vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am filing a complaint with capital one because I was treated very unfairly by them and my account was closed against my will without a proper reasoning. I also experienced XXXX and was called a XXXX and hung up on by one of the senior account managers who seemed to not want to be dealing with my concern. 

I was sick in hospital with XXXX XXXXXXXX to an apartment I had just moved in, and it had gotten so bad I was hospitalized for days and I had lost control of my finances and I had my sister taking care of things regarding my credit card checkings savings etc I come back from dealing with insane sickness and XXXX of my UP TO DATE credit cards are closed due to alleged abusive behavior. When I was inquiring about what went on when I was away and who they spoke to because I was not accessing my account I was told they couldnt tell me and that a letter had been mailed to an address in which I dont live at anymore because of how sick I became while living there. 

I am distraught that I have been treated this way by a bank who I once felt truly valued me as a loyal customer. 

I want my checkings and savings account back, I was unfairly exiled from Capital One I feel due to XXXX and because of the state of my health. I was discriminated against and my information was compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
on XX/XX/24 I send transunion a letter requesting them to do a reinvestigation of incorrect information of accounts and to remove them. on XX/XX/24 transunion sent me a letter stating they wont reinvestigation because the letter not from me, yes the letter came from me no 3 party I want transunion to stop sending me stall letters

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 2024-05-11 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: GA

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 2024-05-11 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 2024-05-11 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: Nelnet, Inc.
State: TX

Complaint narrative:
DEPT ED NELNET XX/XX/year> {$4300.00} ; {$1900.00} ; {$1900.00} ; {$1300.00} ; {$1300.00} ; {$1200.00} The original instrument of indebtedness in its original form. There is no original contract or no original ink signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: GA

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. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-05-11 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: GA

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. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 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 2024-05-11 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: GA

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. 

Account Name : XXXX XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXX Account Number : XXXX and list of Inquiries. 

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 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 2024-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
First of all Wells Fargo is an excellent financial institution. I have been banking there for at least XXXX years I thinK. On XX/XX/XXXX or XXXX I received notice that the bank " found inaccurate info and or missing info required to comply with federal anti-laundering laws to protect your account from fraud and other criminal activity. '' Wells Fargo is asking me to come to a nerby branch in order to provide proof of address verification. What prompted their action is my change of address from my brothers house to a mail service organization called Traveling Mailbox. Prior to that my brother was handling my mail for almost XXXX years while I was living in the XXXX. ( His address is XXXX -- -- XXXX XXXX My brother is XXXX year older however his wife has major XXXX XXXX so I no longer wanted to burden him with my stuff and so I opt for this service after watching many XXXX channels related to these issues. Because I had planned to move to XXXX in late XXXX due to the higher cost of living in the XXXX. I opted for this service and while visiting a friend in XXXX i purchased a phone in order to receive authorization codes so my phone number changed which was my brothers. I needed to take him out of the loop. I went through XXXX and the phone worked while in USA but since arriving in XXXX it is XXXX so Now the bank is asking me to come back to the USA to clarify my status Which I will have a Rental agreement here in XXXX but the expense of that rather then sending a copy seems more reasoable. You can look at all my financiial affairs. I am not hiding anything. I would be living on the streeets if I was back in the great USA. I love my country so why would they want to have another burden. I don't take XXXX and I am not a burden to my country. Why would the federal goverment treat me as a threat or jerk. I am not stealing or robbing to eat... I havent hurt anyone. Why treat your good citizen like criminals. I am sorry for my rambling but this is what old men do. All I want is peace. I may not deserve it. There are many that has it much worst than myself both in the USA, and XXXX and the XXXX. If I have to fly can it be solved in a california Wells Fargo. I dont do well in traveling but I really want my account with Wells Fargo to remain open, They have provided excellent service so why rock the boat. I have trouble remembering new stuff so its important mentally for me to stick to what works. i am sorry, I didn't know about these rules. I did not intentionally try to deceive the bank. It was an honest mistake. Please forgive me. OKAY... I was just thinkng, just call me " The Rambling Man '' ... funny ..Respectfully 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 2024-05-11 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payment on XXXX  XXXX XXXX that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/23 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-11 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: NC

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. Account name : XXXX XXXX XXXX  # XXXX Original creditor : XXXX XXXX Date opened : XX/XX/XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 XXXX 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 2024-05-11 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: GA

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
On the XX/XX/year> me and my wife were sold a new car in which the contract was signed and we left with the vehicle. On or about XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX called and said we have to return the vehicle because the deal did not go through with XXXX  XXXX and that they'd need an additional {$7000.00} on top of the {$4000.00} we'd already put down in order for the deal to get done. I told him that would not happen, and that we would not be returning anything because we already had a signed contract. he stated he'd lose too much money if he did the deal with XXXX XXXX and I told him to drop the XXXX and he stated that if we did not get the XXXX  he would not sell us the vehicle.I also told him that we Initially offered {$1500.00} as a down payment and that they said they presented that to XXXX  XXXX and that XXXX XXXX said that they needed either XXXX or XXXX in order to get the deal done and that if I meet those terms his employee said they'd throw in the XXXX Insurance for free. I told them I'd do XXXX as my XXXX. He left and when he returned he congratulated us and said the deal was done and as soon as we get insurance we were good to go. we paid the down payment of {$4000.00} and got insurance, my wife signed the documents and we left with the vehicle. XXXX asked us a day or XXXX later to come back to Texas because he'd gotten Finance on the same term and at the same rate. We returned and electronically signed some documents. We just learned that Pages were missing from the Original Contract and that XXXX XXXX acting as an Agent for Consumer Portfolio Services FORGED me and my wife SIGNATURE on the document agreeing to Purchase XXXX. I presented this to CPS Consumer Portfolio Services and they said it had to have Happened at the dealership. I told them that the dealership was representing CPS. CPS told me to file a police report and that we'd go from their. I went to the dealership and the Finance Manager told me that if they'd wanted to they could've just kept my down payment and took the car. I even showed the finance Manager the forged Documents and he said that maybe we signed them later and I pointed out that they were Time and Date stamped by the Computer so that is impossible for us to had signed them later. Someone forged our Signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: GA

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 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