vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S. Code 1681 Section 604 ( a ) ( 2 ) States that I have the right to privacy which has and still is constantly being violated 15 U.S. Code 1681 Section 604 A Section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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 2024-11-02 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: PA

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
Regarding the account Fortiva-XXXX XXXX XXXX XXXX XXXXXXXX on my XXXX Credit Report : XXXX received a complaint from the CFPB regarding an account on my credit report, and XXXX opened a dispute XXXX I was notified of the dispute results, which showed that the account was delinquent. Before the complaint, the account was not reported as delinquent. 

Also, my rights have been violated. Per FCRA Failing to list a disputed debt as disputed is an FCRA VIOLATION. Once you dispute a debt to a credit reporting agency, they must report that debt as disputed on your credit file and in your credit reports. Also, suppose you dispute a debt to one of the three major credit reporting agencies ( XXXX, XXXX, or XXXX ). In that case, that particular agency must notify the other two bureaus that you dispute the debt. Failing to list the account as disputed, after a valid dispute has been sent to the XXXXredit reporting agency, is a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION
State: IA

Complaint narrative:
Unauthorized calls to family members asking about acct opening of credit cards. Informed that another acct was opened XXXX different branches XXXX being a credit card. Etc. they have my family members phone number who is not listed on any of my accounts let alone reports anywhere. I was unsure of what to select because theres a fraudulent issue within the company that is going on involving the use of my ssn possibly from other banks sharing info amongst XXXX another and someone opening an account in my name and the interactions had esp with them calling a family member of mine when they shouldnt have this info. Its not listed anywhere on any account or report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: PA

Complaint narrative:
I have been disputing the same items with this agency but they are not complying with the FCRA

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 2024-11-02 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian : 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 explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Formal Dispute and Conditional Acceptance of Account Resolution Dear CFPB, I am writing to file a complaint against Capital One regarding an endorsed remittance coupon, a billing dispute, and account closure. 

On XX/XX/year>, I submitted my payment using the remittance coupon provided with my statement. Despite following the correct procedures, my payment was not accepted, and my account was closed without any prior notification or explanation from Capital One. 

Following this, I sent a notice of default to Capital One on XX/XX/year>, and a pre-arbitration notice on XX/XX/year>. Despite receiving the green return receipt slip, Capital One 's customer care team has informed me that no such correspondence has been received. 

Capital One 's failure to process my endorsed payment constitutes a breach of federal laws, including : 15 U.S.C. 1666 The Fair Credit Billing Act ( FCBA ) : Capital One is required to properly credit payments as endorsed and delivered according to the statements instructions. Their failure to do so amounts to a billing error under the law.

Uniform Commercial Code ( UCC ) Articles 3 and 4 : The negotiable instrument I provided is endorsed under the UCC, which governs commercial transactions. By failing to accept and process the negotiable instrument, Capital One is in breach of UCC regulations.

15 U.S.C. 1692f Fair Debt Collection Practices Act ( FDCPA ) : If the refusal to accept the payment was an attempt to charge additional fees, it may be an unlawful attempt to collect a debt in violation of the FDCPA.

Consumer Protection Laws : This refusal, after I complied with their instructions, violates general consumer protection laws, including the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that Transunion XXXX and XXXX will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : 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 2024-11-02 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: NY

Complaint narrative:
Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX XXXX and Equifax will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I reached out to Wells Fargo to be removed as an authorized user due to my ex common law husband being responsible for the card and not me. However, they could not find the account and this appears on 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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : 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 2024-11-02 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian : [ 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 explanation
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
i did not authorize XXXX XXXX XXXX XXXX on XX/XX/24, and XX/XX/24.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I the consumer and Merchant OWNER of XXXX XXXX received a payment in the amount of XXXX for services from another company using Chases Quick Accept platform. The funds and payment were removed from my clients account and accepted by chase and their fees ( CHASE ) were removed. And my payment was slated and confirmed to me would be deposited into my account between XXXX XXXX, same day ; as stated and affixed on app and across webpages. Between XXXX and XXXX pm I received no communication from CHASE or their merchant services, about anything in relation to my account or said XXXX At XXXX, i received a vague email from CHASE INTEGRATED PAYMENTS, stating my funds, minus, their fees, was cancelled for erroneous date of XX/XX/year>, instead of the correct and promised date of XX/XX/year> between XXXX. Cancelled for reasons not aligning with circumstances or procedures. The invoice used for XXXX XXXX  was generated by and information used by Chase and the business documents provided by I, in bank to a human banker. So any resulting error, would originate from CHASE.. Not my Client, nor I. Further when pressed about this infringement and fraudulent holding of my funds, I was prompted for more verification ; including but not limited to, disclosure between my customer and I in relation to a service and transaction being made between us ; in order to get access to my money. Money they already had access to and took their fees from. This has seriously broken my trust with this company who I just recently established both a business and personal relationship and accounts with. Based on this I strongly feel that my individual and business rights have been violated and I would like this to amicably resolved ASAP : as this is seriously impacting my business life as well as personal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: NY

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S. Code 1681 Section 604 ( a ) ( 2 ) States that I have the right to privacy which has and still is constantly being violated 15 U.S. Code 1681 Section 604 A Section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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 2024-11-02 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: NY

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S. Code 1681 Section 604 ( a ) ( 2 ) States that I have the right to privacy which has and still is constantly being violated 15 U.S. Code 1681 Section 604 A Section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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 2024-11-02 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:
I received a notification on experian stating my account balance had increased. I had no information from the bank or letters/ statements claiming of any unpaid amount or balances. I check on my account all the information was accurate and did not reflect any information claiming to be unpaid.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I received a notification on XXXX  stating my account balance had increased. I had no information from the bank or letters/ statements claiming of any unpaid amount or balances. I check on my account all the information was accurate and did not reflect any information claiming to be unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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:
I received a notification on experian stating my account balance had increased. I had no information from the bank or letters/ statements claiming of any unpaid amount or balances. I check on my account all the information was accurate and did not reflect any information claiming to be unpaid.

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 2024-11-02 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: TX

Complaint narrative:
I called Capital One to be removed as an authorized user as my ex common law husband is responsible and they could not find the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Most recently my loan was placed in foreclosure status. The bank servicer, PHH force placed an insurance policy sometime in XXXX XXXX. I have been calling since to no avail until recently when I had to reach out to further assistance. 

The property was refinanced in XXXX, and payment included the Taxes and Insurance. We also paid insurance directly to the insurance company so in essence we were double paying. 

The company increased my payment by approximately {$1000.00}, which I was unaware of until recently. So what appears to have happened was that my payments were in suspense, and therefore, it appeared that I was not making the " total '' amount. All the while, my insurance agent and I were calling the bank and given the runaround. 

So I finally got a hold of PHH, the servicer, and I was told that we were in foreclosure status because I was behind. I told XXXX at PHH, that I tried to make payments, over the phone and online banking. Once placed in foreclosure status, I was not able to make a payment as they wanted over $ XXXX. I had sent a check as well within the past few months and finally received a reply with a copy of that check that had been ultimately destroyed, Finally XXXX from PHH, referred me to XXXX, the lender. Finally, after many calls and emails, I was referred to XXXX at XXXX, the original lender. He assisted and was in between with PHH. Both advised that the issue would be taken care of, however, the account is still showing that we owe over {$11000.00} so clearly the issue has not been resolved. XXXX at PHH mentioned it would be about 5 days. It is now over XXXX weeks. This will cause an issue when I make my next payment of now $ XXXX payment. I am beyond stressed about this situation. The payments did become late due to the check that was returned, and did miss a payment when my mom in law passed. Thank you and please assist us in this dire situation.

Company response to consumer: Closed with explanation