vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is not the first time this happens. I call in to make a payment ( because they no longer allow me to access my account online ). Multiples calls ; multiple days, same result after 2-4 minutes of waiting after being " transferred to someone that can help with my request. '' XX/XX/24 XXXX x XXXX XXXX XXXX mins XXXX seconds and XXXX XXXX minutes XXXX seconds XXXX XXXX pm XXXX minutes XXXX seconds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: NY

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : account name XXXX account number XXXX Accont name XXXX  account number XXXX Account name XXXX XXXX XXXXXXXXaccount number XXXX Account name : XXXX XXXX account number. XXXX. Account name XXXX account number XXXX Account name XXXX XXXX account number XXXX Account name XXXX XXXX account number XXXX XXXX XXXX XXXX  XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prince Parker & Associates
State: NV

Complaint narrative:
The date of the letters is XXXX, the account number on the document is XXXX and the alleged amount owed is XXXX. 
I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws ( 12 CFR Part 1006 - PART 1006 / 15 U.S. Code 1692g ). If you need to please contact the creditor to obtain verification of this alleged debt.

Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute.

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 2024-04-22 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: PA

Complaint narrative:
Hello, I am writing to have the following information in my file deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IN

Complaint narrative:
Hunter Warfield of XXXX, FL, reached out to me in XX/XX/year> regarding a supposed debt totaling {$100.00}. After conducting thorough research, I politely requested verification of the debt via mail. 

Upon receipt of the verification letter on XX/XX/year>, I found enclosed an invoice-style document from one company and segments of a contract ( which I had previously signed ) from another company. Curious about the connection between these entities and their authority to issue an invoice, I reached out to a representative from Hunter Warfield for clarification. 

Unfortunately, the conversation did not yield the clarity I sought, as the employee 's response was difficult to understand and they seemed to mumble. Despite my repeated attempts to clarify and understand, I did not receive a clear explanation. All I understood was that " I have no right to know what contracts, if any, the two companies had signed between each other ''. 

It also remains unclear whether the company I have a contract with will try and/or is able to send me a second invoice in the future as I do not know what sort of agreement the two companies have. 

It appears that the validation of the debt remains uncertain, and I believe any impartial third party presented with the same documentation would share this sentiment. 

When I expressed that the verification of the debt was not satisfactory, they offered to settle the debt through one of my credit accounts ( which were named by the representative ). I rejected and I was informed that further assistance could not be provided, and the debt would stay in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX I asked Wells Fargo to increase the time of my loan so they could lower my monthly payments I asked for an extra 15 years they added 40 years I did not agree to that so I have been paying a lot on interest instead of the principal I should have my house paid off in XXXX but now they said XXXX and then they sold my mortgage to XXXX XXXX with the same terms

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 2024-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I was in the XXXX in XXXX ( from XXXX to XXXX ) on a XXXX XXXX, Work and travel program. During this period I applied for XXXX because my employer said so. After the program ended - I returned to my country, XXXX. Now I am in the U.S. on a XXXX XXXX  in the status of XXXX, because there is a war in my country. I returned to the USA on XX/XX/XXXX. 

After that I received letters from debt collectors about existing debts, I disputed them and they closed those debts. 
After that I installed the credit karma app and there I found XXXX more debts under my name that are not mine. XXXX I had already disputed and was left with a debt from Spring oaks capital llc collectors for {$9200.00} which was opened on XX/XX/XXXX. I couldn't open it because I wasn't even in the US at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Orions Management Group, LLC
State: NJ

Complaint narrative:
This company has the wrong amount owed on my credit report but in this CFPB complaint and letter response they say I owe XXXX thats not the amount on my report. My report states XXXX. So whats the amount you claim I owe. It cant be both.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX, I traveled to XXXX. My car is in California ; I did not rent a car and instead used XXXX  and XXXX exclusively. 

Capital One cleared a charge for {$550.00} to a merchant named " XXXXXXXX XXXX XXXX '' at XXXX, MD XXXX US. I did not make this charge. 

I called, and Capital One initially removed the charge the reinstated it. They insist that because the charge was made with a chip or something, that they're going to clear it no matter what. 

The thing is -- and they admit this -- this charge occurred shortly after a charge at a food truck. That food truck is in downtown XXXX  in walking distance of the XXXX XXXX and XXXX XXXX. I did buy the sandwich at the food truck. 

The claim that the fact I couldn't get from downtown XXXX  to XXXX MD in that period of time is additionally irrelevant. 


Information : XXXX XXXX XXXX gives the address : XXXX XXXX XXXX, XXXX, MD XXXX Attached : docs from Capital One pertaining to this. 

XXXX XXXX, noting the time of the text re : the charge. 
XXXX, my XXXX ride from the airport to downtown XXXX  where I stored my suitcase, arriving XXXX. This ride cost {$100.00} ; needless to say, I wasn't driving off to random cities ( with the car I didn't have ), to go shopping at an auto store. 
XXXX, my museum admission ticket in XXXX  for XXXX  photo XXXX, last photo inside museum, date stamped XXXX. 
XXXX XXXXXXXX, in the XXXX XXXX, date stamped XXXX I believe the charge was at XXXX, as per the text messages, but Capital One hasn't been clear on whether it was XXXX or XXXX ( possibly my phone didn't reset the time zone from PST -> EST correctly? Not sure ; I flew in from California on a red eye, landing that Monday morning. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: NY

Complaint narrative:
Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my 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 non-monetary relief
Consumer complaint received 2024-04-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-22 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: KY

Complaint narrative:
I checked my Consumer Reports and noticed that I had a late payment on an account that I was never late on. Consumer Reports agencies have taken on a vital role and are responsible for reporting Accuracy I have never been late on account payments ( XXXX XXXX number XXXX I demand that these payments be updated on time as they should as I have NEVER been late late. Thanks Consumer information the best you can with Maximum

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 2024-04-22 00:00:00
Product: Mortgage — FHA 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint piggybacks on prior complaint I filed here on XX/XX/XXXX. I received XXXX letters from BofA telling to call them right away as they wanted to assist me in bringing my account current. So I called BofA NUMEROUS times today, and I spoke with XXXX different customer relationship managers, XXXX XXXX and XXXX XXXX and both of them told me that they could not speak with me anymore because my account is in litigation. The thing is that if I don't take care of my account BEFORE XX/XX/1924, all hope is lost and I will be out of on the streets. I am XXXX and XXXX. I won't survive the streets. Please help.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding inaccuracies in my credit report. Despite numerous attempts to rectify these errors, I have yet to see any updates reflecting the correct information. 

Firstly, I have consistently provided my current address as XXXX XXXX XXXX, XXXX, TX XXXX. However, it appears that this information has not been updated in your records. I reiterate that this address has always been my place of residence. 

Furthermore, I must emphasize that I do not have any employer, yet your report lists a company as such. It is imperative that this erroneous information be removed promptly. 

Upon thorough inspection of my credit report, I have identified several discrepancies that require immediate attention : My full name is XXXX XXXX XXXX, and I request that this be the only name listed on my report. Please remove any other names, including misspellings, as they are inaccurate. 

My date of birth is reported incorrectly. The correct date of birth is [ Month, Day, Year ] : XX/XX/1993. 

In addition, my current address remains incorrectly listed. It should be updated to reflect XXXX XXXX XXXX XXXX, TX XXXX. Any other addresses listed are undeliverable, and I have no affiliation with them. 

I have diligently submitted disputes regarding these errors, yet they persist. It is imperative that these inaccuracies are rectified to ensure the integrity of my credit report. 

I kindly request that you FIX these matters promptly and provide confirmation once the necessary corrections have been made. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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:
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: 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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
I had put XXXX $ on my SoFi card I went to take out some money my account say it was restricted I uploaded my id many time call them to get a answer when is the money going to be available SoFi agent as been laughing at me during this hang me out for 4 days until now I cant get my money cant tell me when is my money going to be available. I see they making people upset Example of what they are doin look at the old man that killed the XXXX driver same thing SoFi doing by playing with costomer on the phone laughing when we try to get our money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute unauthorized entries on my credit report that I believe are the result of identity theft. I have not authorized or opened the accounts listed below, and I request their immediate removal to ensure the accuracy of my credit information. 
Please find the specific items that need to be addressed : XXXX XXXX XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4600.00} [ ] I have reported this identity theft to the Federal Trade Commission ( FTC ) and am including copies of the FTC Identity Theft Affidavit along with this letter as evidence supporting my claim. Based on this documentation and the rights afforded to me under the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent entries be deleted from my credit report as promptly as possible. 
Thank you for your attention to this matter. I look forward to your swift response to confirm the removal of these items. 


Thank you for your assistance. 


Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2024-04-22 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: NJ

Complaint narrative:
My information was disclosed to a third party without my permissible purpose! 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, XXXX XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!

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