vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've recently reviewed my consumer report and noticed that there are negative accounts reporting on my consumer report that are INACCURATE and were open with an address I HAVE NEVER LIVED. ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted XXXX and Transunion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof

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 2024-02-27 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-02-27 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: NC

Complaint narrative:
I have no involvement in these inquiries and am not associated with the creditors stated on my credit report above.

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 2024-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts Or permissible purpose. I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 
DELETE THESE ACCOUNTS : Original creditor : XXXX XXXX XXXX XXXX Account Type : Collection, Date opened : XXXX XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX, Account Type : Auto Loan, Date Opened : XX/XX/XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX Account Type : Credit Card, Date Opened : XX/XX/XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX, Account Type : Charge Card, Date Opened : XX/XX/XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX XXXX, Account Type : Credit Card, Date Opened : XX/XX/XXXX, Account Number : XXXX Please remove account. 
Original Creditor : XXXX, Account Type : Credit Card, Opened : XX/XX/XXXX, Account Number : XXXX Please remove account. 


UPDATE FOLLOWING ACCOUNTS TO ZERO DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: MO

Complaint narrative:
I have not made these accounts and strongly suspect they are scams.

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 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
This is a follow-up to complaint, XXXX. It appears that not only did the company have a severe security breach but when I filed the first complaint they did not update my information from the complaint form and used an address that I have not lived at in almost 5 years, so they further caused harm to my personal security by sending personal information to an old address. I never knew that they had replied to my complaint because they did not send the information to my correct address that was provided in the complaint and there was no notification sent via email that they had replied. 
In their reply they say they have offered 2 years of credit monitoring. First off, they have not supplied the information on the credit monitoring and in this world of criminal activity 2 years is not enough time to supply credit monitoring. So they have lied to a Federal regulatory agency. If they sent it to my old address then that is yet another form of negligence on their part. They should supply a lifetime of credit monitoring. 
Second, they say they are required to keep the account information. That is true, but they are not required to keep former customer data on easily accessible servers like they did. I asked for a complete and full understanding of what was done and what was done to protect my information and they did not supply that. I would prefer not to have to sue to get this information. As I noted they say they have supplied credit monitoring but have not actually supplied this information to a correct address. 
Since my complaint went to them and I provided a correct address they should have updated their records and not be sending personal information to an old and incorrect address. They either received the mail back notifying them of the incorrect address or did not send it in a way that would get that information. Again complete negligence on the part of the company. I hereby request all information that they allegedly replied with in their response be sent to the correct address and they completely update their records and remove all old incorrect addresses so they can not make this mistake again. I shouldn't be required to live at XXXX address for a lifetime just in case a company is incompetent and allows bad actors to access my information. In fact there should be a far bigger penalty to any organization that is negligent with a customer 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Covid- 19 I was out of work, Couldn't keep up with my payments and nothing was done, therefore I have quite a few late payments that I would like removed, I have been paying on time for over 2 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/XXXX I intended to purchase appliances at Best Buy after all appliance 's were purchased they could not be delivered until XX/XX/XXXX we could not so Best Buy Associate in store assured me all transactions were deleted. In XX/XX/XXXX I received a bill stating payment was past due I to dispute charges I didnt make and copy of charge and didnt receive any copies was told they would investigate I did not have to pay until completion. I didnt receive answer and continued being billed and reported to Credit Bureau XXXX On XX/XX/XXXX finally was told Best Buy Associate didnt remove and I am responsible to pay for their mistake. Best Buy allegedly is charging for what they are calling a Membership and a Gift Card I didnt purchase.

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 monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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.

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: IN

Complaint narrative:
On XX/XX/2024, I made a wire transfer of {$6000.00} from my own bank account to my Kraken Crypto Exchange account. I made this transfer to buy bitcoin on Kraken. 
However, Kraken keeps this money in its own account and has not transferred it to my account for about 15 days. I wrote dozens of e-mails and called dozens of times, but I can't get any results. They have literally stolen my money, please help. 
NOT : Moreover, they have used this money for 15 days and earned money. However, I lost money because I could not buy Bitcoin. I don't know if there is anything you can do to compensate for this damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CT

Complaint narrative:
I applied for the SAVE Plan on XX/XX/XXXX, after weeks of trying to access the FSA website but finding it down ( like many other people ). I was immediately approved, and told that my new payment amount would be {$0.00} ( being a parent and having a mortgage, this was the best news ever ). So, I knew it might take some time to process with my servicer, which was switched to MOHELA when my PSLF ( I work for the XXXX XXXX ) was approved in XXXX of XXXX, so I sucked it up and made the first payment of {$240.00} at the same time. There was even an option during the SAVE Plan signup to apply {$5.00} to avoid anything counting as a missed payment ( or something like that ), which I took advantage of. Fast forward to XX/XX/XXXX, and I have needed to make that {$240.00} payment 5 times so far, as MOHELA has listed my IDR Document as " Processing, '' with a received date of XX/XX/XXXX, the day after I was approved for the program by the FSA. MOHELA 's website still states they have a high call volume, consulting the internet has resulted in me learning that it's essentially pointless to call, and that the only way any action gets taken is by filing a CFPB claim. I acknowledge that MOHELA has a lot of stuff to sort out, but the fact that they've taken over 5 months and still haven't processed my claim ( which, as a reminder, is PSLF-eligible, meaning in a few more years they should be forgiven ), it really seems as though they are delaying the process of my claim in order to get as much of the limited amount of money I would have to pay out of me. I can't afford these payments, I haven't been able to afford them, and the credit card debt I'm prevented from paying off by making these payments ( which I HAVE to make, as a condition of PSLF ) is causing massive harm to my credit score and the amount of debt I have now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, This is second complaint to the same issue as Wells Fargo closed time my complaint and now closed down my account without returning the funds to the original sender. Wells Fargo claimed that all 8 transactions my mother XXXX XXXX sent me from XXXX XXXX XXXX XXXX  ) were sent with receiver as XXXX XXXX? So my mother basically sent herself money to my account? Wells Fargo refused to give me my money and so we started the process of returning the funds. XXXX recalled all 8 transactions, my mother even paid extra XXXX EUROS per recalled transaction and Wells Fargo managed to return only 7 of them. I called pretty much every day to make sure Wells Fargo doesnt close the account until all the funds were transferred and they still did. I asked for extension and got denied last time? Why? Why didnt Wells Fargo just extend the closing date? To make sure all the funds were returned.

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 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: IL

Complaint narrative:
. This is causing serious harm to my credit and we have started litigation on the matter, This violation of 15 USC 1681B permissible purpose and these things were not done by me and need to be taken of asap.This was done by fraud and nothing this company has matches what is on my consumer report and they refuse to take care of the situation.

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 2024-02-27 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Account Name : AFFIRM INC - XXXX I have concerns regarding the inclusion of these late payments on my credit report, and I believe there are discrepancies in the reporting process that warrant further examination.

Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purpose of the consumer report, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer credit report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. '' I emphasize that I have not provided written instructions to include this account on my credit report. Did I give you written instructions to furnish this on my credit report? It raises questions regarding the legality of its inclusion. 

Furthermore, I draw your attention to the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( i ), Exclusions from a from a consumer credit report CLEARLY STATES ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term Consumer Report does not include ( a ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, This agency in clear violation 15 U.S. Code 1681 and 15 U.S. Code 6802 These laws state that its illegal to report transaction history without my consent, with I did not give to XXXX or AFFRIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I started off with a low interest rate on my Capital One Card. They have now increased the 32.99 % when my balance went up making it impossible to pay my balance off. It's ridiculous they're taking advantage of lower income households during this struggling economy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 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: MN

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. Your immediate attention to and resolution of this matter are highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: MI

Complaint narrative:
I have already sent letters to the creditors asking to remove the late payments on my credit report they have not abided by my request. In which the information is reporting inaccurately. They have also violated my consumer rights by not giving me the option to opt out from reporting this information to any third party agency. 

15 U.S.C 6802 states Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; Please remove any negative/late payments and update the following accounts to positive. This has made a huge impact on my score and made it difficult to apply for credit for a new home. 

ACCOUNT NAME-XXXX ACCOUNT #  XXXX ACCOUNT NAMEXXXX XXXX XXXX ACCOUNT # XXXXXXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX  XXXX XXXXXXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX  XXXX XXXX XXXX XXXX ACCOUNT # 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