4 times. I was informed these emails were not forwarded to the dispute resolution team as they should have been so I again submitted my documentation, this time through their inconvenient " link '' process. Again, no one will address my issue at hand. How can these corporations be allowed due business in this manner?? Why is it that a convenient email can not be used to communicate with them.? It is obvious that they throw up as many roadblocks as possible to have someone " just give up ''. So, I am again requesting that your office make Capital One and XXXX XXXX XXXX do their jobs and provide me with the proof I require or admit that their claim is invalid. Please, please, please spend the time required to ensure they do just that. Thank You Very Much For Your Time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
i co signed on a truck loan with ally financial. we paid it off and have been waiting on them to send the title. we keep getting calls saying we still owe them, and my credit is being destroyed. it has dropped XXXX points since XX/XX/2023. 
we had put a complaint in about the title and still have not received it.

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 2023-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A request was sent to credit bureaus to investigate and provide WRITTEN proof of two Fraudulant information on my credit report, Employment at XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX were bothe fraud on my account. 

No written proof or document was provided within the 30 days as requested to support these errors, the address was deleted but fraudulent account attatched were not deleted. 

By law use 1681B which support permissible purpose, no consent and identity theft was all violated by. 
XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX, These accounts are linked to the fraudulant address and must also be removed, by law.

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 2023-07-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
A request was sent to credit bureaus to investigate and provide WRITTEN proof of two Fraudulant information on my credit report, Employment at XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX were bothe fraud on my account. 

No written proof or document was provided within the 30 days as requested to support these errors, the address was deleted but fraudulent account attatched were not deleted. 

By law use 1681B which support permissible purpose, no consent and identity theft was all violated by. 
XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX, These accounts are linked to the fraudulant address and must also be removed, by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/22, my husband contacted Comenity Bank via phone to pay off my account using his XXXX XXXX  XXXX XXXX in the amount of {$5200.00}, paying off the balance of my accout with a Customer Service Rep. On XX/XX/22 the funds were removed from our checking account by Comenity. 
Comenity Bank. Comenity Bank claims to not receive the funds. Ive made multiple phone calls and correspondence trying to resolve the issue. 
We provided Comenity Bank with copies of our bank statement showing the reference numbers of the transaction and a letter with the same. They denied receiving still, on another occasion I sent another letter with a copy of the draft note provided by our bank and still they denied. Asked us to go to the bank to provide the transaction information for electronic transfer. Our bank said the information we provided is what they need. Our Bank ( XXXX XXXX  ) is advising they can no longer help us, due to the time it took Comenity to research. Our bank allows 60 days, and it is way beyond that period. 
I am hoping you can help or advise to resolve. My account at Comenity balance should be XXXX but now with late fees they are charging me over {$6000.00}. On top of this my credit score went from XXXX to XXXX  XXXX because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I initiated my Wise account balance withdrawal to be transferred back to my checking account. 18 days later, Wise hasn't transferred my funds yet. 

I reached out to their customer support several times via a phone and email and they always said they were " running some checks '' on my account which should not take longer than 10 business days. They promised to escalate the issue several times without any difference. 

How is it possible to block withdrawal of my own funds? This is not an international transfer that should be verified, the funds are supposed to go back to my credit union checking account. 

Here 're the details available on my Wise account : XXXX XXXX - You set up your transfer XXXX XXXX - You used your XXXX  balance We're running some checks Sorry for the wait we need a bit more time to process your transfer.

Company response to consumer: Closed with monetary relief