vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late open account and the unjust presence of a charge-off on my credit report. Despite my diligent efforts to rectify these issues, they persist, adversely affecting my creditworthiness and financial standing. 

A charge-off entry has been unjustly placed on my credit report. Despite providing evidence and documentation proving that this charge-off is erroneous, it remains, tarnishing my credit history and impeding my financial opportunities. 

I have made previous attempt to dispute and correct these inaccuracies, providing comprehensive documentation, including payment records and correspondence with creditors, to support my claims. However, despite my efforts, the credit reporting agency has failed to rectify these issues, causing undue hardship and frustration. 

Therefore, I request the following actions : Correction of the late open account to accurately reflect my payment history. 
Removal of the unjust charge-off from my credit report. 
Thorough investigation into the handling of my disputes, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication regarding the steps taken to address my complaint and prevent similar inaccuracies in the future. 
I urge your agency to prioritize the swift resolution of these issues to restore the accuracy of my credit report and mitigate the adverse effects on my financial well-being. 

I expect a prompt and satisfactory resolution within the exact timeframe of the receipt of this letter. Failure to do so will compel me to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assistance to correct or remove these accounts in my credit file : XXXX XXXX Balance : {$21000.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXXXXXX Balance : {$19000.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item 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 non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late open account and the unjust presence of a charge-off on my credit report. Despite my diligent efforts to rectify these issues, they persist, adversely affecting my creditworthiness and financial standing.

A charge-off entry has been unjustly placed on my credit report. Despite providing evidence and documentation proving that this charge-off is erroneous, it remains, tarnishing my credit history and impeding my financial opportunities.

I have made previous attempt to dispute and correct these inaccuracies, providing comprehensive documentation, including payment records and correspondence with creditors, to support my claims. However, despite my efforts, the credit reporting agency has failed to rectify these issues, causing undue hardship and frustration.

Therefore, I request the following actions : Correction of the late open account to accurately reflect my payment history.

Removal of the unjust charge-off from my credit report.

Thorough investigation into the handling of my disputes, including an examination of why the evidence provided was not considered in previous reviews.

Clear and transparent communication regarding the steps taken to address my complaint and prevent similar inaccuracies in the future.

I urge your agency to prioritize the swift resolution of these issues to restore the accuracy of my credit report and mitigate the adverse effects on my financial well-being.

I expect a prompt and satisfactory resolution within the exact timeframe of the receipt of this letter. Failure to do so will compel me to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assistance to correct or remove these accounts in my credit file : XXXX XXXX  Balance : {$21000.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX  Balance : {$19000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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.

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please delete/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} 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 Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX XXXX  Balance Owed : {$33000.00} 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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$33000.00} XXXXXXXX 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 2024-03-14 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.

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please delete/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} 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 Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX XXXX Balance Owed : {$33000.00} 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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$33000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit 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: DISCOVER BANK
State: CA

Complaint narrative:
My phone was stolen on XX/XX/year> and my Discover credit card was linked to my XXXX XXXX. The thief was able to access my phone and change all of my passwords, including my XXXX XXXX password. 

The thief then used the stolen device to make the following fraudulent charges using the phone 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$200.00} XX/XX/year> : XXXX XXXX : XXXX : XXXX : {$770.00} XX/XX/year> : XXXX XXXX : XXXX : XXXX : {$20.00} XX/XX/year> : XXXX XXXX : XXXX : XXXX : {$310.00} XX/XX/year> : XXXX XXXX : XXXX XXXX : XXXX : {$120.00} XX/XX/year> : XXXX XXXX : XXXX : XXXX : {$390.00} Total Fraudulent Charges = {$1800.00} I still had my physical credit card at the time and didn't know that the thief was able to use my phone 's XXXX XXXX. Additionally, any warning texts or calls from Discover went straight to the thief. I contacted Discover as soon as I found out there were fraudulent charges via XXXX XXXX and explained that my phone was stolen, so all the XXXX XXXX charges starting on XX/XX/year> were fraud. Discover said they would do their own investigation, including looking at camera footage and that it was very obvious that these were fraudulent charges since they occurred in a different city than where I live. Also, since I still had my physical credit card, I had used it at the same time in the city where I live. I can not be in XXXX places at once. Additionally, I provided Discover with the police report number that I had filed.

After Discover completed their investigation, they concluded that I am being held liable for the fraudulent charges because I have used XXXX XXXX with my Discover Card in the past on the same device. They are completely ignoring the fact that my phone was stolen and not looking at the evidence. For example, these charges were made in a different city where I have never made purchases before and do not live. The thief made a purchase at a gas station and I do not have a gas vehicle which is very clear if the investigator had looked at my past statements.

I have asked Discover to reconsider the evidence multiple times and they always come back with the same conclusion. I feel that they are trying to close the case without proper investigation. Also, they are false advertising by claiming that customers are always protected against fraudulent charges ; meanwhile, I am a victim of actual fraud and they have done nothing to protect me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Complaint Against Capital One Credit Cards Unfair Practices Regarding Returned Payment, Failure to Communicate During Medical Hardship, and Refusal to Address Late Payment Despite Hardship Program Dear Federal Trade Commission, I am writing to file a formal complaint against Capital One Credit Cards for unfair practices, inadequate communication, and a disregard for my medical hardship, all of which significantly damaged my credit standing. 

On XX/XX/year>, I was involved in a severe car accident that resulted in significant XXXX XXXX requiring XXXX XXXX  and treatment. You will find attached copies of my medical records to document this. During my XXXX, a payment on my Capital One credit card was returned. I have a longstanding history of on-time payments with this account and had never missed a payment prior to this incident. 

Capital One Credit Cards failed to take any reasonable steps to notify me of the returned payment. I only became aware of the issue after the payment was more than XXXX  days past due. Upon discovery, I immediately contacted Capital One, provided comprehensive medical documentation to explain the circumstances, and was subsequently placed on a financial hardship program.

Despite being enrolled in their hardship program, Capital One has refused to remove the negative late payment reporting from my credit history. This has had a detrimental effect on my financial wellbeing.

I believe Capital One Credit Cards engaged in unfair practices by : Failing to Exercise Due Diligence : Not making any effort to contact me regarding the returned payment, despite my previously consistent payment history.

Disregarding Hardship : Lacking any process to meaningfully address extenuating circumstances like severe medical emergencies, leading to immediate negative credit reporting.

Insufficient Resolution : Refusing to rectify the late payment reporting even after acknowledging my hardship situation and enrolling me in their hardship program.

I request that the Federal Trade Commission investigate this matter and compel Capital One Credit Cards to remove the negative remarks associated with this incident from my credit report. Their actions have caused undue stress and financial hardship during an already challenging time.

Thank you for your attention to this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Noticed there was a hard inquiry that did not belong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding fraudulent activities related to my mortgage account with XXXX XXXX  XXXX . My previous complaint number, XXXX, was closed as a duplicate but needs to be corrected. My credit report indicates that my mortgage account with XXXX XXXX  XXXX is past due, and I have undergone multiple loan modifications without my explicit consent or knowledge. I have never authorized any loan modifications or extensions of credit with your company. Therefore, I am formally requesting a complete copy of all loan modifications, extensions of credit, and reverse loan documents associated with my mortgage account for the last XXXX years and to the current year of XXXX. It is imperative to highlight that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy, fairness, and privacy of information held by consumer reporting agencies ( CRAs ), which includes your organization. The inaccuracies and adverse reporting from XXXX XXXX  XXXX have had a detrimental impact on my credit report, preventing me from disputing the erroneous information effectively ; furthermore, despite my repeated requests, they are not duplicates. 

XXXX XXXX XXXX must provide the necessary documentation to verify the accuracy and fairness of the reported information, Including a formal request through the CFPB legal process through complaint number XXXX. This lack of transparency and cooperation is unacceptable and compounds the severity of the situation. By XXXX XXXX  XXXX refinancing the home equity loan without obtaining consent from each owner, the lender disregards the property rights of the individuals involved. This contradicts the spirit of the constitutional provision, which aims to protect homeowners ' interests in their properties, and violates Property Rights. I am officially requesting that XXXX XXXX  XXXX provide all the documentation under the Fair Credit Reporting Act and for XXXX and TransUnion, as XXXX XXXX  XXXX fails to provide the requested documentation to verify the accuracy and fairness of the reporting. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists, and the fraudulent credit report item should be removed from the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding fraudulent activities related to my mortgage account with XXXX XX/XX/XXXXXXXX . My previous complaint number, XXXX, was closed as a duplicate but needs to be corrected. My credit report indicates that my mortgage account with XXXX XX/XX/XXXXXXXX is past due, and I have undergone multiple loan modifications without my explicit consent or knowledge. I have never authorized any loan modifications or extensions of credit with your company. Therefore, I am formally requesting a complete copy of all loan modifications, extensions of credit, and reverse loan documents associated with my mortgage account for the last XXXX years and to the current year of 2024. It is imperative to highlight that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy, fairness, and privacy of information held by consumer reporting agencies ( CRAs ), which includes your organization. The inaccuracies and adverse reporting from XXXX XX/XX/XXXXXXXX have had a detrimental impact on my credit report, preventing me from disputing the erroneous information effectively ; furthermore, despite my repeated requests, they are not duplicates. 

XXXX XX/XX/XXXXXXXX must provide the necessary documentation to verify the accuracy and fairness of the reported information, Including a formal request through the CFPB legal process through complaint number XXXX. This lack of transparency and cooperation is unacceptable and compounds the severity of the situation. By XX/XX/XXXX refinancing the home equity loan without obtaining consent from each owner, the lender disregards the property rights of the individuals involved. This contradicts the spirit of the constitutional provision, which aims to protect homeowners ' interests in their properties, and violates Property Rights. I am officially requesting that XXXX XX/XX/XXXXXXXX provide all the documentation under the Fair Credit Reporting Act and for Equifax and XXXX, as XXXX XX/XX/XXXXXXXX fails to provide the requested documentation to verify the accuracy and fairness of the reporting. Under the doctrine of estoppel by silence, XX/XX/XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists, and the fraudulent credit report item should be removed from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had contactedWells Fargo to open a claim about a fraudulent charge by XXXX, a third party, used to purchase a flight ticket with XXXX. When I arrived for my flight on XX/XX/2024, XXXX staff notified me that my ticket reservation was marked for fraudulent activities, that the third party was using a discount den ID not associated to my name. I had contacted XXXX through their website and all they stated was to submit a form online and that they could not assist me with anything further. I immediately contacted Wells Fargo to notify them of this fraud charge. They opened a claim and temporarily provided my account with the funds. I heard back from XXXX also known as XXXX, and they stated they have not heard have from the airline in regards to the problem. Wells Fargo denied my claim and now I am was charged the {$130.00}. I asked for help from Wells Fargo and stated that this is clearly a fraud charge I did not receive any services from this charge and that I did not approve of it. I really need assistance because Wells Fargo said that they could no longer XXXX me with this. I can not even contact anyone from XXXX and get this resolved. It has been over a month and really need this resolved. I am at a dead end thinking that my bank would protect me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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