vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-12-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-12-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXXXXXX XXXX XXXX I noticed several fraudulent charges on my Capital One Credit Card. I was traveling and had my card set to auto pay through my bank account. I notified the company by telephone that I did not recognize the charges. They read back a few charges which were legitimate. They resolved those charges and sent me a new card. When preparing my expenses for work in XXXX, I noticed a charge from XX/XX/XXXX for XXXX XXXX ( an airline from XXXX XXXX ) in the amount of {$1100.00} There is a phone number associated with the purchase. XXXX. That number rings busy and is ( according to web search XXXX ) a fraudulent phone number that is associated with fraudulent purchases with this company. I reported it immediately and notified Capital One that the card had already been switched due to the fraud that had been reported earlier and that this charge was missed. I opened a dispute and they promptly closed the dispute stating that their hands were tied due to the length of time that had passed. I have been a customer of theirs for 20 years and do not have a history of purchasing items or travel to XXXX XXXX. I do not feel I should be responsible for this fraud since it is documented that.I am not the only victim of this same fraud. I also find it reprehensible that Capital One would authorize a charge of {$1100.00} to XXXX XXXX without some sort of fraud warning trigger in their system- especially when I have a suspicious activity notification requested on. my account ( see attached ). According to the Fair Credit Billing Act as well as the Capital One website, my liability for this should be limited to no more than {$50.00} as long as fraud is reported within 60 days which it was initially. This was an additional charge in that timeframe that was missed. I believe Capital One should have some liability for not flagging a suspicious charge which I relied on them to do. However Capital One is refusing to remove or even reduce the amount of this charge. I found a phone number for XXXX XXXX Customer Service and spoke with an agent last evening who is aware of the fraudulent charges associated with this number. He provided me with instructions via email to submit a claim to XXXX directly to try and get the money refunded. ( Attached ) I called Capital One again and spoke with XXXX different representatives, the last one being XXXX in the XXXX Department who would only say that Visa would not allow them to pursue this fraud claim due to the timeframe that had elapsed. At this point I feel that XXXX has done more to assist me with this than Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06 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: CA

Complaint narrative:
Submitted dispute stating XXXX XXXX XXXX account on my report not showing current balance of zero and account being closed/transferred to another servicer with XXXX, Experian, XXXX XXXX. All disputes were submitted XXXX XX/XX/XXXX and XX/XX/2022. On XX/XX/2022 received dispute results stating all information was verified. There was no change to the account balance or account status. Additionally XXXX XXXX has an announcement on their website that they are no longer servicing federal student loans. My federal loans were all transferred to XXXX on XX/XX/2022 which are currently showing on my credit reports.

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 2022-12-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I paid the balance off several months ago. Nothing has been updated on my credit report for this account since XXXX, it's NOW XXXX. I feel 7 Months is more than enough time to update my credit report, especially when the account was paid in full and it's not being reported as such. This is for BJ 's Credit card through Comenity Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There is a bankruptcy reporting on my credit report from the state court of Tennessee. This account does not belong to me. I have sent several letters to the credit bureaus to fix this error. On my first attempt I received a letter stating that error was verified. I ask the bureaus to send me how they verified the bankruptcy and they did not send me a proper response. I sent a letter to the courthouse regarding the bankruptcy to explain how they are actually verifying a bankruptcy that does not belong to me. They sent me a letter stating that they do not verify bankruptcies nor have then been in contact with the credit bureaus. I then sent the correspondence I received to the credit bureaus 3 separate times and have not received a response. I am writing your office today in hopes that you can help me to correct this error.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There is a bankruptcy reporting on my credit report from the state court of Tennessee. This account does not belong to me. I have sent several letters to the credit bureaus to fix this error. On my first attempt I received a letter stating that error was verified. I ask the bureaus to send me how they verified the bankruptcy and they did not send me a proper response. I sent a letter to the courthouse regarding the bankruptcy to explain how they are actually verifying a bankruptcy that does not belong to me. They sent me a letter stating that they do not verify bankruptcies nor have then been in contact with the credit bureaus. I then sent the correspondence I received to the credit bureaus 3 separate times and have not received a response. I am writing your office today in hopes that you can help me to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-12-06 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: FL

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I a loan with Lincoln Financial services. In a divorce, I had to return the vehicle voluntarily before it was past due. I returned the vehicle to the dealer which then had it processed and sold with a negative balance of approximately XXXX withstanding after auction. Lincoln then threatened to sue so I settled the account for every penny I had, Approximately XXXX. The settlement was accepted as paid in full. The voluntary repossession took place in XXXX. 

Still today, this account shows on my credit report as seriously delinquent. It is the ONLY negative item on my credit. After hiring repair services and contacting Lincoln directly by mail, they continue to update this account as a " fresh '' account and as being delinquent on all three of my credit reports. The status on my credit report states " in collections '' even though this loan was satisfied over XXXX  years ago. 

I wrote Lincoln Financial services and told them the whole story of how the divorce was unfortunate and the extent I went to make them whole, I also pointed out they are unfairly damaging my credit with zero gain for them and asked they stop trying to damage my finances. Their reply was kind of cold, saying basically not their problem even though it is THEM who keep reviving the credit history to a reporting status that is not true. The reports on this account make no sense at all and just this month while applying for a mortgage, I lost XXXX  points on my XXXX and XXXX points on XXXX due to comment changes on this account, when no change has occurred and this account has been paid for over 6 years with no new activity. 

I don't know why they have such intent or contempt for me, but I have had over XXXX  auto loans and this is the only load I ever defaulted on, and it was simply beyond my control based on life circumstances. I requested the loan be stricken from my file, as its over 7 years old and does not reflect the person I am, but that aside ... ..Its simply not accurate and the constant updates on its status are malicious at this point. 

I hope you can help me finally restore my credit standing as I have paid dearly for over 8 years with high rates which have certainly ensured I paid for my mistakes. I have been adequately punished for this, and I believe it needs to stop harming me intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX  lending are closed, but not deleted. Recently I did anon my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX  accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate. The credit reporting agencies stated that those accounts were property investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. RESOLUTION As a consumer, by law my credit report must be made XXXX XXXX accurate immediately by the credit reporting agencies updating and/or deleting the accounts listed in my dispute. In conclusion the I did give consent to any of the parties involved. 
ref : 16 CFR 313.4- initial privacy notice to consumer required.

16 CFR 313.8- Revised Privacy Notices 16 CFR 313.10- Limits on disclosure of non-public personal information to nonaffiliated third parties.

15 USC 6821- Privacy protection for customer information of financial institutions.

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 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was making a purchase for an instagram reseller for {$310.00}. They have directed me to send the money to them via XXXX and I did. The purchase was on XX/XX/XXXX. I was told that the product is going to shipped out the next money which was on XX/XX/XXXX. I messaged the reseller and they blocked me on XXXX on the same day. At this point, I had already know that I had been a scammed victim and lost {$310.00}. I filed a E-regulate dispute with Chase since XX/XX/XXXX and never heard from them since. I just want to reach out to CFPB to help me getting my money back for being scammed from the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2022-12-06 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: TX

Complaint narrative:
I just received a copy of my credit report and I noticed accounts that are outdated and inaccurate. I want this information removed because they can be considered as fraudulent and I have the right to Accurate Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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