vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
A credit card was opened in my name by a family member without my approval or knowledge. Multiple charges made and then balance not paid- noticed this when credit score dropped significantly and I had to investigate as to why. Called 3x - the first 2 times disputes were made and investigated. Both said I " benefited '' from the account. When I called the 3rd time inquiring how to get my name off the account and make it stop affecting my credit they said they reopened the dispute ( again!!! ). They were unable to answer my questions about how this is going to help- they already denied my dispute twice - what would be different this time? I inquired how to make the account " go away '' and stop affecting my credit score and they referred me to an outside crediting agency. That makes no sense, since the account and delinquency in clearly with Capital One. I was transferred no less than 8 times to get answers and still have none.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: IL

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear Capital One, I am writing to you again in disbelief that Capital One would deny its legal status as a consumer reporting agency ( CRA ) under the Fair Credit Reporting Act ( FCRA ). At this point, your contrary claims can only be characterized as a willful disregard for the unambiguous language and decades of case law interpretation of the FCRA. 

Let me reiterate in full detail exactly how Capital One irrefutably qualifies as a CRA to avoid any possibility of further confusion or misrepresentation on your part : Under 15 U.S.C. 1681a ( f ), a CRA is defined as " any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. '' It is indisputable that Capital One furnishes consumer credit data, including payment history and account balance information, to XXXX, XXXX, and XXXX on a regular basis. Furnishing such consumer reports to credit bureaus is considered " engaging ... in the practice of assembling or evaluating consumer credit information ... for the purpose of furnishing consumer reports. '' XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 

Further, multiple circuit courts have affirmed that this definition of a CRA includes furnishers of information like XXXX. See, e.g., XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX. XXXX ). 

To remove all doubt, the Federal Trade Commission 's ( FTC ) official commentary on the FCRA definition of a CRA explicitly states that furnishers of information, such as creditors, landlords, and employers, meet the definition : " they are CRAs and they must comply with all applicable requirements imposed by the FCRA and its implementing regulations. '' XXXX XXXX XXXX XXXX, XXXX. 

The inescapable truth is that by furnishing consumer data to XXXX, XXXX, and XXXX, XXXX XXXX in every sense " regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information... for the purpose of furnishing consumer reports '' and thus qualifies unequivocally as a CRA under 15 U.S.C. 1681a ( f ) with all attendant legal duties. 

To continue denying this legal reality exposes Capital One to serious liability, including potential FTC enforcement actions and class action lawsuits. I urge you again to acknowledge the facts and remedy your non-compliance without further delay. My detailed outline of the law leaves no room remaining for doubt or excuse. Please advise how you intend to properly address my dispute in accordance with your FCRA obligations as a CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-04-03 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: MI

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My loan was purchased by Mr Cooper DBA Nationstar Mortgage without my knowledge or consent. This company has highly questionable business practices, at a minimum. Not to mention theyve made reaching a real person for help, IMPOSSIBLE, on purpose. This entity has already had to pay out very large fines for their predatory & unethical business practices.

Ive been trying to get my escrow account removed, as my original lenders software had an error occur upon submission, which asked for an escrow account. Ive only been able to reach someone by chat & was initially told that this error would be corrected within XXXX business days. After the XXXX business days I found that nothing had been done/fixed. I tried reaching someone by phone but the automated system is set up so that you are not allowed to reach a human. So, I started another chat ; only to find out that Mr Cooper can only review my request & will only fix it if THEY FIND IT NECESSARY. Which, I was told- THEY DONT. Please, please further investigate this entity ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I recently checked my account and noticed there were 2 transactions on my Wells Fargo checking account : XXXX XXXX for {$4800.00} sent on XX/XX/XXXX and another for {$4200.00} sent on XX/XX/XXXX sent to XXXX XXXX  XXXX. I have never heard of XXXX XXXX  XXXX or done business with them in the past. 
Someone stole my account information because I never authorized this company to take money out of my account. 

Please help.

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 2024-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
I don't recall having a contractual relationship with this collection company THE BUREAUS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Hello, I had purchased a couch with two ottomons online at XXXX XXXX, based off of XXXX WA on XX/XX/24. The company website says guaranteed to ship in 7days but the couch didn't arrive until XX/XX/24. When the product arrived one of the pieces of couch was missing and they shipped a wrong item instead of it. I took pictures and immediately emailed the evidence to the company. I signed the BOL that the delivery team presented on their device which showed missing item. I rejected the wrong piece. I wasn't given the opportunity to selected the options on that device. ( This added info is missing from BOL that merchant provided to the bank ) I requested the company a expedited replacement for the missing piece but the company couldn't deliver it within a reasonable amount of time. So, I requested a full return and refund after the merchandise gets picked-up for which the company started to threaten me and said they will charge me for shipping costs and sue me if they find anything negative about the transaction on social media. They presented the condition of my silence on social media in exchange for a full return and refund. This evidence is in the email i submitted to CHASE bank and I uploaded it here also. 

I disputed the charge on my credit card with CHASE on XX/XX/24 and provided mountain of evidence pictures and email correspondence. 
The merchant later on XX/XX/24 after I submitted the dispute sent return labels but will not address my concern about refunding original shipping costs in the scenario that the items shipped were incorrect. 
CHASE Bank today XX/XX/24 closed the dispute saying the charge was valid. They requested more info yesterday XX/XX/24 after merchant review, which I provided with the Bill of lading of the return that I did on XX/XX/24. When I spoke to them on XX/XX/24, they assured me that they will continue to dispute based on the evidence of return of merchandise but they did not. The person I spoke to XXXX will not transfer me to the supervisor. They have ignored all my evidence and spent no time looking at the evidence I uploaded. 

Now I do not have the merchandise and have a credit card bill for {$3400.00} to pay. Original Transaction amount XXXX. 

Please help. As a consumer I feel lost, violated of my rights and unheard. I have more evidence if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX a transfer of {$38000.00} was made from my Chase savings account to my Chase checking account. After that, the below are wire attempts ( XXXX successful ) made from my checking account to other Chase accounts and other banks between XX/XX/XXXX and XX/XX/XXXX. 
{$8000.00} to Chase Rejected {$8000.00} to Chase Rejected {$14000.00} to XXXX XXXX XXXX  - Rejected {$10000.00} to XXXX XXXX - Rejected {$11000.00} to XXXXXXXX XXXX XXXX  {$17000.00} to XXXX XXXX - Completed {$8200.00} to XXXXXXXX XXXX - Completed I received several pop-ups on my phone asking to confirm the wires ; all of which I declined. I received one phone call from Chase and received a pop-up message from the Chase App confirming that I was speaking to an actual Chase representative XXXX 
XXXX XXXX  XXXX rejected the wire because the name did not match that on the account. However, XXXX XXXX and XXXX, were less diligent and let the wire complete. 
Chase has denied my fraud claim and insists I performed these wires even though there is no history of wire transfers from my account. And I have no accounts at XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I want to file a formal complaint against Midland Credit Management LLC for egregious violations of my consumer rights. 
It has come to my attention after reviewing my credit report that Midland Credit Management LLC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts. 
I am unaware of this debt and I have no knowledge of these debt. 
I hereby declare my revocation of all communication channels with Midland Credit Management LLC including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Midland Credit Management LLC provide a purchase order agreement between them and the alleged original creditors. I am particularly concerned about this collection account which has been posted to my credit report. 
I demand the immediate deletion of this account from my credit report. 
The date on my consumer report indicating that I opened an account with Midland Credit Management LLC is blatantly false. I neither received any services or products from Midland Credit Management LLC or entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. It is also very deceptive. 
Midland Credit Management LLC is in violation of the Fair Credit Reporting Act he Fair Debt Collection Practices Act and it also Defamation of Character.Midland Credit Management LLC has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on my credit report. 
Midland Credit Management LLC has not given me a chance to dispute accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) This company is violating my consumer rights by using false misleading misrepresentation and utilizing deceptive means.

Collection agencies have no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures required by law.

The actions of this company constitutes clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ).

I am formally demanding the swift permanent deletion of these collections from my credit report on all the Credit Reporting Agencies that they reported to and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions Account numbers XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I found a bill that was sent to my address and I never purchased anything from the store. Now Im over XXXX in debt with them and never bought anything from them. I want this resolved fast so I am not the one responsible for something I didnt do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: NJ

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. 
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative.

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 2024-04-03 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: NJ

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. 
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
One Main Financial Deceptive Sales Practices. When I tried to trade the car, it was not listed as a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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 reported an identity theft back in XXXX since then I noticed a charge off on my credit for a vehicle not purchased or authorized by me. I have filed several reports with all three credit bureaus to have this derogatory account removed and to date in XXXX they still have refused to remove this account. I am once again asking that this account be removed from my credit report on all three bureaus it has been investigated as an identity theft I have attached police reports as well as other identity theft reports. I need for this to be removed immediately in the interest of my job. I can not have derogatory marks of any kind on my credit. The name of the Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I also have several incorrect spelling of my name names that I've never used and addresses that are incorrect that I am also listing below. The addresses and names listed below are incorrect, and should be removed from my credit report : 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 non-monetary relief
Consumer complaint received 2024-04-03 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: WI

Complaint narrative:
I am so displeased with the way my information was used. I have been trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX  health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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