vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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: CA

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry 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 explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Unbeknown to me, Capital One froze my checking account. This prevented me from withdrawing or depositing funds. Direct deposit from my employer was lost. Payments to creditors were missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have voluntary turned this vehicle over maybe twenty years ( 2 ) ago and the Capital One is attempting to get more funds from me. My account XXXX XXXX I've received threatening phone calls, over and over, again. I am a XXXX citizen and the person calling won't even allow me to talk.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I am writing to formally request the discharge of all of my student loans held by XXXX  due to the company 's deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. I was misled and for this reason, I have encountered debt and a hardship. 
I am suffering with a financial burden and would like to have all my XXXX  loans forgiven. 

XXXX has a history of this type of behavior and has repeatedly encouraged me to enter forbearance. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: FL

Complaint narrative:
These accounts are no longer open, and their presence is affecting my credit profile negatively. Despite being in good standing, they remain on my report, and I have been unable to get Experian to delete them after several attempts. 

Below are the details of the accounts I am requesting to be removed : XXXX XXXX XXXX XXXX  XXXX opened : XX/XX/year>, Status : Paid, Closed/Never late. 
XXXX XXXX XXXX Date opened : XX/XX/year>, Status : Paid, Closed/Never late. 
XXXX XXXX XXXX XXXX  Date opened : XX/XX/year>, Status : Paid, Closed/Never late. 
XXXX XXXX Date opened XXXX XX/XX/year>, Status : Paid, Closed/Never late. 

Although these accounts were in good standing and fully paid, their continued presence on my credit report as closed accounts is unjustified and is adversely affecting my credit score. I kindly request your intervention to have Experian remove these closed accounts from my credit report to ensure accuracy and fairness in my credit profile.

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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 2024-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
We decided to use Wells Fargo for our conventional home loan. Everything was going well and all of sudden it became very difficult to receive responses from the loan advisor. We ended up missing closing due to lack of communication. Throughout most of the process we were not asked for much, then all of a sudden during the final week we began to receive urgent calls and emails from the lender because we had certain tasks that needed to be completed. We ended up missing the closing of our new home at which point the loan advisor simply stopped responding to everyone including the attorneys, agents, and everyone involved. I was advised that we would still more than likely be able to close, but that certain requirements were needed. It seems as though I receive a task and then I don't hear back for a few days after I complete the task. I have sent multiple emails and calls that are usually answered sometimes days later and no real solution is brought up. The most recent call involved us paying off {$16000.00} in credit card debt which I had no issue doing, after that conversation, my emails and calls were all ignored. I am simply frustrated because we are complying with everything that is being asked of us and then soon after being ignored. If we do not qualify for the loan, that is fine but some communication would be nice. We are on the verge of being homeless because we have not been able to figure out or next step and our loan advisor does not seem to care. We went with a big bank because we thought they would be more professional and it turned out to be our biggest mistake.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Requested original contract between myself and the company. No compliance from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: WA

Complaint narrative:
I disputed with the credit report company Transunion to update my credit but unfortunately I have been told the informations are correct and give me your number and your website I would like you to remove the fraudulent report on my credit report Sincerely thanks.

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 2024-10-17 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: GA

Complaint narrative:
I need your assistance with the incorrect account appearing on my credit report. This issue has affected my reputation as a customer, and I am asking for your help. These accounts are being reported unfairly, and I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I reached out to credit Acceptance Corp regarding a account they placed on my credit report years ago. I have consistently requested they remove the information on my report as they have never issued me a loan. I have requested validation from Credit Acceptance Corp. I have sent certified letter with return receipt, and they don't reply. Instead the violated another law and report me late on a account that is not mine, gas never had one single recorded payment in 6 years. The account doesn't have a single late fee showing its not a real account. I was preparing my lawsuit when I came across stories of other consumers such as myself who had similar experiences with Credit Acceptance Corp not only are they habitual offenders of federal laws and discrimination but the CFPB also had to file a lawsuit against Credit Acceptance CorpXXXX On XX/XX/year>, the Consumer Financial Protection Bureau and the New York State Attorney Generals Office announced the filing of a complaint against Credit Acceptance . The lawsuit alleged that Credit Acceptance, a subprime auto lender, hid the true costs of its borrowings, used aggressive debt-collection tactics, and violated New York usury laws on interest-rate limits and other investor-protection laws. I'm requesting the CFPB have Credit Acceptance Corp remove this slanderous account from all credit reporting agencies, as it has cost me great financial loss and emotional distress. 
I'm also asking the CFPB for financial help from the victims fund. Please find my attached written requested sent to Credit Acceptance Corp certified mail return receipt, as well as my request from XXXX, XXXX, and XXXX also sent certified letter return receipt requested the information be validated or deleted '. All three agencies.

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 2024-10-17 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:
Dispute of Inaccurate Hard Inquiries XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX 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 2024-10-17 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: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
Our mortgage company Mr cooper sent us a letter stating our insurance company must have a grade b or higher, I called our insurance agency XXXX XXXX they told us they had a grade b and resent a copy of our housing insurance policy via mail. We got a second letter stating the same thing, this time we used there portal to provide proof of insurance and had our insurance company fax proof of insurance. We heard nothing for a few weeks and assumed the issue had been sorted. 1 week after our insurance date lapsed our insurer informed us they still hadnt paid and we would go uncovered if we didnt pay by the end of the month. After hours of phone trees I finally got ahold of a Mr cooper representative to informed me they actually require a b+ rating and they would not pay our insurer. I found new insurance as quickly as possible and got it going again but now our mortgage company is trying to charge us for carry over insurance XXXX. During that time we had coverage which they failed to accept but it was only an issue because they sent us faulty information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
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 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 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I filed a fraud claim with JP Morgan Chase. The company denied the claim and when I asked for the reason they said " it does not look like the fraud we normally see ''. I asked if they had proof that I authorized someone else to use my card and the representative said " no ''. 

I sent in the appeal letter but still not giving any specific reasons. I've filed my police report as well. No resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to formally submit a complaint against PayPal and Synchrony Bank regarding my ongoing issues with a PayPal credit card that I opened in XX/XX/XXXX. 

Upon receiving and activating the card, I encountered persistent issues where all my attempted transactions were declined. Shortly thereafter, I began noticing unauthorized charges on my account. I promptly reported these fraudulent activities, leading to the issuance of several replacement cards ; however, the unauthorized charges were never resolved, and PayPal continued to pursue me for the outstanding balance. 

As of today, XX/XX/XXXX, the total of these unrecognized charges has escalated to {$10000.00}. Despite my repeated attempts to clarify this situation with both PayPal and Synchrony Bank, I have received inconsistent information. I possess a letter from Synchrony dated XX/XX/XXXX, confirming that my credit card account has been closed and that credit bureaus have been notified. Yet, I have just received another statement from XXXX dated XX/XX/XXXX, indicating a balance of {$10000.00}. 

This matter has now become particularly distressing, as the unpaid balance is negatively affecting my credit score. I am being held accountable for charges related to a card I could not use and attempted to close. It is deeply frustrating to be caught in this situation, especially when it appears that I have taken all necessary steps to resolve it.

I respectfully request your assistance in addressing this matter and ensuring that PayPal and Synchrony Bank fulfill their responsibilities to rectify the unauthorized charges and provide accurate information regarding my account status.

Thank you for your attention to this pressing issue.

Sincerely,

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 2024-10-17 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:
Informed them that I have been the victim of fraud. They tell me to contact the people who inquired directly to find out why they pulled my credit. I told them that after being informed that this is fraud, they are supposed to help me. I have called numerous times and spoken with many people, they all are giving me the run around and don't know how serious this is. I am asking them to remove all the fraudulent information ( inquiries ) as by the FCRA and that is to remove all incorrect, unauthorized and unverified. from my reports. 

Please remove the following fraudulent inquiries that I did not authorize, nor do I have any business with. 

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 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