vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The 3 agencies Transunion, XXXX, and XXXX have a fiduciary duty to make sure accurate information is reporting on a consumer 's credit file. XXXX XXXX XXXX XXXX is reporting 2 accounts that is causing harm to my credit profile XXXX auto loan Reporting at {$4500.00} and credit card Reporting at {$5300.00}. Both these accounts has been discharged via 1099C filing, Which Canceled the Debt/ Charged off. Per IRS Publication 4681 a Charge off is considered Income and is to be filed on my tax return. ( See Exhibits below ) The Credit balance of theses accounts should reflect {$0.00} full balance paid in full and remove any negitive reporting. This is my 4th time this year complaining about the reporting from this Company. at this point there is no need for a Fake investigation per your E-Oscar system. this needs to be updated IMMENDIATELY. 

This Complaint is Governed under Fair Credit Reporting Act and The Privacy Act of 1974.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
RE : CFPB Complaints # XXXX ( XXXX ) XXXX # XXXX ( XXXX ) and # XXXX ( Transunion ). Each of these credit reporting agencies are now in violation of 15 USC 1681c-2 ( Fair Credit Reporting Act 605 ( b ) ). In accordance with this piece of legislation, these items listed in the report should have been removed within 4 days. This has not happened. An FTC Identity Theft report ( # XXXX ) has been filed documenting the Breach of Trust which clouds all of the transactions noted in the FTC report. The consumer is now pursuing actions in equity ( UCC 1:201 ( b ) 1 ) against all agents of all the consumer credit corporations listed in the report for breach of trust ; UCC 2:103 1 ( j ) " Good Faith ''. Not to mention, the original collateral instrument ( s ) in all of these transactions was sufficient to secure the alleged debt ( s ). None of these corporations have been damaged in the consumer credit transactions in question. i, the consumer have however been harmed and continue to sustain harm, damage, loss and hardship due to the fraudulent reporting of these accounts in question. Each and every one of these accounts are evidence of the crimes of unlawful conversion, unjust enrichment, fraud, coercion, lack of disclosure constituting real damages to i, the consumer. Each of these alleged 'contracts ' are herein rescinded due to lack of consideration as i, the consumer no longer view Federal Reserve Notes as consideration. XXXX, the contracts are not legally binding. 

Further, a criminal complaint will be pursued with the Department of Justice against the credit reporting agencies for failure to comply with FCRA 605 ( b ) " blocking '' fraudulent information on the consumer 's FICO credit reports within the 4 days allotted for the removal of said items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
RE : CFPB Complaints # XXXX ( XXXX ) XXXX # XXXX ( Experian ) and # XXXX ( XXXX ). Each of these credit reporting agencies are now in violation of 15 USC 1681c-2 ( Fair Credit Reporting Act 605 ( b ) ). In accordance with this piece of legislation, these items listed in the report should have been removed within 4 days. This has not happened. An FTC Identity Theft report ( # XXXX ) has been filed documenting the Breach of Trust which clouds all of the transactions noted in the FTC report. The consumer is now pursuing actions in equity ( UCC 1:201 ( b ) 1 ) against all agents of all the consumer credit corporations listed in the report for breach of trust ; UCC 2:103 1 ( j ) " Good Faith ''. Not to mention, the original collateral instrument ( s ) in all of these transactions was sufficient to secure the alleged debt ( s ). None of these corporations have been damaged in the consumer credit transactions in question. i, the consumer have however been harmed and continue to sustain harm, damage, loss and hardship due to the fraudulent reporting of these accounts in question. Each and every one of these accounts are evidence of the crimes of unlawful conversion, unjust enrichment, fraud, coercion, lack of disclosure constituting real damages to i, the consumer. Each of these alleged 'contracts ' are herein rescinded due to lack of consideration as i, the consumer no longer view Federal Reserve Notes as consideration. XXXX, the contracts are not legally binding. 

Further, a criminal complaint will be pursued with the Department of Justice against the credit reporting agencies for failure to comply with FCRA 605 ( b ) " blocking '' fraudulent information on the consumer 's FICO credit reports within the 4 days allotted for the removal of said items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: World Acceptance Corporation
State: GA

Complaint narrative:
This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ). the open date. date last active is not accurate, balances, and last payment .Delete Account Immediately for violation of 15 USC 1681e ( b ). I am writing to dispute inaccurate information in my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. According to Section 1681i of the FCRA, you are required to conduct a reasonable investigation into my dispute and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. 
Creditor : world finance Account number:XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, XXXX Citicard has been suspended multiple times for non payment. I have made regular monthly payments following the same process in a timely manner. However, payments are lost/not applied by Citibank randomly XXXX They suspend my card, resulting in negatively impacting my XXXX XXXX and ability to use the card. 
Every single time, I have called in, filled out the paperwork, and CitiBank is then able to trace the payment and retroactively apply it to my account. However they are unable to provide me with a permanent resolution to avoid such occurrences in the future. The entire process takes over XXXX weeks during which time the card stays suspended unless I make an additional payment over and above the minimum amount due. I do believe that this constitutes as fraud and harassment. 
The most recent phone call with a supervisor, XXXX made on XX/XX/year> at XXXX basically implied that they are not able to help me and this will continue. He was extremely rude and simply refused to understand that it is Citibank that is failing to apply my payments resulting in undue hardship on me.

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 2024-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Dave Operating, LLC
State: OH

Complaint narrative:
My son wanted to buy a snake online, so I helped him search for websites where we could find the specific one he was looking for. I found the snake he wanted on XXXX When I went to checkout, the website said that I needed to pay via XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX, and that they did not accept credit card payments. Despite this being a red flag, I paid for the snake from my XXXX account via XXXX XXXX. The snake was supposed to be shipped to us on Monday, XX/XX/year>, but instead of receiving tracking information, I got an email from their " courier '' asking for {$490.00} for XXXX XXXX XXXX  They assured me it was a one-time fee and that it would be refunded once the snake was delivered. If I didn't pay the fee, they threatened to send the snake to a XXXX  shelter. I became suspicious and did some research, only to find out that this is a common scam involving exotic animals ( https : XXXX ). 
I never received the snake, and though the merchant promised to refund me on XXXX, I have not received the money back. I will provide the communication I had with the merchant. 
I have reported this fraud to the FBI so they can look into it as well. 

I sent this money to the company via a debit card I had linked to my XXXX XXXX account. I tried to dispute this transaction with XXXX, but they said that I had to dispute it with my bank. The name of the bank that my debit card is linked to is called XXXX Bank XXXX I disputed the transaction twice with my bank and they denied it both times. It has been over 4 months since I was scammed out of this money and I still have not received the item I paid for or the money that I sent to the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
The car was totaled out and progressive paid the car off. And i had gap. The lean holder is still saying i owe them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
I am writing to formally request the removal of a fraudulent inquiry from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach that has led to unauthorized activity on my credit report. 
The fraudulent inquiry that needs to be removed is as follows : XXXX  - Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: OR

Complaint narrative:
I HAVE BEEN A VICTIM OF SEVERAL BREECHES i.e. XXXX All of the following inquires were made fraudulantley : XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XX/XX/XXXX, XXXX  XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX CARD - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX OF XXXX - XX/XX/XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: OR

Complaint narrative:
I HAVE BEEN A VICTIM OF SEVERAL BREECHES i.e. Equifax All of the following inquires were made fraudulantley : XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XX/XX/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 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 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXXXXXX XXXX XXXX I decided to close my Kohls credit card account. I contacted them with the request, I do not owe any money. The assured me the account is closed. I am receiving emails from Capital One about changes in my Kohls credit account ( XX/XX/year> ). When I contact Kohls the customer service representative says they can not close the account on their side. They do not tell me why, it's just that the customer service rep does not have the authority to close the account. 

The automated system wants my credit card number, I destroyed the card after closing the account. The customer service rep says they can remove my name from emails, but that does not close the account. 

As a consumer, there is no way I can verify the account is closed, and the customer service rep does not see the account as closed, just no email. This is very deceptive that Kohls leaves my account open, but just doesn't tell me. I feel my personal banking information is compromised because I used my banking info to pay my Kohls charges. 

The representative from Capital One called me and said they did not have me on file, but the emails I receive come from Capital One, so they do have me and my personal information on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against Mr. Cooper regarding the insufficient communication and support I have experienced from my assigned representative. Each time I have contacted the company, I have been informed that she is unavailable and currently on another call, despite the company 's documentation indicating that she is my dedicated point of contact. This persistent unavailability constitutes a failure to provide adequate service and support as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Real Estate Settlement Procedures Act ( RESPA ). 

As an elderly homeowner, the lack of responsiveness has caused significant distress and anxiety during a time when I am facing critical mortgage-related issues. Mr. Coopers failure to ensure that I can communicate with my assigned representative directly may be construed as a violation of consumer protection laws designed to provide transparent and effective communication. The FDCPA mandates that debt collectors communicate clearly and promptly with consumers, while RESPA requires mortgage servicers to respond to inquiries in a timely manner.

I believe that Mr. Coopers practices may amount to negligent handling of my account, which may impede my ability to resolve urgent matters regarding my mortgage. Therefore, I respectfully request that the CFPB conduct a thorough investigation into Mr. Coopers business practices concerning customer communication and service standards.

Thank you for your attention to this matter. I look forward to your prompt response regarding the steps you will take to address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I opened a checking account with Chase Bank in XXXX XXXX XXXX Shortly after opening the account I received a check for {$4000.00} from a co-worker named XXXX who had borrowed funds from me the previous year to use for their down payment on their car. My co-worker asked if he could just sign his check over to me to use as repayment and I called XXXX and asked a banker at their customer service center if that was possible and if so how to do it. The customer service agent gave me instructions on what XXXX would need to write on the check in order for me to be allowed to deposit it into my account without any issue. XXXX and I followed the instructions XXXX gave us and I deposited the check into my account. The check was put on an extended hold and while it was on hold the check was paid by the paying bank without issue and the hold expired - however, right before the hold expired XXXX put a restriction on my account and then promptly closed the account and said that they now needed to speak with XXXX in order to verify the check and release the funds that were in my account back to me. I gave Chase Bank XXXX 's phone number and Chase Bank responded by telling me that their system could not verify that phone number so they couldn't call XXXX on it. We work manual labor and XXXX 's phone at the time was paid by his mother and in her name. XXXX left the company in late XXXX and I haven't spoken to him since. It is now XXXX and XXXX has had these funds for over 10 months without resolution. The check has not been disputed or charged back and the paying bank reported no issues with it. Chase Bank has essentially decided that the only way they will release these funds is if XXXX goes and puts a cell phone in his name that Chase Bank 's system is able to verify at which point they will call him and then the check can be released. I believe this is completely unreasonable and since XXXX left our worksite I haven't spoken to him so I'm not even positive I'd be able to track him down let alone convince him that he now must open up a cell phone account simply for the purpose of satisfying Chase Bank 's arbitrary account flagging. I do not remember the account number so I will provide my social security XXXX and my date of birth is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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.

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 XXXX 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 response to consumer: Closed with non-monetary relief