vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I sent out Debt Validation Letters for all negative items being reported on my credit reports, with all 3 major bureaus, on Thursday, XX/XX/2024. The cause of this was all the information I received about data breaches containing my information, even though I have a right to check my consumer credit reports at any time. I do not recognize many of the companies listed on my credit reports ; I have not done business with them. After respectfully requesting the verification of all negative information, the request was ignored and/or overlooked. The 30 day response period expired on or about Sunday, XX/XX/ 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I sent out Debt Validation Letters for all negative items being reported on my credit reports, with all 3 major bureaus, on Thursday, XX/XX/year>2024. The cause of this was all the information I received about data breaches containing my information, even though I have a right to check my consumer credit reports at any time. I do not recognize many of the companies listed on my credit reports ; I have not done business with them. After respectfully requesting the verification of all negative information, the request was ignored and/or overlooked. The 30 day response period expired on or about Sunday, XX/XX/scrub> 2024.

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 2024-09-19 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I called Flagship Credit Acceptance on XX/XX/XXXX after I had spoken to a representative on the phone regarding the two missed payments they are claiming on my account. The person from Flagship I spoke with on the phone said they have no record of my late payments and they did not show up in the system and recommended i reach out via email to XXXX and bring this to their attention. I requested the documentation from Flagship Credit that the last payments did in fact occur and asked this it would be sent over as soon as possible and if it couldnt be located I requested to have the late payments removed from my account. I provided my social security number and reference number from the phone representative and have waited for a reply. I was emailed back today XX/XX/XXXX from XXXX and they stated Flagship is unable to locate an account with the information you provided. They went on to ask for more information to further investigates the dispute after they have nothing showing from the social security number and reference number I provided and responded a month later still saying they are unable to locate my account. I am not sure what else I can do in this situation, I have disputed several times and have email from from Flagship saying they have no recollection of a missed payments. I am requested to have this removed as they have had ample time and have researched this and have proven that I should not have these missed payments 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 explanation
Consumer complaint received 2024-09-19 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: CITIZENS FINANCIAL GROUP, INC.
State: KS

Complaint narrative:
The XXXX XXXX i ask to remove late payment 30 days in accordance with the law, my rights have been violated. Late payment reports to your consumer reports is illegal. In 15 U.S. code1681a : Definition and rules of construction ( 2 ) Exclusion. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as a transaction or experiences between the consumer and the XXXX making the report ; transaction are not included in the report and request is to remove late payment from the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit 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: PA

Complaint narrative:
I am filing this complaint against CAPITAL ONE Financial Services regarding a serious billing error, mail fraud, and trust malfeasance related to my credit card account. Despite multiple attempts to resolve the issue directly with CAPITAL ONE, I have not received any response to my written dispute letters. On XX/XX/ 2024, I sent a formal letter to CAPITAL ONE disputing a credit balance error on my credit card statements dated XX/XX/2024 XX/XX/2024, in accordance with 15 USC 1666B ( 1 ). Despite my attempts to resolve this matter, CAPITAL ONE has failed to acknowledge or correct the error. Additionally, I have sent XXXX follow-up letters, most recently on XX/XX/2024, and have not received any response.CAPITAL ONE sent a DEMAND FOR PAYMENT OF DEBT letter to me via U.S. Mail , which I believe contains false and misleading statements designed to defraud me, in violation of 18 USC 1341 . I requested proof of the services performed and documentation to support their claim, but CAPITAL ONE has not provided any such proof. CAPITAL ONEs continued refusal to respond to my lawful billing dispute and its failure to produce the necessary documentation raises concerns of trust malfeasance. As a consumer, I relied on CAPITAL ONE to act in good faith and fulfill their obligations under federal law. Their inaction demonstrates a breach of trust and fiduciary responsibility, especially given the substantial financial implications.CAPITAL ONEs actions, or lack thereof, appear to violate multiple federal laws : 1. 15 USC 1666B ( 1 ) : The Fair Credit Billing Act requires creditors to acknowledge a billing dispute within 30 days and resolve the issue within two billing cycles ( but no more than 90 days ). CAPITAL ONE has failed to meet these obligations. 
2. 18 USC 1341 : CAPITAL ONE may have committed mail fraud by sending a fraudulent demand for payment through the U.S. Postal Service, which includes misleading information designed to collect an improper debt. 
3. 15 USC 1666d : I am not liable for the disputed amount during the investigation, yet CAPITAL ONE has not responded to my requests, and I am concerned about potential negative impacts on my credit. 
4. Trust Malfeasance : CAPITAL ONE has violated the trust relationship between creditor and consumer by not acting in good faith to resolve my dispute. Their failure to provide supporting documentation and their lack of communication further suggest intentional malfeasance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I've been trying to get all the credit bureaus to remove the child support claim from my records my case with them was closed on XX/XX/year> I DO NOT OWE ANYONE XXXX and I have proof of my case being closed not to mention since child support is unconstitutional and it violates my consumer and constitutional rights I feel like my identity has been fraudulently used to make this claim on my credit report and I also saw XXXX hard inquiries that I NEVER APPROVED I DON'T EVEN KNOW WHERE THEY CAME FROM!!! AND YOU WILL SEE AT THE TOP OF THE DOCUMENT I SENT MY CHILD SUPPORT CASE IS COMPLETELY CLOSED SO THIS SHOULD'VE BEEN REMOVED LAST YEAR WHEN I CALLED THEM AND ASKED THEM TO REMOVE IT

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Byrider Franchising, LLC
State: MO

Complaint narrative:
I've been trying to get all the credit bureaus to remove the child support claim from my records my case with them was closed on XX/XX/year> I DO NOT OWE ANYONE XXXX and I have proof of my case being closed not to mention since child support is unconstitutional and it violates my consumer and constitutional rights I feel like my identity has been fraudulently used to make this claim on my credit report and I also saw XXXX hard inquiries that I NEVER APPROVED I DON'T EVEN KNOW WHERE THEY CAME FROM!!! AND YOU WILL SEE AT THE TOP OF THE DOCUMENT I SENT MY CHILD SUPPORT CASE IS COMPLETELY CLOSED SO THIS SHOULD'VE BEEN REMOVED LAST YEAR WHEN I CALLED THEM AND ASKED THEM TO REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These inquiries were not initiated by me, and I am not linked to the listed creditors.

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 2024-09-19 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: CT

Complaint narrative:
I want to inform Experian that there is an error in the bank statement. There is a delinquency in the credit report, showing that there was a late payment even though my XXXX XXXX XXXXXXXX account, but it shows there is no sign of late payment. I want to have the account deleted if it's not 100 % accurate. Could you check on this and get back to me? Please investigate the following account and remove it if anything is missing or not correct on it. Thank you!

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 2024-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Account Closure and Lien Release with Wells Fargo Bank , N.A . 

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Wells Fargo Bank , N.A . regarding their failure to resolve an ongoing issue related to the closure of a business equity line of credit account. 

Background : In XXXX, Wells Fargo acquired the account from XXXX, which included a credit line of {$75000.00} for XXXX XXXX XXXX. The outstanding balance of {$22000.00} on this loan was discharged through a XXXX XXXXXXXX bankruptcy, which was finalized in XXXX. However, despite the bankruptcy discharge and Wells Fargo charging off the account on XX/XX/XXXX, a lien was placed on my property located and the account remains open. 

Wells Fargo has repeatedly denied any knowledge of the account or provided inconsistent information regarding its status. This lack of clarity has made it impossible for me to resolve the situation and secure a letter of satisfaction indicating that the loan is no longer active, as well as an avoidance of lien document. The presence of this lien is severely limiting my ability to access financial instruments, such as refinancing my property or obtaining a new home equity line of credit, as the account appears open on credit reports. 

I have made numerous attempts to communicate with Wells Fargo, including speaking with various representatives, each of whom either claims ignorance about the account or provides no useful guidance. I received a letter dated XX/XX/XXXX, asserting that I no longer seek additional information, which is categorically untrue. I have also been assigned an account number and a case number Furthermore, I would like to bring to your attention that my primary language is Spanish, and I have encountered significant difficulties obtaining assistance in my preferred language. This lack of language support feels discriminatory and has added to my frustration during this already challenging process. 

The last representative I spoke with was XXXX XXXX from the Lien Release Department, whose contact number is XXXX, extension XXXX. Unfortunately, he was unable to provide any satisfactory resolution. 

Your assistance in this matter would be greatly appreciated, as I am feeling misdirected and overwhelmed by the lack of support from Wells Fargo. 

Thank you for your attention to this urgent matter.

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 2024-09-19 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: FL

Complaint narrative:
I saw unauthorized inquiries on my credit report today, and Im completely unsure why. I check my report often, but today I found inconsistencies out of the blue. I refreshed the page thinking it might be a technical issue, but the inquiries were still there. I need these documents reviewed right away so I can put this behind me for good.

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 2024-09-20 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: CA

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and found several accounts that seem to be erroneous and added without my knowledge.

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 2024-09-19 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: VA

Complaint narrative:
These companies accessed my credit report without my permission, which has negatively impacted my credit score. I reached out to XXXX, and a representative said they would remove the inquiries, but theyre still there. These unauthorized and fraudulent inquiries are causing me anxiety, as I worry I might be a victim of identity theft, adding unnecessary stress to my life and further hurting my credit score.

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 2024-09-19 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: TX

Complaint narrative:
XX/XX/XXXX I purchased my car for XXXX with a check for {$50000.00} from XXXX XXXX. The loan amount for the car was {$37000.00}. On XXXX XXXX I filed a XXXX with the IRS which was accepted and sent to the XXXX XXXX for ( Aquisition or Abandonment of secured property ). I recently filed a XXXX to discharge the debt. On XX/XX/XXXX my auto loan was made to " Now Current '' and on XX/XX/XXXX all my payments were changed from " Late '' to " on time payments ''. Now the auto loan has been placed as a charge off and according to 31 USC 3104 this debt has become a Certificate of Indebtness. The Fair Credit Reporting Act, 15 USC states it is illegal to report inaccurate transaction history. This debt is now charged off and income can not be reported on credit reports. I hired a company in Delaware to do a UCC-11 search. I have sent XXXX XXXX XXXX complaints stating my rights to my vehicle and demanding they mail my title free and clear to XXXX XXXX XXXX XXXX XXXX XXXX and to place my payments they received from the federal reserve window ( being that they are my security transfer agents ) into my Treasury Direct Account. These actions are unlawful unacceptable and against the Banking Act of 1933. The IRS has also been contacted to remove their POA with form 2848 and 56F. I have also filed Bankruptcy under XXXX XXXX due to hardship. I will be sending in the paperwork directly to XXXX XXXX to put them on notice.

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 2024-09-19 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: TX

Complaint narrative:
XX/XX/XXXX I purchased my car for XXXX with a check for {$50000.00} from XXXX XXXX. The loan amount for the car was {$37000.00}. On XXXX XXXX I filed a XXXX with the IRS which was accepted and sent to the XXXX XXXX for ( Aquisition or Abandonment of secured property ). I recently filed a XXXX to discharge the debt. On XX/XX/XXXX my auto loan was made to " Now Current '' and on XX/XX/XXXX all my payments were changed from " Late '' to " on time payments ''. Now the auto loan has been placed as a charge off and according to XXXX XXXX XXXX this debt has become a Certificate of Indebtness. The Fair Credit Reporting Act, 15 USC states it is illegal to report inaccurate transaction history. This debt is now charged off and income can not be reported on credit reports. I hired a company in XXXX  to do a UCC-11 search. I have sent XXXX XXXX XXXX complaints stating my rights to my vehicle and demanding they mail my title free and clear to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and to place my payments they received from the federal reserve XXXX ( being that they are my security transfer agents ) into my Treasury Direct Account. These actions are unlawful unacceptable and against the Banking Act of 1933. The IRS has also been contacted to remove their POA with form 2848 and 56F. I have also filed Bankruptcy under chapter XXXX due to hardship. I will be sending in the paperwork directly to XXXX XXXX to put them on notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: CA

Complaint narrative:
I have recently reviewed a copy of my credit report and it is showing fraudulent accounts.Please remove these accounts as they are hurting my capability of obtaining good credit.Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the validity of the collection account reported by your agency on my credit report in connection with XXXX XXXX referencing an alleged debt of {$1700.00} for an XXXX XXXX. I have never received the XXXX in question, and I have been disputing thismatter with XXXX for the past seven months. XXXX has confirmed that the device was returned, and I do not owe any balance on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation