vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I called CCS this morning and asked for the specific date I last spoke to someone. 

On XX/XX/XXXX when I spoke to CCS a debt collector I was asked if I wanted text messages and specifically said " No I only wanted physical mail ''. I have received 2 texts since then. First text on XX/XX/year> at XXXX and the second text on XX/XX/year> at XXXX. 

I called today after speaking to an acquaintance that told me if I had said no to text messages that it was a clear violation, and I should be able to report it. But first call as companies would rather negotiate lower to avoid a complaint. Discussions with CCS did not go as I had planned, and I have decided that it was time to file a complaint as they did not seem to care if I did or not. 

My ultimate feeling about this is 2-fold. 1. XXXX caused a lot of financial issues with a claim that could have been avoided. Even though I do owe them for the amount they should have taken accountability to make good on the costs that they caused outside of the normal deductible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My loan got purchased form XXXXXXXX XXXX XXXX to NEWREZ and it has been absolutely horrible. This happened in XX/XX/year>. During this period myself along with every other florida resident receive a massive increase on insurance. Do to this I have been trying to get my insurance escrowed for over 4 months now. I originally tried to get this done prior to switching insurance. Overall I am currently not paying money into escrow do to NewRez not doing it. I have gone around and around with them and they do nothing. Absolutely worse experience I have ever had with a mortgage company. Item is still not resolved. Felt I had to do something so I figured I would reach out to the CFPB.. I had no option of working with New Rez, I have heard for many years they are horrible, not sure if this will even do anything but I really have no idea how they are able to conduct business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I went in to open a banking account at XXXX XXXX bank and I was advised that I was only going to be able to open an account up under a program called the XXXX XXXX because, of some information that was sent from XXXX XXXX XXXX that I had Prior Checking accounts open that were in the negative and in Collection with XXXX XXXX XXXX. I contact them and set up an account and they sent out a report an on that report I realize there were XXXX banks that were reporting on me that I had never open up. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Wells Fargo. I immediately start sending out dispute letters to all XXXX companies asking them to Verify and Validate these account to show proof that they are not my accounts and I sent XXXX letters in total to XXXX XXXX XXXX and XXXX letters to all three banks and each one just sent back a letter stating that this account is verified as accurate. I believe under the 15 U.S.C. 1692g ( FDCPA ) I have to right to see and receive this verification which they have fail to provide in over 90 days of sending out dispute letters and waiting on their responds back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: MD

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating several accounts on my credit report. I have identified outdated or incorrect information related to these accounts, and I am eager to ensure that my report accurately reflects my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: TX

Complaint narrative:
The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) a court order. d ) employment. I recently pulled a copy of my credit report and noticed inquires that I did not authorize and do not fit A, B, C, or D above. I also sent an FTC report 30 days ago. Remove the following inquiries : 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 2024-08-12 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: TX

Complaint narrative:
Experian refusing to look at my dispute. 

My Dept of Education student loans were paid off and I received a confirmation letter of a {$0.00} balance on the loan ( paid in full ), from the servicer, XXXX. My loans were still on my credit report, so I filled out an online dispute with the three main credit bureaus ( Experian, XXXX and XXXX ). The dispute with Experian was reported as resolved within 24 hours, but they did not change anything. It is clear they did not look at any of the documentation provided. I called the Experian customer service line and, after trying to navigate through their nearly impossible phone tree menu ( that did not have an option that matched my need ), I was put on hold for 45 minutes. Once a " specialist '' answered, he refused to actually do anything other than encourage me to file a new dispute. He seemed intent on me not doing it on the phone and kept saying things to discourage me from doing so. He said they needed a letter from the servicer, when I noted that I had provided such a letter, he simply became a broken record and refused to help. Essentially, they refused to examine this issue and refused to fix the mistake on my credit report. I have not heard from the other credit reporting agencies, indicating they are likely actually investigating ( but if not, I will be back ).

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 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
application XXXX with Capital One was denied. upon original application, i received a message that they needed to verify my information and sent a link for me to upload my social security card and front and back of drivers license, i submitted via hyperlink and called in to confirm receipt, they advised after 3 days they didn't have it and provided a fax number for me to send. called back, they confirmed receipt and the application was denied as unable to verify my identity. i found this peculiar as the information has hit my credit report as an inquiry, i have reached out weekly as i have not received the denial notification, yet still advised verbally the application is denied and they aren't able to advise why. I am now leery as to if this application was valid and truly went through Capital One, even with people being able to access the application over the phone. There is no way for me to validate what is going on and if this was truly Capital one, yet i have faxed and uploaded my personal information and photo identification card. fax sent on XXXX fax number XXXX verification of fax received. phone number i have been contacting is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several inquiries done by someone trying to use my identity fraudulently. I did not submit these requests for my credit to be pulled. 

Please remove these unauthorized inquiries immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: MD

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating several accounts on my credit report. I have identified outdated or incorrect information related to these accounts, and I am eager to ensure that my report accurately reflects my current financial situation.

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 2024-08-12 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has viclated my rights. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: DISCOVER BANK
State: SC

Complaint narrative:
To Whom It May Concern : I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. However, I am aware that many disputes are processed using automated software like XXXX, which can lead to mistakes and limitations in conducting a thorough investigation. Therefore, I am disputing the following information directly with you, the furnisher of this information, and requesting that you conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ) Section 623 and enforceable by FACTA Section 312. I am questioning the accuracy and completeness of this account 's information as reported by your company. 

DISCOVERBANK XXXX {$2300.00} FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

After conducting some research, I understand that I am legally protected against such inaccuracies. This letter serves as a formal dispute under the Fair and Accurate Credit Transactions Act ( FACTA ) section 312. According to this law, I have the right to dispute credit information directly with you, bypassing the credit bureaus. I have already gone through the so-called investigation process with the credit bureaus, but now I am exercising my right to dispute this matter directly with you. If you are unable to perform a reasonable investigation or can not locate the necessary documents to investigate my dispute, you are required by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account. If you conduct a proper investigation and confirm that the information is accurate and complete, please provide me with an explanation of the methods used and a description of the records reviewed. Additionally, please send me a copy of the information so that I can verify the accuracy of your records. This letter was prepared and sent by me independently, and I request that all correspondence regarding this dispute be returned to me at the address listed above. This letter is an effort to correct any false or misleading information you are reporting on my credit reports and to correct your records. 
Specifically, I am disputing the following aspects of the account : All balances and amounts reported. 
All dates reported. 
Any prior payment history reported

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: CIG FINANCIAL LLC
State: TX

Complaint narrative:
To whom this may concern, I XXXX XXXX am writing this letter because AUTONATION FINANCE has posted an account to my consumer report that does not meet XXXX XXXX compliance and has violated several consumer laws. 15US Code 6802 ( b ) opt out. The consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed. The consumer is given an explanation of how the consumer can exercise that non-disclosure option. AUTONATION FINANCE did not supply me with proof of notification given the option to opt out of this information being reported. This is a direct violation of consumer law that carries a fine of {$1000.00}. They also failed to provide proof that they followed all of the XXXX compliance regulations for this information to be reported. No documentation was given to me showing proof of this information, simply telling me they followed rules and regulations is not acceptable for reporting. Please remove this account form my consumer report because it does not meet nor follow consumer law and XXXX compliance as I provided and proved above. AUTONATION FINANCE did not provide proof that they mailed me letters as required by XXXX. A copy of this letter has also been forwarded to the attorney general office and if this account is not removed as soon as possible legal action will be taken. After you remove this account, I demand that you cease and desist all communication, this is my official notice if you do not comply with this request, legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I'm reaching out because there's an error on my credit report regarding my student loans. These loans are currently in the process of being forgiven by the government, but that isnt reflected in my report. 

Ive attached screenshots from XXXX and XXXX that show this. Despite the ongoing forgiveness process, the incorrect information is still on my report, which is affecting my credit score. 

Id really appreciate it if you could look into this and update my report to reflect the accurate status of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: NJ

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-12 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: NJ

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I purchased a car from credit acceptance and GAP insurance was added to my loan. They said it will pay if something happens in the future. But when my car was total two months ago. They failed to keep Thier promises. After insurance gave them XXXX dollars for total lost which left a balance of XXXX but now they want me to pay it. First the car valued at XXXX but in total I paid them XXXX so they overcharge me from the beginning and then misleading me to pay XXXX for GAP. The vehicle was 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 2024-08-12 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I called Capital One on XX/XX/year> prior to leaving for an international trip to notify them I was going abroad and that my XXXX XXXX would be the only credit card I had with me due to recent theft of my wallet with other cards. I was assured that the card did not need any notification placed on the account and it would be safe to travel with this as my one credit card abroad, and that if there were any restrictions placed I could resolve them over chat and the app as I would not have a cell phone plan on vacation. 

When I reached XXXX my card was restricted within 48 hours of arriving on XX/XX/year>. I was able to get this restriction removed after calling via WiFi to unlock it. However two hours later on XXXX it was restricted again for a XXXX XXXX  sandwich purchase. 

I used WiFi to call back immediately, and this time I was told I could only turn my phone back on if I could receive a text message to an American phone number. I explained that was impossible as Im abroad without a cell phone plan. Even if I wanted to purchase a cell phone plan to get the code I couldnt b cause my card was locked, so I could make no purchases. They said it would take 1-10 business days to resolve. I explained I could buy no food until it was turned on so I urgently needed it fixed, could they ensure it was resolved in one business day. They told me there was no way to do that, refused to escalate my call, and then hung up on me while I pleaded with them. 

I am now having to try to find friends of family in XXXX who can loan me money while this is sorted out. Its a total nightmare.

Company response to consumer: Closed with explanation