vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 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: LA

Complaint narrative:
As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX -Account NumberXXXX  XXXX XXXX XXXX -Account NumberXXXX XXXX XXXX XXXX XXXXAccount Number:XXXX XXXX XXXX -Account Number:XXXX XXXX XXXX  XXXX - Account Number: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 2024-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I called NewRez on XX/XX/XXXX, XXXX, and XXXX about them automatically taking funds out of my checking account without my consent or authorization. I was able to get these refunded and confirmed on XX/XX/XXXX as they were posted in my checking account. 

I have sent XXXX letters to NewRez requesting information about their account XXXX ( see attachments ). I called XX/XX/XXXX and spoke with " XXXX XXXX XXXX '' emphasizing on a recorded call that I did not have a wet signature signed contract with NewRez as well as when a contract exists only between the original parties, no XXXX party can obtain rights contained within a contract or buy or sell a contract without the express written permission of the original parties. I reiterated, show me a signed wet ink contract between the two original parties. They should be able to provide a ledger showing the XXXX XXXX XXXX Principles for this account. I told " XXXX '' I sent the second letter certified and he said he would follow up on that. As a result of this phone call I started a letter dated XX/XX/XXXX. XXXX days later I received foreclosure letter on XX/XX/XXXX on my front door. ( foreclosure letter was dated the same date as my phone call on the XXXX ). The foreclosure letter states they hold the Promissory Note and the Deed of Trust under Auditors File No XXXX. This is not true as XXXX held these as stated in previous correspondence this loan has been paid off. 
They are perpetuating a scam and hold no good faith as you can see they sent those letters the same day I called and spoke to XXXX. 
These letters I sent NewRez addressed the following : 1. I do not owe this debt. 2. I requested more information about this debt. and 3. The third letter would have addressed them to stop contacting me ( cease and desist ), but because they never addressed my requests and putting a foreclosure notice on my front door I decided to submit a claim through CFPB instead. 
I am also attaching the foreclosure notices I received on XX/XX/2024. 
Please advise next steps or the best way to proceed going forward. 
Regards, XXXX XXXX XXXX ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: NY

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Multiple accounts on credit file that are the result of identity theft and credit reporting company will not remove from file.

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 2024-06-28 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: IL

Complaint narrative:
Multiple accounts on credit file that are the result of identity theft and credit reporting company will not remove from file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: NY

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-06-28 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: NY

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-06-28 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-06-28 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: CA

Complaint narrative:
Upon checking my credit report, I noticed it has some information that are false and not the maximum possible accuracy. These inaccurate information is causing unnecessary stress and is affecting my life and my credit score negatively.

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 2024-06-28 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: OK

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 non-monetary relief
Consumer complaint received 2024-06-28 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: OK

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 non-monetary relief
Consumer complaint received 2024-06-28 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:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: NY

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: MA

Complaint narrative:
I have had a Venture One Visa card with Capital One for many years ( over a decade ). In the past few days I received a new credit card from them and it appears they switched it over to the MasterCard network without my explicit approval. After reaching out to them, I was made aware that I received an opt out option email on XX/XX/XXXX with the innocuous subject " Your credit card is getting an update '' which naturally went unread considering I receive multiple emails from Capital One each week. Practically speaking, I don't think I was provided with a meaningful communication to opt out considering they could have pushed a notification to my phone, given the email a more meaningful subject with a " Action potentially required : '' heading and a mention of Mastercard, or even called or texted to notify me of the significance of this change. 

During my discussion and escalation with Capital One, they insisted that it is completely impossible for them to switch me back to Visa. I'm leaving the country tomorrow and will be without a Visa card ( which is sometimes the only one accepted ) for the first time in my life. I now have multiple Mastercards which is not a situation I am happy with. To have to discard my Capital One Mastercard and apply for a new Visa card elsewhere will have at least a slightly negative impact on my credit score. That is not acceptable considering I applied for credit and signed an agreement to receive a Visa credit card with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This account was the result of identity theft. I have previously filed a XXXX report and a Police report. Both reports given to creditor. This account has also been disputed with all 3 credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXXXXXX XXXX  is reporting me a balance of {$2000.00} and has lowered my TransUnion score XXXX, leaving me with XXXX score. I have called the bank and they said they are not reporting that. The thing is my card currently on a balance of {$200.00}.

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 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I signed up for a free month of XXXX XXXX XXXX on or about XX/XX/year>, using my Capital One account. Before the free month was up, on XX/XX/XXXX, I cancelled the service, by following the link in my invoice, and completing the process. 
XXXX XXXX charged me anyway, for the month of XXXX XXXX XXXX. I disputed this charge with Capital One on XX/XX/XXXX and was given a purchase adjustment. I also asked that XXXX XXXX not be allowed to charge my account for further XXXX service, as I was not able to contact XXXX XXXX directly. 
On XX/XX/XXXX, I was again charged for XXXX XXXX XXXX XXXX XXXX on my Capital One account, this time for XXXX XXXX XXXX I contacted Capital One and again disputed the charge and was given another purchase adjustment on my account on XX/XX/XXXX. 
Meanwhile, I was finally able to find contact information for XXXX XXXX customer service. Their representative on XX/XX/XXXX approved a refund for the XXXX XXXX XXXX charge and issued a refund to my Capital One account. 
On XX/XX/XXXX, Capital One rescinded the purchase adjustment for XXXX XXXX XXXX  as XXXX XXXX had issued a refund for that month. 
XXXX XX/XX/XXXX XXXX XXXX In disputed that I had cancelled in time, and Capital One issued a purchase adjustment to XXXX XXXX for the XXXX XXXX XXXX XXXX service. 
On XX/XX/XXXX I again contacted XXXX XXXX and was asked to provide information. I sent screen shots of my XXXX XXXX account showing that I did not have XXXX service on XX/XX/XXXX, the day after I cancelled, and some additional proof. On XX/XX/XXXX, XXXX XXXX replied that they tried to issue a refund, but received an error. 
On XX/XX/XXXX, I again contacted Capital One customer service. I was told that there was a merchant block on XXXX XXXX, and that it would be removed by XX/XX/XXXX. The same day I contacted XXXX XXXX to ask them to try again after XX/XX/XXXX. 
On XX/XX/XXXX, I asked XXXX XXXX customer service if they were able to process the refund as I did not see a refund on my Capital One card account. They were not able. 
XXXX XX/XX/XXXX I again contacted Capital One. This customer service representative told me that there was never a block on XXXX XXXX, and that a refund could not be processed on my Capital One account, " because there is [ something, a block, but she refused to use the word ] that can not be removed. In no known universe does this make any sense. 
If possible, I would like Capital One to allow a refund on my account. 
All contact with Capital One was done on the telephone. 
All contact with XXXX XXXX was done by e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had unauthorized transaction on my account. I needed to pay a bill and I called and let them know my card was lost and they asked me what my last transaction was on my account. I told them I paid XXXX XXXX bill. They informed me that there was multiple transactions on my account and started the dispute process. Only half of the transaction was credited back to my account and the other half was denied. The other charges started on XX/XX/year> the amount of those charges are XXXX, XXXX, and XXXX. Then the other charges on XX/XX/year> are XXXX, XXXX. Totaling of XXXX that was not credit back. I was never given an explanation and they also closed my account stating that it is to prevent other fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I froze my credit earlier this year due to the XXXX XXXX XXXX data breach. I tried to unfreeze my credit on Experian 's website, however, customers can not open Experian 's website without pulling their credit report ( which one can not do if their credit is frozen ). I tried calling their customer service number ( XXXX ), but no matter what option selected, you are told you can not speak to a live person. On their website, it says a pin is no longer required to unfreeze credit reports. On the automated system, it states a pin is needed to proceed to unfreeze or you must mail a letter. I mailed a certified letter via USPS to Experian, which was received XX/XX/year> ( tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am still unable to access my credit report. 
I want to apply for new jobs, and this is a severely impacting my ability to do so. Unfreezing my credit on XXXX and XXXX only took a few simple steps. Please help!

Company response to consumer: Closed with explanation