vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
15 U.S. Code 1605 - Determination of finance charge It has come to my attention that before I purchase my car I was charged a fee XXXX dollars and which time I was told that this would be needed to purchase my car I have been looking up laws and was determine that this a violation of the consumer law that I just stated This XXXX dollars was not applied to my loan amount and was in direct violation of the above consumer law please have someone contact me immediately or I will hold enterprise civilly liable My down payment was paid threw a online portal XXXX  days before I received my car I Have the original contract and the total cost of vehicle is not accurately displayed I was told that I had to pay XXXX dollars to receive my car which is a violation of truth and lending act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I received a credit alert today indicating a new account has been reported on my credit report. Upon checking my credit report, a collection account was placed in my file by Debt Recovery Solutions ( DRS ) with the XXXX credit bureaus indicating I owed {$1200.00}. 

I have never been contacted by DRS about any alleged debt. I have never spoken to anyone from this company and have never received any written or electronic communications. I have not received any type of validation notice stating the name, address of the original creditor, the alleged amount, and given an opportunity to request validation/verification within a prescribed period. This practice of placing unconfirmed and questionable collection accounts without notifying the alleged debtor first and following the FDCPA notice requirements is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear CFPB, I am submitting this complaint because Trans Union will not help me. I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and my recent credit report. I am writing to request that you enforce Trans union to place an immediate block on the following fraudulent information in my credit file within XXXX  days upon receipt of this correspondence. 

Account name : XXXX XXXX XXXX Account number : XXXX Inquiries : name : XXXX  date : XX/XX/XXXX name : XXXX XXXX A XXXX name : XXXX XXXX  XXXX : XX/XX/XXXX name : XXXX  date : XX/XX/XXXX name : XXXX XXXX  XXXX : XX/XX/XXXX name : XXXX date : XX/XX/XXXX name : XXXX XXXX XXXX : XX/XX/XXXX name : XXXX XXXX  XXXX : XX/XX/XXXX I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my Trans union credit file. As you can see in my credit reports XXXX and XXXX have deleted and blocked this fraudulent account that was opened in my name. In fact, I did not send a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per section 605B where it requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher of that information And also sections 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file. 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 2023-03-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: NY

Complaint narrative:
This account I already have a CFPB dispute opened which is XXXX XXXXXXXX XXXX XXXX Account Number XXXX  XXXX XXXX  {$32000.00} continues wrongfully report inaccurate information. Not only they are reporting to credit bureaus wrong but they adding another company XXXX XXXX Its showing that this account opened and I missed a payments but how this is possible if its charges off. Plus the dispute is still being investigated. So again I do not recognize the account the way its reporting to all three major credit agencies XXXX, XXXX, & TransUnion it does not meet the fair credit reporting act regulations. The payment status, the payment history, the past due balance, current balance, date opened, date last active,, the date of first delinquency are not correct and in some instances they are completely missing. How is this accurate reporting? I am demanding for this to be removed and reflect it in the proper picture on my credit report worthiness. All three major credit bureaus are supposed to protect my information pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information currently I made multiple disputes with all three credit agencies regarding this account. My rights as a consumer are being violated under multiple laws 15 U.S. Code 1666b Timing of payments 15 U.S. Code 1681i ( 5 ) removal of inaccurate/ invalidated credit information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681e - Compliance procedures removed this account immediately off my report. PS this is more proof that my information is getting share without my permission and its inaccurate information. Now I feel like I am being targeted by this company because of my race and that I disputed something that is not right on credit profile they continue to break my rights please can this be removed permanently off all reporting agencies including TransUnion, XXXX, XXXX, & XXXX XXXX. Someone needs to be handled responsible for this careless, irresponsible, & racism act.

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 2023-03-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This account I already have a CFPB dispute opened which is XXXX XXXX XXXX XXXX Account Number xxxxxxxx XXXX XXXX  {$32000.00} continues wrongfully report inaccurate information. Not only they are reporting to credit bureaus wrong but they adding another company XXXX XXXX. Its showing that this account opened and I missed a payments but how this is possible if its charges off. Plus the dispute is still being investigated. So again I do not recognize the account the way its reporting to all three major credit agencies XXXX, Equifax, & XXXX it does not meet the fair credit reporting act regulations. The payment status, the payment history, the past due balance, current balance, date opened, date last active,, the date of first delinquency are not correct and in some instances they are completely missing. How is this accurate reporting? I am demanding for this to be removed and reflect it in the proper picture on my credit report worthiness. All three major credit bureaus are supposed to protect my information pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information currently I made multiple disputes with all three credit agencies regarding this account. My rights as a consumer are being violated under multiple laws 15 U.S. Code 1666b Timing of payments 15 U.S. Code 1681i ( 5 ) removal of inaccurate/ invalidated credit information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681e - Compliance procedures removed this account immediately off my report. PS this is more proof that my information is getting share without my permission and its inaccurate information. Now I feel like I am being targeted by this company because of my race and that I disputed something that is not right on credit profile they continue to break my rights please can this be removed permanently off all reporting agencies including XXXX, Equifax, XXXX, & XXXX XXXX. Someone needs to be handled responsible for this careless, irresponsible, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I as a consumer have the right to privacy and Designed Receivable Solution has violated my right to privacy by furnishing private credit information under my name, without my written consent, or without authorization by a competent court, having jurisdiction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
In accordance with the fair credit reporting act mr. Cooper account XXXX XXXXXXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I filed a dispute to the three credit bureaus about a bankruptcy REF XXXX XXXXXXXX being reported on my file and all the agencies responded that they validated the information with court. So, I wrote the court and asked them how they validate information being reported to the credit bureaus and their response was, ( we do not report to any case information to credit bureaus ). See attached response. So either all three credit bureaus made a clerical error in their response to me, or they simply lied to me. Either way, the reporting requirements do not comply with FCRA 611 ( 15 USC & 1616811 ) Nor do they comply with ( 15 USC 1681e ) Compliance Procedures for ( Maximum Possible Accuracy ). Therefore they must delete the information immediately.

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 2023-03-29 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I filed a dispute to the three credit bureaus about a bankruptcy REF XXXX XXXXXXXX being reported on my file and all the agencies responded that they validated the information with court. So, I wrote the court and asked them how they validate information being reported to the credit bureaus and their response was, ( we do not report to any case information to credit bureaus ). See attached response. So either all three credit bureaus made a clerical error in their response to me, or they simply lied to me. Either way, the reporting requirements do not comply with FCRA 611 ( 15 USC & 1616811 ) Nor do they comply with ( 15 USC 1681e ) Compliance Procedures for ( Maximum Possible Accuracy ). Therefore they must delete the information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am writing to express my extreme dissatisfaction in how Cash app have not tried to assist me with an issue i had. My account was locked, and I was unable to access my funds while I was in an emergency situation. Despite repeated attempts to contact the customer support team, I have received no satisfactory response or explanation as to why my account was locked. They kept repeating that I had to reach my weekly limit. Furthermore, when I attempted to calculate my limits per week by adding up all my transactions, which came to a total of {$150.00}, I discovered that I had a remaining balance of {$7300.00}, well within the limit of {$7500.00}. Despite this, my account had remained locked. I have attempted to reach out to the customer support team via chat and the mailing system, but the responses I received were inadequate and did not provide any information as to why my account was locked at a time of need. When I called the customer support team, they could not answer my question and I was disconnected on purpose. Than i wrote XXXX about my experience and again they never answered my problem ( Complaint ID # XXXX ). This level of service is unacceptable, and I demand an immediate resolution. I require a detailed explanation as to why my account was locked and why no one could or was willing to answer my issue. I have the chats to prove that they never gave an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
We had a mortgage with Wells Fargo in 2008. We applied for modification. I called every week to check status. Finally a lady told us your house was foreclosed and sold!!! We were flabbergasted! We never received any notice or information. We went to an attorney who said we could sue for loss of our home, but then they could call the loan ( XXXX ) and did we have that amount? Of course not! So our home with XXXXXXXX XXXX was foreclosed and sold in error and I want restitution!! They foreclosed our mortgage in error and government paid them the FHA. 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 2023-03-29 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this Creditor ( Credit Acceptance Corp ) ( XXXX XXXXXXXX XXXX XXXX has Violated my rights under the 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I was shopping for a new car and my credit was pulled without my authorization. 
I ask the companies to prove that I authorized a credit inquiry and request that it notify the major credit bureaus. which has not happened, so I then disputed the credit bureaus, and all items are still appearing on my credit report. 

XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXXXXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXXXXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX HARD XXXX XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX SANTANDER XXXX HARD XXXX XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX  HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX SANTANDER XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX HARD Reported XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I was shopping for a new car and my credit was pulled without my authorization. 
I ask the companies to prove that I authorized a credit inquiry and request that it notify the major credit bureaus. which has not happened, so I then disputed the credit bureaus, and all items are still appearing on my credit report. 

XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXXXXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXXXXXX HARD XXXX XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD XXXX XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  HARD Reported XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
I asked Cash App to provide me with the total amount of XXXX purchases and sales ( in aggregate ) on my account. They did not provide this information and explained to me it is not available. I need to be able to understand this information in order to buy and sell the cryptocurrency they offer on their platform.

Company response to consumer: Closed with explanation