vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 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. these are the accounts : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX and so on

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 2024-03-18 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: CA

Complaint narrative:
" I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2024-03-18 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: CA

Complaint narrative:
" I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2024-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Trust Financial LLC
State: WY

Complaint narrative:
I moved from south fork apartments in XXXX. I had given them a written notice and returned keys etc. I had also given them my new address. 

In XXXX I was notified that I was sued and my wages were going to be garnished. I had sent the collection agency a dispute letter and that responded that they did not have to respond. They were going to garnish over half of my paychecks and even tried putting a lean on a property that was not mine. I tried to go to south fork apartments to see how they could verify of my written notice and my Keys I turned in. They did not document and have no cameras so I was unable to prove my innocents. I had not renewed my lease and my lease was also over. XXXX XXXX committed fraud As a single mom I had to take out a loan because I could not afford to raise my child and have monthly payments with the collections agency garnishing over half my paycheck. I had no knowledge of next steps to take and could not afford an attorney. Both the collection agency and the rental apartments need to be brought into question of their intent and trustworthiness Also : In accordance with the Fair Reporting Act these creditors has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy 15 USC 1681 section 6O4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: KY

Complaint narrative:
I have had my CapitalOne QuickSilver card for many many years. In XX/XX/XXXX I disputed four charges from an outfit called XXXX XXXX that were made in XXXX, XXXX, XXXX and XXXX of XXXX totaling {$1000.00}. I never heard of this company and certainly never made these charges. I filed a dispute claim in XX/XX/XXXX. CapitalOne said they'd investigate. I didn't hear from them until I received a letter dated XX/XX/XXXX, XXXXThey claimed the charges were valid. I knew the charges were fraudulent and protested and, after a lengthy discussion, CapitalOne acknowledged they had never investigated the charges. The official excuse was that too much time had elapsed between the final fraudulent charge ( XXXX ) and the month I filed my dispute claim ( XXXX ). So, I ended up having to pay {$1000.00} for fraudulent charges. 

Then in my most recent statement ( received in XXXX XXXX ) there was another fraudulent charge -- this one for {$920.00} -- unrelated to the XXXX charges, but one I had earlier complained about and had thought had been resolved. This one is now supposedly being investigated. Whether that will happen or not, I do not know. 

I intend to cancel my CapitalOne credit card as I have no longer any faith in their fraud investigative department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I have been financing a car since XXXX. The finance company repossessed the car last year. I got the car back before the auction and paid all the fees. They sent a reinstatement package months after I asked them about it. once I completed the package and asked for a follow up they said it was complete. However, the car was not reinstated in my name and therefore I can not get the tags renewed. I had contacted them via email about it and it took them months to get back to me about a reinstatement packet ( Which they failed to mail the first time ). I filled it out and sent back the information they needed within XXXX business days. They have still not provided me any new information or even who to contact everything said has been a dead end where no one answers or i get hung up on. I have been stopped by police stating that the license plate is not associated with the vehicle. So i am unable to do anything with the car. The company westlake financial hasn't given me any answers as to why this hasn't been fixed. I have emailed and called to no avail. They say over email the problem is fixed however it is not. They havent given me any information on what to do going forward. this is really an inappropriate business practice. As I didnt know that the car wasn't registered to my name for almost XXXX whole year. This is fraudulent because this affects my credit if I dont pay however my name isn't even associated with the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I receivd notification replacement card was sent XX/XX/23. As previous card was to expire XX/XX/23. Four calls were made plus today to inquire the location of replacement card and why it has not been received. These calls would go either ignored by " ordering '' additional cards OR by agent refusing to accept customer identifiable information to verify the validity of the account. Yet account has since been closed without my knowledge, AND initial card deposit amount of {$400.00} was applied to a " different card '' during the closing process. Citi bank is in the process of ruining my credit by this process. They are expecting me to pay for an account that I have no access to and unable to utilize. Please note, my card account was paid in full EVERY MONTH so there should NOT have any reason my new card was lost, not once, not twice, not three times. But a total of 4 requests since 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 monetary relief
Consumer complaint received 2024-03-18 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: UT

Complaint narrative:
In accordance with the Fair Credit Repoorting Actthis creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: FL

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: NC

Complaint narrative:
Equifax is allowing false information report on my credit file. I have been the victim of fraud and identity theft in the past. they are allowing 3 accounts to report falsely : XXXX XXXX XXXX, XXXX  XXXX , XXXX, and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
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. these are the account : CAPITAL ONE || Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: NC

Complaint narrative:
Wanted to get a debt consolidation loan and/or a home equity loan. Tried my bank as well as the mortgage company. Was denied for both and ended up refinancing my mortgage at a higher interest rate because Equifax has been continuously reporting on my credit report that I have serious delinquency. For the past several years, I have been diligent in paying my accounts on time and none are showing 30 days or more late based on the credit report I went over with the credit bureau representative and the report mailed to me. I have asked them to correct the issue and nothing has been done. This has cost me with the higher rate terms on my current mortgage. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Instead, they send kind letters stating they're here to help and on the backend, they are sending it to foreclosure. 

Complaining to the DA here in California is not possible because they have turned off the link to file a complaint with them and the real estate fraud occurring at the same time. 

You will see 10 notices and a loan document for me to sign attached providing proof of my complaint. They need to have their licenses revoked and fraud charges made against all parties to this property grab.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
2 months ago they charged me {$1.00} on a CC i dont use anymore, I didnt get any notifications nor expected to be charged. That grew into late payments and ruined my credit score by XXXX points. I called the bank, explained, they apologized and gave me refund on the charges but my credit score is still ruined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received an AMEX gift card which I can not register on the AMEX website. Therefore when trying to use the card to make purchases online the card is declined. I believe the issue is because the card is unable to be registered to a zip code or name so the online merchants are unable to process the transaction. I have researched this issue and found that many people are unable to use AMEX gift cards for online purchases and report this same problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: VA

Complaint narrative:
XX/XX/XXXX ( approx ) Direct Express turned off my benefits card due to fraudulent charges in my account THAT THEY noticed. I was given a new card and when i looked at my DX statement a long series of fraudulent charges from the same place, totaling {$240.00} had been deducted from my account. They started off small and over time increased the amount. These were not MY charges. Charges were made in the XXXX play store which is the app store for android phones. I have an iphone and have had for the last 2 years. Even though they made me aware of the fraud they denied to return the stolen money. I am on XXXX and XXXX is one third of my monthly income. Please help me. I see mant similar stories inline where DE customers have the same charges from the same place and cant get DE to return their money. The letter they sent me said if i appeal and turn in paperwork within 10 days, that a provisional amount would be put in my account. I sent the doxuments they requested and they have not even responded nor put anything in my account. Please see screenshot of email date and note the due date they set.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I called TDBank/XXXX  XXXX  after I was told I had a late payments I had talked to one of their agents and was informed I could make a higher payment to pay for additional months in advance. I did this in good faith that it was possible, soon after the issue resolved that i was past due. XXXX told me their wadnt anything they could but pull a call and i was told that I couldnt do it with them. I took a XXXX credit ding on this due to their agent giving false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: EQUIFAX, INC.
State: FL

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: FL

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating 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
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating 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
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
I received a copy of my Credit report and Disputing An Item that needs to be deleted. on XX/XX/XXXX an account with XXXX XXXX was opened up fraudulently in my name. The balance is {$130.00}

Company response to consumer: Closed with explanation