vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: FL

Complaint narrative:
I disputed the accounts multiple times and have yet to receive any proof of the account belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have communicated to Capital One that my checking account has been charged by XXXX XXXX XXXX fraudulently and they are failing to investigate this thoroughly claiming that there is a 90 day window that has surpassed. There is potentially a felony that has been committed here, and I have expressed this to my bank and they still remain their position that theres nothing that they can do because 90 days have surpassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with House Joint Resolution 192, all debts have been paid in full, and I believe the charge-off and late payments should not be reported on my credit file. The continued reporting of this charge-off and late payments is causing damages to my creditworthiness, and I request their removal to mitigate these adverse effects. Alternatively, I may seek damages for any harm caused.

I kindly request that you review the details of my account and verify the payment of the said debt. If necessary, I am prepared to provide documentation supporting the settlement for less than the full balance amount. As per the regulations outlined in HJR 192, any offset debt that has been settled should not negatively impact 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 2024-02-01 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-01 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my 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 2024-02-01 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: IN

Complaint narrative:
From what I know, as per FCRA 605B, wrongly reported accounts should be removed from credit reports. I'm not sure about the details, but please examine the accounts in the documents. They're reported incorrectly on my credit, and it's making me upset. I really need your assistance.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had someone that who I didn't I didn't talk to in months. She used my information to get something online at best buy on XX/XX/2023.

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 2024-02-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MN

Complaint narrative:
I have a number of Vanilla brand Visa Gift Cards that were puchased in XXXX of XXXX and XXXX of XXXX. The ones I've tried to spend at retail stores have all failed. When I check the balances on the cards, it shows their full balance is available, but no matter what store I try to use the cards at, it fails to authorize the purchase. This even happens when trying to spend much less than the balance on the card ( e.g. a XXXX purchase on a XXXX balance card ). I've tried this with multiple cards over multiple days and keep getting the same result where the transaction is declined. Their website says to try using the card at a different merchant, but when I do that it still gets declined ( both in-store and online ). 

It appears this is widespread, as I'm reading about other people having the same problems. Is Vanilla doing this intentionally? The pack the card came in says " Card may be used in the US and District of Columbia everywhere Visa debit cards are accepted, '' but clearly they're not honoring that. They have effectively stolen the funds on all of these cards from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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:
I, XXXX XXXX XXXX, federally protected consumer, has placed numerous complaints with Equifax , Inc throughout the year via CFPB about the inaccurate reporting of non-public information. As a federally protected consumer, I have a right to privacy. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation. 
I would like to be clear my dispute is not about verification and/or ownership of the account. It is about the sharing of my non public, personal information to my consumer report. 
The Fair Credit Reporting Act states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report ( FCRA Sec 603 ( d ) ( 2 ) ( a ) ( i ) ) Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Opt Out Confirmation ( s ) Passport Card ( Identification ) CAF Notice, Power Of Attorney, Fee Schedule

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I disputed the accounts multiple times and have yet to receive any proof of the account belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
See attached XX/XX/XXXX full and complete complaint of a missed payment by XXXX causing a missed payment by Nationstar to be claimed XXXX XXXX XXXX aside from the unresolved error correction of Nationstar 's claim that on XXXX XXXX XXXXXX/XX/XXXX Nationstar allocated {$11000.00} to late fee payments in lines XXXX as a false damaging claim when Nationstar did not have this amount to ever allocate. Nationstar uses detail reports to conceal what is actually allocated within the mortgage file in the internal system. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I asked on XX/XX/XXXX at XXXX that they stop calling me. They called again on XX/XX/24 at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: TX

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher peoples information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed 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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Hi In XXXX  my American Express card was cancelled and I had a balance of around XXXX and since then I have been paying around XXXX to XXXX dollars a month which the min. payment balance. I have paid the balance or close to it maybe exceeding it. I am scraping by with my social security check going to pay for my rent and food. I explained it to them but they dont care that said I owe them XXXX in interest. Even tough they got the balance that was owed they want to suck every dime I have in interest

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XX/XX/24 there were multiple charges made from account at around XXXX. I did not make them so I called chase to inform them and make a claim. They denied my claim even though I have a text message from chase about a fraud alert. It was a total of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Veripro Solutions Inc.
State: MA

Complaint narrative:
I had XXXX mortgage. Then I did loan modification XXXX years ago. I thought it included both mortgages. Never received any note stating I owe a XXXX mortgage Till now from a collection agency stating I owe a huge amount plus interest. Totalling XXXX Try to get legal help to get advise in what to do. I was told not to talk to the collection agency till I talk to a lawyer. But don't have the money to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is a unique situation concerning the illegal release of my bank records/statements to a third party. 
On XX/XX/XXXX, I received three XXXX XXXXXXXX envelopes from my bank, Wells Fargo. 
The contents of each envelope had a subpoena in them issued from XXXX XXXX, Illinois. The subpoenas named a plaintiff : XXXX XXXX, Defendant : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. The subpoenas were sent to Wells Fargo from XXXX. XXXX XXXX. 
MY NAME WAS NOWHERE ON THE SUBPOENAS. 
I do not have any affiliation with the named defendant : XXXX XXXXXXXX XXXX XXXX, XXXX and was informed by a Detective that I made a complaint with that it is an address for a parking garage in Florida. I am a homeowner in Florida and the Plaintiff : XXXX XXXX lives in XXXX XXXX, Illinois. as does his corrupt Atty., XXXX XXXX. 
The third page that was with the subpoena did not have an official seal, court signature ; however, it was a typed request for three years of my banking statements from each account : 2 Business, LLC checking accounts, 1 personal checking account. 
This information was requested from my bank in XXXX and my banking records were sent to XXXX XXXXXXXX XXXX in XXXX. 
Again, I was not notified until XXXX by Wells Fargo that they sent out my banking statements. 
I have a restraining order against Plaintiff : XXXX XXXX who now has all my information. 
I have called Wells Fargo many times, went into the bank to speak with a manager. At no time are they cooperating with me regrading my complaint. 
Wells Fargo did not contact me regarding this fraudulent subpoena. I have called a dozen of times to speak with XXXX XXXX of the Summons and Subpoena Dept in Wells Fargo and, I am unable to contact her or get a return call within 48 hrs. of my complaint. 
XXXX XXXX is repetitive felon, his XXXX XXXXXXXX XXXX lost his license to practice law for two years in XXXX for corruption in XXXX XXXX, Illinois court system. 
These are the two Criminals that Wells Fargo release my banking information to. 
Wells Fargo did not protect the Privacy, Security, Integrity of my bank accounts and need to be held liable. 

* The envelope with the subpoenas came from Wells Fargo Summons and Subpoena Dept. XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Operations Manager I was informed by Wells Fargo XXXX XXXX from this department handled my case. 
Bank Reference # XXXX XXXX XXXX, Illinois XXXX XXXXXXXX XXXX XXXX Case No. XXXX XXXX ( see subpoenas attached )

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 2024-02-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have been on hold for hours and have called multiple customer service lines only for the customer service rep to not understand my complaint or the situation that is occurring. Also the customer service reps are obviously non-native XXXX speakers which isn't an issue but it is frustrating when I can not understand them and they can not understand me. AMEX claims that this card can be used anywhere and I tried to use it at an authorized retailer ( walmart.com ). AMEX is accepted at XXXX and XXXX. I am trying to purchase a bedframe for {$150.00}. The remaining balance on the gift card is {$940.00} so there should be no problem at all to use the card since the balance exceeds the purchase amount. It is very frustrating that I receive this gift card for all my hard work and that I can not even use it at most places even when amex has posted on their website that XXXX is an authorized retailer. Customer service reps continue to transfer me to different departments and hanging up on me and none of them seem to know the correct answer or how to help me. Then they asked for my email address and physical address which I provided since that was another " security verification step '' that was needed even though I have never had to do that with a gift card before. I have also called XXXX multiple times and they say that the problem is with Amex. I call Amex and they say the problem is with XXXX. So no one seems to know who is at fault or how to help me. They want me to use a different form of payment but that is literally the reason I got the gift card so that I could use on this purchase!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: NEW YORK COMMUNITY BANCORP INC
State: OR

Complaint narrative:
I'm trying to speak to someone at Flagstar Bank in order to address my inability to pay my line of credit. I am able to make my mortgage payment but the interest rate on the line of credit is so high the payment on the loan is more then the payment on my house. I can't continue to pay both. Either need to combine or re structure. I have recently seperated and now make large payments to my ex wife. The funds that go to her replace the funds used to pay the line of credit

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 2024-02-01 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: AR

Complaint narrative:
Fraudulent account reporting to my credit report. Please remove it

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 2024-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NM

Complaint narrative:
Money sent to my account from unknown sender. When I contacted Chime they stated my account had a negative balance of {XXXX originally and the money sent covered a portion of the balance so it was unable to be transferred back to the sender. I advised that I was unwilling to steal someone else 's money or commit fraud to minimize my negative balance and that the transfer needed to be refunded. They insisted that the transfer was not able to be refunded to the sender. I advised that they would be instructing me to commit fraud and steal money from the sender as it was not meant for me and they said it was not fraud that the money covered my negative balance. I requested two supervisors and all of these people stated the exact same thing. When I advised I would be filing complaints with the FTC and Attorney General and CFPB they said I was allowed to do what I wanted. I asked if they were aware of who these entities were and they all said no. This was an outsourced call center in a foreign country clearly unaware of their instructions ramifications. XXXX XXXX XXXX XXXX XXXX for over 10 years and have never heard of instructing customers to keep money from an unknown source despite a negative balance.

Company response to consumer: Closed with explanation