vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, I hope this letter finds you well. I am writing to bring to your attention an error on my credit report and kindly request your assistance in rectifying the matter. 

Upon reviewing my credit report, I noticed that there is an account listed with inaccurate information. The account in question is an installment loan with XXXX XXXX, ending in [ Last Four Digits of Account Number : XXXX XXXX ]. According to the information provided, the bank claims that I paid {$2100.00} in interest during the year XXXX However, I would like to emphasize that I have no recollection of incurring such an expense nor having any association with this loan. 

Given the discrepancies mentioned above, I kindly request that you investigate the matter and take the necessary steps to remove this erroneous account from my credit report. I have enclosed copies of my credit report highlighting the incorrect information for your reference. Additionally, I have included any supporting documentation that may assist you in verifying the accuracy of my claim. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies, such as Experian, investigate any disputed items on a consumer 's credit report within 30 days of receipt of a dispute letter. Therefore, I kindly ask you to initiate an investigation into this matter promptly. 

It is essential for my financial well-being and creditworthiness that inaccurate information is promptly rectified. I trust in Experian 's commitment to ensuring the accuracy of credit reports and upholding the rights of consumers. I appreciate your attention to this matter and your assistance in resolving this issue as soon as possible. 

Please inform me in writing of the outcome of your investigation and any actions taken to address this matter. Additionally, I kindly request that you provide me with an updated credit report reflecting the removal of the disputed account. 

Thank you for your prompt attention to this request. I am confident that Experian will handle this matter with the utmost professionalism and diligence. If you require any further information or documentation from me, please do not hesitate to contact me at the provided contact details. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My personal information was changed by an unknown person on my XXXX personal profile

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 2023-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TN

Complaint narrative:
The United States Bankruptcy Court does not release any information to the credit bureaus and is not responsible for verifying information or validating information from consumer credit files. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) my rights are being violated under the law. Remove this bankruptcy immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has sent me nonsensical and incorrect documentation in regards to fraudulent charges that were not made by me and posted to my credit card. I have been treated inappropriately by Capital One on numerous occasions, and I feel it has do with a XXXX bias against me. This issue involves fraudulent charges that I do not recognize and Capital One is refusing to remove. Capital One is the only credit card company I have ever had an issue with of my numerous cards, they are abnormal in their response and behavior and are not abiding with US Law. The Fair Credit Billing Act ( FCBA ) protects consumers against inaccurate or fraudulent credit card charges and other billing errors. 

XXXX has charged my card for {$120.00} total, I do not recognize these charges, and Capital One is refusing to remove them. I was charged on four separate occasions. I have submitted all information to Capital One, of which I have copies of, and they are still refusing to remove fraudulent charges from my card. They sent me the following communication : " We opened a dispute case on XX/XX/2022, because you stated that you were unaware what these charges were '' They are acknowledging that I reported fraud to them, and are doing nothing about it. Nor have they provided any information on their findings in the dispute process or how they arrived to their conclusion. They have provided no evidence or proof of anything- they are simply refusing to remove fraudulent charges because it benefits them financially. They have also stated " We issued a permanent credit on XX/XX/2022, for the XXXX XXXX XXXX that occurred on XX/XX/2022 '' This is incorrect, all charges totaling {$120.00} were put back on my card. They are lying directly to the CFPB. Also, how can they give a credit for a charge in XX/XX/XXXX that they said occurred on XX/XX/XXXX, XXXX month after? They are lying directly to the CFPB and not even making sense, it shows the lack of respect this company has and how it does not take the issue seriously. 
Capital One 's behavior is in direct violation of the XXXX Credit Billing Act. Here is the law directly from the FTC website : " If the issuer determines that you owe the disputed amount, they must tell you promptly and in writing how much you owe and why. You may ask for copies of documents that the issuer says prove you owe the money. '' I have asked them for documentation proof or evidence of these false charges and they have not provided it to me, as the law states they must. Capital One is violating consumer law, and I believe it is due to prejudicial bias against me. I am asking the CFPB and FTC to assist me against this predatory company. It is disgusting how poorly they treat the family of a veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX XXXX Account XXXX XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well.

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 an or my account without my written instructions.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, 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:
The following accounts were opened without my consent or knowledge and are a case of identity theft. 

XXXXXXXX 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 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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The following accounts were opened without my consent or knowledge and are a case of identity theft. 

XXXXXXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
My credit report is showing I owe XXXX plus and it should be XXXX. Also being charged back end fees after I went through the COVID forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
I woke up this morning to my Cash App account closed. I reached out to cash app and it took them over three hours to get back to me only for them to tell me that they do not have a specific reason, but they can give us why my account was closed, but it was linked to terms and service violation. I read to the terms of service, and I did not find a single violation that I violated. Ive had my account for a very long time, and I try to maintain it for the mayor fact that it is my only source of banking modernly. When I asked them, they said they could not provide any more information because of privacy issues but I am reaching out to them about my account, so why cant they be open with me about what I violated in order for them to close my account? I have screenshots from the whole conversation that I had with the support system, which did not give me any help the end of the conversation before finding a solution. I tried reaching out again and now the app is telling me. I have to wait a maximum of two hours before I can get in contact with somebody to get any more information about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian, and XXXX are committing fraud by keeping these accounts XXXX XXXX XXXX XXXX, and XXXX XXXX on my credit report even though these companies have sold the debt and no longer own them they need to be deleted 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 explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I wrote to TransUnion LLC Consumer Dispute Center. I demanded, according to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act demanded, verifiable proof for the following Public Record XXXX Case Number : XXXX and to supply how this information was verified or it would be deleted. I never received any response but a letter of accusing me of being a XXXX XXXX XXXX. I have also attached a Letter received from XXXX back in XX/XX/XXXX which TransUnion uses for this type of reporting that information was unverifiable.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a Wayfair Mastercard account near the end of XXXX and used it to buy a couch. I paid it off almost immediately and completely forgot about the card, until I received an email in early XXXX saying I owed hundreds of dollars in late fees and interest because of an obviously fraudulent charge ( it literally took a 3 second XXXX search to see that I'm not the only one to experience this particular fraud ). 

After letting the company know of the fraudulent charge and letting them know I was not going to pay anything under any circumstances, they called me almost daily until I blocked their number. I repeatedly informed them I would not be calling them, as I did not have time to waste solving a problem that wasn't mine because they couldn't type something into XXXX. They reversed the fraudulent charge but kept all the late fees and interest for some inscrutable reason and ended up closing my account after some time. I requested they correct my credit report, which they have still failed to do.

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 2023-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
In XXXX of XXXX I made a final payment on my account for the full amount I was shown I owed. 
A few days later when I checked my account it was showing a small payment of {$60.00} so I made that payment. 
about 2 weeks later I got a call from my mortgage company and they said I had over paid and they revered the payment of {$60.00} and said my account was paid off. 
In XXXX I got a notification that there was an account placed at 30 days past due, and when I checked it was my mortgage company. 
I called my mortgage company and got told I owed {$1800.00}, {$2900.00}, and {$2300.00} by the same person I spoke with. 
Every time I called in I was told my account was showing paid in full, but I owed corporate advances. 
After disputing them, my mortgage company closed my account and listed it paid in full in XXXX of XXXX. 
A few weeks later I received a notification again on my credit report of an account being charged off. 
Upon checking my report I noticed it was my mortgage company and they said I was charged off for a total of {$3.00}. 
I have contacted them and was told everything is correct and that they would not removed the negative remarks. 
I am requesting that my credit report be fixed back to XXXX of XXXX and my account to reflect that it was paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX XXXX  Account XXXX XXXXXXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

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 an or my account without my written instructions.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX XXXX  Account XXXX XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

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 an or my account without my written instructions.

Company response to consumer: Closed with explanation