vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to WELLS FARGO. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the fraudulent accounts. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-10-21 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Early Warning Services is and has hosted incomplete, inaccurate information on the consumer report in which has impeded my ability to obtain remedies and checking/savings account where needed.

I have documentation from Early Warning Services showing the issues and doing what I believe they deem as the correct remedy for some of the incomplete, inaccurate information but I don't see it as so simple. I need to be compensated for the damages from the violations Early Warning Services has furnished information on my consumer report that has caused insurmountable damages to me and if not remedied here then I will be seeking damages in state and or federal court. 

DOCUMENTATION INCLUDED : AFFIDAVIT EXHIBITS ( EARLY WARNING PROPOSED REMEDY FOR DELETION OF INACCURATE ACCOUNTS )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry from XXXX appearing on my credit report. I did not apply for any credit or authorize this inquiry, and it is negatively affecting my credit score. I request that this inquiry be removed immediately to correct my report and prevent further harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had a friend who had asked me if I could help him move money off of his Venmo. I was decently close with him at the time and i have helped him XXXX money to his mom before. Well it was a ridiculous amount. about XXXX. I was stunned at first and just asked him what the XXXX. He told me he had been saving money for a while and had some money from his refund check for school which made sense to me. He had no way to get it to his XXXX XXXX to send to his family and asked if could help him. So I was just trying to be a friend and help and then next thing I know I got hit with a Venmo transaction dispute and when i went to ask him what the XXXX he just told me he doesn't know why and doesn't respond to me much more. The more i looked into it im starting to think my kindness was taken for granted and i got scammed by who i thought was a friend.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to request the removal of the following incorrect or outdated addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These addresses are no longer associated with me and should be removed to ensure the accuracy of my credit report. Please update my file accordingly to prevent any potential confusion or negative impact on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Corruption. stealing of homes in America is at issue here. What do you plan on doing about it? You're our consumer PROTECTION bureau. where is my protection? Why are you failing Americans? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al

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 2024-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Certified mail was received on XX/XX/year>. I reviewed my consumer report and noticed eight late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability, with maximum accuracy. I have never been late on payments for the account. Account Type : Auto Loan Creditors Name : XXXX XXXX XXXX Account XXXX : XXXX Date of Late Payment : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please investigate and provide proof with statements showing those payments were late. If proof can not be provided, I demand these payments be updated to on time as they should be, as I was never late. Thank you.

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 2024-10-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Certified mail was received on XX/XX/year>. I reviewed my consumer report and noticed eight late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability, with maximum accuracy. I have never been late on payments for the account. Account Type : Auto Loan Creditors Name : XXXX XXXX XXXX XXXX XXXX : XXXX Date of Late Payment : XX/XX/year>, XX/XX/year>, XX/XX/year> Please investigate and provide proof with statements showing those payments were late. If proof can not be provided, I demand these payments be updated to on time as they should be, as I was never late. Thank you.

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 2024-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not 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 non-monetary relief
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not 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 2024-10-21 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: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of 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 explanation
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
To TransUnion Credit Reporting Agency, I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the immediate blocking of fraudulent information on my credit report due to identity theft. 

I have identified several inquiries that I do not recognize, which I believe are the result of fraud. The specific fraudulent inquiries are : XXXX XXXX ( AUTO ) on XX/XX/year> XXXX ( FINANCE ) on XX/XX/year> XXXX  ( BANK ) on XX/XX/year> XXXX XXXX XXXX ( FINANCE ) on XX/XX/year> XXXX XXXX ( FINANCE ) on XX/XX/year> I demand that these fraudulent inquiries be removed from my TransUnion credit report within four business days, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have attached a list of the fraudulent hard inquiries and a copy of my credit report showing these items. None of these accounts or inquiries were authorized by me, and they are entirely the result of identity theft.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX, Account # XXXX. 
Refusal To Validate " Correctly '' My request is for the following : 1. The Last Date of activity is extending the Statute of Limitations.

This account has been charged off 10 times, which is a violation. The charge off dates are XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX. 
2. This account is also reported as written off, charged off and never late.

Charge offs should be according to 15 USC 1635, 15 USC 1692g, and 15 USC 1601, Congressional Findings & Declarations of Purpose. 

XXXX, XXXX and Equifax are paid agencies, not the Credit Bureau. Any credit agency reporting inaccurate information should immediately delete from the credit file. This account can not be legally and lawfully according to the FCRA 10 times, and then written off and then listed as never late.

The same information should be reported on each Credit Agency of XXXX, XXXX and Equifax, but each Agency is reporting differently and this is a violation of my consumer rights.

Delete these inaccuracy of this account from my credit file immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX, Account # XXXX. 
Refusal To Validate " Correctly '' My request is for the following : 1. The Last Date of activity is extending the Statute of Limitations.

This account has been charged off 10 times, which is a violation. The charge off dates are XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX. 
2. This account is also reported as written off, charged off and never late.

Charge offs should be according to 15 USC 1635, 15 USC 1692g, and 15 USC 1601, Congressional Findings & Declarations of Purpose. 

Experian, XXXX and XXXX are paid agencies, not the Credit Bureau. Any credit agency reporting inaccurate information should immediately delete from the credit file. This account can not be legally and lawfully according to the FCRA 10 times, and then written off and then listed as never late.

The same information should be reported on each Credit Agency of Experian, XXXX and XXXX, but each Agency is reporting differently and this is a violation of my consumer rights.

Delete these inaccuracy of this account from my credit file immediately and permanently.

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 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On ~ XX/XX/XXXX Chase bank informed me that my business account was closed. It was literally XXXX days after I deposited client insurance checks exceeding XXXX dollars. 

Chase then informed me in person at the branch that a credit issue on my report needed to be resolved - ( outstanding debt of XXXX ). This was resolved and my account was closed in total. I was told that the XXXX would be returned to me on XX/XX/XXXX Upon calling multiple times, I have been told pieces as to what precipitated the closure, E.g - Outstanding credit card balance on personal credit report - Client checks deposited could not be verified - Client contacted did not verify - Client did not understand CHASE representative At this point, 1 of the 2 checks have cleared the client and has been funded, but chase refuses to release the funds. Chase claims since they were deposited together, they are holding the main check until the minor check clears They are holding the minor check until they reach BOTH clients ( man and wife ). 

I have spoken to both, but CHASE does NOT have a case manager on this and I must initiate the call on two parties during their work hours. 

In the meantime, my XXXX XXXX has opened another account in with the help of relatives, and continues to meet client needs. 

However, I have suffered significant damage to my reputation, and have NOT received the XXXX already cleared. 

The entire closure was due to CHASE, and their system that does not take into account language barriers that drove the miscommunication. 

I NEED my funds ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had an issue with fifth third bank. I am currently trying to get a home equity alone and because theyre trying to claim that I was behind on my mortgage for two months filing it late. My credit has been knocked down, but its been over a year and it was paid. They had my money sitting in on applied at the bank and I had to call to three different times to have this corrected and received an apology letter and they sent me money back several times And they are not fixing my credit report. I spoke with claims they were correct when they are not there was money that they said they sent me. They never sent me so they had to apply all of that money to my mortgage and then told me never to send more money than my mortgage actually is, because it will get misplaced

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received a call today ( XX/XX/21 ) from Randolph Brooks Federal Credit Union saying my mortgage was past due. 

My initial response was " That's impossible... I have automatic payments set up ''. After some research it appeared my account was short {$300.00} on the day they tried to make the payment, but I received ZERO notification that the payment did not process. 

I promptly made a payment with the representative and hung up. As I was reviewing my account I noticed I was charged a late fee of OVER {$100.00} ( {$100.00} to be exact ). 

After discovering this late fee, I called back. During the conversation I informed the representative that I never received a notification that my automatic payment wasn't processed and I asked to have the fee waived as a courtesy since I've NEVER been past due on a payment ( anywhere, any loan ) and I've always paid over the minimum payment on this mortgage. The representative said she couldn't do anything but she could escalate a case to a manager.

I received a call from a manager earlier today telling me that the fee can't be waived. When I asked about their process for notifying me that my automatic payment was not processed, she said they didn't have one. She also let me know that they only call people AFTER the grace period for the loan payment ( meaning after they are guaranteed a late fee??? ). 

This process seems unfair, abusive and deceptive for several reasons...

1. Why would they not notify me that my automatic payment was not processed on the day that automatic payment was supposed to happen?

2. Why did they wait until AFTER the grace period before calling me to let me know?

3. Why is it that they can't provide a courtesy refund and ensure this is not reported to the credit bureau???

4. The fact that they can charge over {$100.00} for a first time late fee is abusive.

I am very conscientious of my credit score and payment history and the fact that I will now have a late payment on my credit report for a problem that could have been averted had I been notified is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I called Capital One and expressed to them that I was unemployed and was having a hard time paying the bill. The representative who had broken English said I was 22 days past due 22 so then I asked her if she had any programs and the only program that she offered was a delay in payment but that was not going to help my credit report in. If it went over 30 it would still be reported as late. I said well that's not going to help me but that's all she had so I told her that's not going to work. A few days later I did make a payment but she told me I was 22 days past too but yet they reportedly as 30 days late even though they told me I wasn't going to be. I had 8 days but she told me the wrong information yet again they need to stop doing this. This is hurting consumers like me. Why do they tell the wrong information? I should not be reported late as I work very hard to keep building my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Today, XX/XX/year> I tried to cancel my XXXX XXXX credit card online and it would not let me. I called and after a long wait I got a person that doesn't speak English well and could not spell anything. She pretended to transfer me but she was always on the other line and I never heard a transfer sound. I requested a manager and she refused this at first. She then continued to pretend to transfer me for over 10 minutes. I told her that I have the right to cancel my card. I have a XXXX balance for years and I don't ever use this card.

Anyways, I hanged up unable to speak with a supervisor. I called back and I finally got a recording to enter my credit card number but then they gave me a 10 minute wait which was longer than that. There was not an option of a call back either. I am very frustrated that this company would play games and don't let me close my credit card.

Please help me close this credit card

Company response to consumer: Closed with non-monetary relief