vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Consumer Financial Protection Bureau : Subject : Dispute of Charge-Off on Capital One Accounts Dear Consumer Financial Protection Bureau , I am writing to dispute a charge-off listed on my credit report formally. The charge-off pertains to Capital One accounts, which Capital One reports.

I have diligently reviewed my credit report and found discrepancies regarding the charge-off listed. After meticulous examination, I have grounds to believe that the charge-off is inaccurate and unjustified. Below are the details of my dispute : Inaccurate Reporting : The charge-off listed on my credit report inaccurately portrays the account 's status. Per my records and the terms of the original agreement, the account was never in default or charged off by the creditor. 

Lack of Notification : I have not received formal notification from the creditor regarding the alleged charge-off. As a responsible consumer, I expect to be informed of any significant changes in the status of my accounts. 

3. **Documentation** : I request documentation from the creditor validating the accuracy and legitimacy of the charge-off. This documentation should include details of the original agreement, payment history, and any correspondence related to the alleged default. 

4. **Resolution** : I seek a prompt investigation into this matter and request that the charge-off be corrected or removed from my credit report. This action is crucial to ensure the accuracy and fairness of my credit profile.

I kindly request that you investigate this matter per the Fair Credit Reporting Act ( FCRA ). Please inform me of the steps taken and the outcome of the investigation within the timeframe specified by law.

The creditor never sent over a 1099C form regarding the charge-off. 

Thank you for your attention to this matter. I am confident that with your assistance, we can resolve this dispute and ensure the accuracy of my credit report. 

Im asking that all accounts associated with Capital One be deleted immediately. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo paid an insurance premium without my approval. I asked them if they had a document that shows my approval and they could not provide it. 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im a victim of identity theft, I requested for Equifax to investigate the accounts on my credit report that I didnt authorize. The problem is the accounts is still remaining on my credit report after the investigation was completed. Im a victim of Equifax Data Breach and Equifax have done nothing to remove those accounts from my credit report after I have been in contact all form of ways with them. All the accounts need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: NY

Complaint narrative:
Follow upThe negitive iitem XXXXXXXX XXXX  supposed to be removed off my experian report social is XXXX the account is XXXX their a federal trade commision report on file

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to FCRA 605B, it seems necessary to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? The presence of inaccuracies among the listed accounts is unsettling for me.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have these accounts reporting on my EXPERIAN XXXX XXXX CONSUMER 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
According to FCRA XXXX, it seems necessary to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? The presence of inaccuracies among the listed accounts is unsettling for me.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is sending incorrect information to XXXX credit bureau. A month ago I noticed that my XXXX  report was showing my mortgage loan from Bank of america as closed. It was correctly showing open and current at XXXX and XXXX. I asked XXXX to get an update from Bank of America.When they got the update it dropped my credit score at XXXX  from XXXX to XXXX. Meanwhile my score at XXXX was XXXX and my score at XXXX was XXXXMy credit advisor told me that whenever there is a XXXX or more point difference in the credit bureau scores , a bad mistake has been made by the creditor, the agency or both.I believe the mistake was bank of america reporting wrongly to the XXXX  agency that i was presently or previously involved in a XXXX XXXX bankruptcy, and that I had been discharged of any obligation to pay my mortgage debt.This is absolutely wrong. I received aletter from the mortgage company on XXXX stating just that. I called and reminded them that I had signed an affirmation ageement in XXXX, during bankruptcy proceedings, stating I would continue to pay the mortgage as agreed in our original contract.Therefore they had no right to send this incorrect information to XXXX. or any other credit bureau.Their egregious action has plummeted my XXXX credit score without a cause. That wrong information should never have been sent.All they had to do was send in that it is open, it is current, and his payment history shows, never late.I ask the CFPB to convene in this matter on my behalf.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX bank has violated my rights under 15 usc 1681 section 602 I have the right to privacy. 15 usc 60802 part b A financing institution may not disclose non public information to a non affiliate third party. which Spring oaks capital llc now is reporting inaccuracies without my written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This address XXXX XXXX XXXX XXXX NY XXXX is fraudulent and dose not belong on my credit report a lot of new fraudulent accounts are attached to this address

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate 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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
I am writing to file a formal complaint against Harris & Harris , Ltd., for what I believe to be clear violations of the Fair Debt Collection Practices Act ( FDCPA ) in their attempts to collect a supposed debt from me. My concerns are as follows : 1. Violation of Validation Notice Requirements : I received a communication dated XX/XX/year> from Harris & Harris , Ltd., regarding a debt related to a traffic violation. This notice failed to include the mandatory validation notice detailing the amount of the debt, the name of the creditor, and did not inform me of my rights to dispute the debt within a thirty-day period or to request verification of the debt 's validity. 

2. Failure to Include a Tear-Off Dispute Form : In contradiction to the FDCPA 's recent amendments, specifically under 12 C.F.R. 1006.34, the notice did not contain a tear-off dispute form. This form should provide pre-written prompts for disputing the debt and the option to request the name and address of the original creditor, which are critical for ensuring a consumer 's rights are upheld. 

3. Lack of Clarity in the Payment Stub : The payment stub included with Harris & Harris , Ltd. 's notice lacked the necessary clarity and information. This omission could easily mislead a consumer regarding their payment options and rights, directly contravening the FDCPA 's stipulations for clear and non-misleading communication. 

These issues have not only caused me undue stress and confusion but have also led me to question the legitimacy of the debt collection attempt itself. I am therefore requesting a thorough investigation into Harris & Harris , Ltd. 's practices to ensure they align with the FDCPA 's standards. 

Additionally, I seek the cessation of all collection attempts by Harris & Harris , Ltd. until such time as they can verify the debt in question adequately. Should this debt not be verified as per the legal requirements, I request its removal from my records and an official apology from the agency for the distress and inconvenience caused. 

I trust the CFPB will take my concerns seriously and look forward to your swift action in resolving this matter. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 instruc
tions

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 2024-03-11 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: VA

Complaint narrative:
To whom it may concern, this correspondence is being submitted to verify the fact that I, XXXX XXXX, would like to have specific information deleted from my credit report, due to the fact that I have been a victim of identity theft ; The charges in question were not made by me. I am respectfully requesting that these items be permanently removed from my credit report. I have complied with reporting the theft of my identity to the Federal Trade Commission. I also have copies of the Federal Trade Commission 's Identity Theft Affidavit. To review your records. As stated previously I am requesting to have the said Items removed from my credit report in a timely fashion. Thanking you in advance for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/2024 i received a notification via email stating a XXXX XXXX XXXXXXXX card ending in XXXX was unlinked to my cash app. I immediately checked my account and noticed XXXX $ transferred to the XXXX XXXX XXXXXXXX. I instantly contacted cash app support to let them know the transaction was fraudulent and that I DID NOT authorize this transfer. The support team refunded me XXXX $ because the account in fact did not belong to me. But it would take 10 business for them to investigate. A day later, I received an email stating I authorized the charge when I was totally unaware of the transaction. I filed a police report ( incident # XXXX ) and i also emailed them a copy of it but the support told me the decision is final. I use cashapp as my primary bank therefore I cant do a chargeback and I have no money to pay my bills, eat, or even get gas due to this negligence. I really need help in getting an immediate reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from 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 non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OK

Complaint narrative:
On XX/XX/2024 I called Mohella customer service to request information on repayment plans for a 10 year standard as well as IBR which are both eligible for the PSLF program. I was informed by a representative that the 10-year standard repayment takes longer to process up to 100 days compared to an income based payment plan which takes 16 days even though the10-year standard plan does not require much paperwork such as tax information for an AGI as does the XXXX. I requested to speak to supervisor and received a call back an hour later. During my conversation with XXXX ID # XXXX I was provided an amount for the 10-year standard as well as the ICR. By comparing the amount the ICR seems to have been s better option because of a lower monthly payment however when I did the calculation online the amount came out to almost double of what I was quoted which was around {$1200.00} a month. Online the amount for ICR came out to over {$2500.00} and the Standard payment option was for 27 years rather than 10 without any option to change the length of time. I called the call center back at Mohella to speak to representative to obtain accurate information or discuss why there was such a difference from what was quoted via phone by a representative versus the online calculator and did not want to submit a request to only find out later that it was a higher amount. This would only delay the process. I called numerous times and got dropped off and when I did reach a representative I was told that I would be transferred to someone who was more skilled to answers this questions but got hung up on again. I eventually reached a rep named XXXX who I was on the phone with all afternoon only to find out that she did not know the reason why the amounts were different and I would need to speak to a supervisor at a resolution call center to obtain accurate information. We waited for over three hours and eventually she told me I would receive a call back ( true ) and could pick a time for a call back ( false ). She transferred me to an automated system and before I could input in my phone number the call was dropped. I am beyond frustrated how these student loans are being handled and the inaccurate information that is provided which only leads to significant issues down the line when applying for PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I regard this matter with utmost seriousness. Should you fail to address my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I hereby request a thorough reexamination of the following information and ask for evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you be unable to provide such evidence, I 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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: AZ

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX closed my account with them and charged off a prior loan of {$7400.00} as " bad debt ''. This was then reflected on my credit report showing a {$0.00} balance and closed account. On or about XX/XX/year> Jefferson Capital System purchased this information from this closed account and reported it as an ongoing debt for myself. I have no written contract with Jefferson Capital System, I have never received any written or telephonic communication from them, and this showed as a debt for me as of XX/XX/XXXX, XXXX pulling my credit score down a day before I was set to apply for a new mortgage loan. The actions of Jefferson Capital System negatively affected my credit score to the point that I am now out of range to qualify for a mortgage loan. I also question the validity of the collection agency as it may be a front or a scam agency.

Company response to consumer: Closed with explanation