vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 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.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
yes i have capital one credit card. i tried to use it a week ago at a store and was declined, called capital one was told to send my nj drivers licence over by photo electronicaly they received it to verify it was my account waited 4 days finally they called me .i wasnt home i was working .when i called them later that night i was told there was more fragulent activity on my card i did not try to use my card since i was told there was some suspisious activity on my card. was told to send 3 documents on XX/XX/year> my drivers licence a utility bill and my social security card..we scanned them on our end it said sent succesfully when we contacted capital one .they said the documents were not able to be verified. we went over and over with them on this .and now without any explanation they have closed my account out indefintley without explanation telling me i am only able to make payments still. this should be considered criminal activity .i am having health problems dealing with this company.i shouldnt have to pay for something i no longer have. i now i have to pay the money back on the card but the way there handling this is a nightmare for me.i am even afrad to pay the credit card off becuase this activity from them is sketchy. please help i have no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2024, I noticed on my credit card account ( # XXXX ) had an unauthorized transaction for {$39.00} from XXXX posted. I never purchased anything from XXXX on that day, for that amount. Somebody else used my credit card information fraudulently ( which is unfortunate, because my account was relatively new ). However, I complained to Capital One, first as fraud claim, but their inept claims department decided it was not fraud simply because I had a history of transactions from that merchant. After speaking with a customer service agent, I then changed my complaint to a dispute of the charge. On XX/XX/2024, I submitted a lengthy response form and a screenshot of my XXXX account ( which shows no history of the transaction ). However, in less than an hour, their inept claims department rejected my dispute on the grounds that it " lacks all of the previously requested information needed to validate your dispute. '' All of these documents have been attached to demonstrate the fraud that Capital One is engaging in. Capital One can not even tell me what I purchased and are only willing to provide more information to me, such as XXXXXXXX XXXX reply to my dispute, if I provide a legal subpoena, or in other words, they appear to be hiding behind legal procedure in hopes consumers give up. Capital One 's transparency sucks, just like their claims of protection from fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
XX/XX/XXXX, total due to redeem XXXX, the XXXX XXXX XXXX was sold, leaving a balance that has been reported on the credit report which I have opt out of, the vehicle was repossessed in XXXX of XXXX by Bridgecrest Finance Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: WA

Complaint narrative:
A child support case was unlawfully opened In XX/XX/2010 No due process was given I went to department of social health and services and requested the summons and complaint, proof of injury in fact, proof of service, default and the judgment paper. I was only given proof of service. Which the address stated on the paper was not the current living address for me. And A copy of Certification Of Birth Record. I also went down to my local county clerks office to request the judgment paper and was told there was never a case opened against me, which again makes it unlawful according to 45 CFR 303.5 Remove This unlawful " debt '' from my credit report immediately ( XXXX XXXX ) XXXX not get my permission to report anything on my credit consumer report nor does ( XXXX XXXX XXXX have my permission to report anything on my credit consumer report. This transactions never started as a debt

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 2024-03-07 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed that an account was not reporting accurately. I had one late payment on an account that it was in fact paid on time. The consumer reporting agencies have need to report all information with the correct accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). I'm now requesting for you to investigate and provide verifiable proof with records showing that I had late payments. if this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed that an account was not reporting accurately. I had one late payment on an account that it was in fact paid on time. The consumer reporting agencies have need to report all information with the correct accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ). I'm now requesting for you to investigate and provide verifiable proof with records showing that I had late payments. if this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: GA

Complaint narrative:
Email sent XX/XX/XXXX : " Dear Healthcare Finance Direct Team, I am writing to you as a customer who financed treatment through XXXX XXXX XXXX via your services. This correspondence is in light of the recent shutdown of XXXX XXXX XXXX and its direct impact on the service agreement we entered into. 

Account Information : XXXX XXXX XXXX  Contact : XXXXXXXX XXXX XXXX I want to bring to your attention the cessation of essential services that were promised as part of my treatment plan with XXXX XXXX XXXX These services include customer support, access to the XXXX XXXX XXXX app, aligner replacements, final retainers, lifetime smile guarantee, access to a registered email care dentist locally and more, which are no longer available due to the company 's shutdown. 

Under these circumstances, it appears that the terms of our agreement have been fundamentally altered, as the services for which I am making payments are no longer being provided. This raises serious concerns about the continuation of payments under these changed conditions. 

I hereby request an immediate review of my account and suspension of future payments until a fair resolution is reached. It is crucial to reassess our financial obligations considering the current inability of XXXX XXXX XXXX to fulfill its contractual promises. 

This situation not only affects me but also impacts numerous other customers in similar circumstances. We believe that a collective review of this situation is necessary to address the concerns of all affected customers fairly and equitably. 

I look forward to your prompt response and resolution to this matter. Please do not hesitate to contact me should you require further information or clarification. 

Thank you for your attention to this urgent issue. 
Sincerely, XXXX '' Secondarily, I made XXXX payments of {$110.00} each in XXXX and XXXX of XXXX ( {$220.00} total ) that were paid and my HFD account shows that I did not pay them. On XX/XX/XXXX, I sent proof to XXXX that my bank account shows the payments made to XXXX and they claim they're " working on it '' in their response on XX/XX/XXXX but I've still not seen or heard any update on why my balance is incorrect. In all the letters they've mailed me, they are misrepresenting the balance owed AND threatening to send me to collections. Their collection calls also warn they'll be sending me to collections which will hurt my credit which is unlawful. 

Regardless, they voided their contract and can't honor the lifetime guarantee and XXXX isn't a lender. The contract states that they're a payment processor for XXXX XXXX so collections on this account is unlawful. These accounts and contracts should be dissolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Around the first week of XX/XX/XXXX, we received XXXX letters regarding some products and services with Wells Fargo that we NEVER knew or had any business with. They sent XXXX small checks for interference and any bad causes they may have. They promised that we would receive the checks in 30 days. Well, that never happened. It took over XXXX months for us to see all XXXX checks. 

Here recently, we got more letters with Tracking Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and she advised that for the inconvenience and wrongful transactions, Wells Fargo will mail out an additional XXXX {$1000.00} checks, each tracking number. XXXX stated that on tracking XXXX XXXX we needed to speak with XXXX XXXX XXXX XXXX XXXX XXXX 

Well, I did speak with XXXX many times, and for some reason, we went back and forth trying to connect with my Wife so she could ask her any additional questions she needed. 

Here is the BIG problem we had with XXXX XXXX ( Wells Fargo Agent ) : how rude she was and how she hung up on us on XXXX XXXX XXXX XXXX XXXX XXXX  needs to be coached or fired from her post. 

We are trying to settle tracking number XXXX, my Wife 's case, with the XXXX XXXX. 

I would appreciate it if a supervisor could call me directly XXXX XXXXXXXX. 

That is why Wells Fargo is making the news, being sued, and getting closed out. They are not doing the right thing, and they are making illegal transactions to meet their bottom line.

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 2024-03-07 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: U.S. BANCORP
State: IL

Complaint narrative:
4 Subject : Complaint Regarding Violation of FCRA by USBANK Dear CFPB, I am writing to file a formal complaint against [ Bank Name ] regarding a violation of the Fair Credit Reporting Act ( FCRA ). The nature of this complaint is rooted in the bank 's failure to adhere to its commitment to pay and delete a debt from my credit report, despite my fulfillment of the payment terms. 

Account Information : Creditor Name : US BANK Account Number : XXXX Chronology of Events : 1. I entered into an agreement with US BANK to settle a debt with the understanding that upon receipt of payment, the bank would promptly initiate the process of deleting the associated negative entry from my credit report.

2. I fulfilled my end of the agreement by making the payment to US BANK, in accordance with the terms specified in our agreement.

3. Subsequent to the payment, I have diligently monitored my credit report and noted that the promised deletion has not occurred, thereby violating the terms explicitly agreed upon. 

This incident constitutes a clear breach of the FCRA, which mandates that information reported to credit bureaus must be accurate and must reflect the actual status of an account. Additionally, the FCRA grants consumers the right to dispute inaccurate information and ensures that credit reporting agencies conduct reasonable investigations in response to such disputes. 

I kindly request the CFPB 's intervention to investigate this matter thoroughly and compel US BANK to fulfill its commitment by promptly deleting the inaccurate entry from my credit report. 

Your prompt attention to this issue is appreciated, as it directly affects my creditworthiness and financial standing. 

Thank you for your assistance.

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 2024-03-07 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: GA

Complaint narrative:
This is a violation of U.S. code 1681i ( 5 ) removal of inaccurate/invalidated credit information. Please remove all accounts listed below immediately. 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 # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: OR

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: OR

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I took out a loan to purchase some shoes from XXXX XXXX. I never received the shoes from XXXX and then once I requested a refund affirm. They deposited {$46.00} into my account and the remainder {$80.00} they told me they had to give me a check because they couldnt deposit the money into my account which doesnt make any sense because if you were able to deposit the {$46.00} you could have deposit The rest of my money I dont understand I contacted my bank they canceled that debit card but they said it shouldnt be no problems with them refunding my money now they were able to deposit {$46.00} and the remaining {$80.00} I have still not yet received theyre supposed to send me a check within 30 days which is not fair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am displeased with Experian 's handling of fraudulent accounts on my credit report. XXXX swiftly removed these accounts, but Experian has not, violating its obligations and damaging my financial standing. 
Remove the following accounts immediately : 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