vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I recently looked at my credit report and there seemed to have been some changes on a Capital One charge off account from XXXX. I have disputed this account in XXXX because of reports that is still showing charged off in XX/XX/XXXX when I paid the account in XX/XX/XXXX which is an error. I also took measures to email the CEO, XXXX XXXX on XXXX, and XX/XX/XXXX at an attempt to resolve this matter and was met with no response for all three attempts. As of XX/XX/XXXX XXXX showed me the account that was negatively impacting my score and suggested I reached out to the lender, which is Capital One. I called the Capital One customer service line XX/XX/XXXX. I spoke to an account representative to try and resolve the issue and to see what information specifically was being reported. I wanted to file a dispute about the information reporting to my credit and the representative made me aware that my dispute that I had submitted from a year ago, XX/XX/XXXX had was showing still in progress so they did not let me move forward submitting a current one. I asked to be transferred to their supervisor in hopes of getting answers why a disputed I submitted a year ago was still being investigated. The supervisor could not provide me with any helpful information and suggested that I reach back out to them on the dispute I submitted a year ago, I was not reassured that I was going to get any help with a contact back or when I should expect for the issue to be resolved. I feel like because this issue was not resolved properly with Capital One a year ago and is the reason why my credit report is being adversely affected. The dispute has been in the system for well over 30 days and I am feared that my personal information is at risk due to the lack of security and urgency for my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: PA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

has violated 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 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than seven 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: NE

Complaint narrative:
Upon reviewing my credit report, I am XXXX by the discovery of a late payment notation, despite not having any late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: NE

Complaint narrative:
Upon reviewing my credit report, I am XXXX by the discovery of a late payment notation, despite not having any late payments.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: GA

Complaint narrative:
I am writing to formally dispute the information being reported on my credit report concerning an account with VW Credit ( Account Number : XXXX ). I have noticed that this account has been marked as " charged off '' in XX/XX/XXXX, which is incorrect and adversely impacting my credit score. 

To provide context, the account in question pertains to a car lease that ended in XX/XX/XXXX. The final payment for this lease was made in XX/XX/XXXX, and the car was subsequently returned in XX/XX/XXXX. There were no outstanding payments or issues with the account at the time of the lease termination. 

I recently discovered that VW Credit has reported this account as " charged off '' in XX/XX/XXXX, which is inexplicable given that the account was settled and closed in XXXX. I have spoken to XXXX, a manager at VW XXXX XXXX, who confirmed that there is no apparent reason for this delayed and incorrect reporting. She advised me to file this dispute as she is not a credit specialist and unable to provide a detailed explanation for the discrepancy. 

According to the Fair Credit Reporting Act ( FCRA ), information reported on a consumers credit report must be accurate and verifiable. The current status of my account as a charge-off is neither accurate nor verifiable, considering that the account was fully paid off and closed almost three years prior to this erroneous report. 

Therefore, I am requesting that VW Credit correct this error immediately by updating the account status to reflect that it was paid off in full as of XX/XX/XXXX, with no charge-off status. This adjustment is crucial to rectify the negative impact on my credit score and restore my ability to apply for new credit without undue hindrance. 

Please confirm receipt of this letter and inform me of the steps that will be taken to correct this error. If you require any further information or documentation from my end to expedite this process, please do not hesitate to contact me at XXXX. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-31 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-31 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: NE

Complaint narrative:
I have identified unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Wells Fargo Account was clone and I got 4 separate charges that add to {$1000.00} dollar for a hair dye, some where in XXXX, I never traveled to XXXX or had done any online purchase in XXXX. I called the bank back in XXXX when I got the charges back to back on XX/XX/XXXX, XX/XX/XXXX ( 2 times that day ) and then XX/XX/XXXX. I called Wells Fargo to dispute and get the money back. they have not done anything to help me they have information incorrectly added to my account. After all this my funds have not been reimburse and Its an ongoing battle. I did the police report and the federal fraud report as well .... Me as a single mom Dont have time or money to waist on hair dye like that. need your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Dispute letters were sent to the credit agencies and they did not delete the account that is affecting my credit.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Dispute letters were sent to the credit agencies and they did not delete the account that is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Dispute letters were sent to the credit agencies and they did not delete the account that is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
On XX/XX/XXXX, a Newrez employee misappropriated funds from my escrow account to purchase lender 's insurance for a policy that I had in place since purchasing the property in XXXX. I was unaware of this misappropriation until I received a late fee notice on XX/XX/XXXX. Since then, I have made over six phone calls, each lasting over an hour, speaking to numerous employees in escrow, insurance, customer service, and two supervisors. Each department blamed someone else for the problem. 

All of these employees fully understood the sequence of events. On Friday, XX/XX/XXXX, I called to complain that while they finally obtained proof of insurance and refunded the misappropriated funds on XX/XX/XXXX, they have failed to recalculate my payment or refund the erroneous late fees. 

My XXXX XXXX account is set at {$1000.00}, while the bogus charges by Newrez amount to {$1000.00}. The supervisor I spoke to informed me that as a supervisor, they can ONLY refund one late fee per account. She then said I would have to file a written complaint to escalate the issue. I requested that she escalate my complaint immediately, and she assured me that she would and that I would receive a call. I never received a response. 

In addition to requesting my complaint be escalated, I requested a copy of all my complaints be sent to me. Last Friday, it occurred to me that all these employees were aware of the sequence of events starting with the misappropriation of my escrow account. The name and number of the insurance company should have been in the file from previous years. There was no reason for me to provide the number three times before they obtained proof of insurance. Even after obtaining proof, they failed to correct the problems they created. 

On Wednesday, XX/XX/XXXX, the Newrez employee I spoke to said I have not paid the full amount in three months and if I wanted to avoid late fees, I should pay the full amount. 

The facts of my case clearly show that the employees understood the problem but failed to resolve it. If upper management did not orchestrate this behavior, they must evaluate and terminate those incapables of resolving the issue despite over XXXX hours of phone calls. The fact that a customer does not have access to a supervisor with the authority to refund three bogus late fees indicates upper management collusion. 

The challenge is not if Newrez attempted to rip me off, but how many others they have attempted to do this to as well. 

on XX/XX/XXXX I recieved a call from NEWREZ debt collection for over {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: PA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-05-31 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: PA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
My student loan minimum was {$200.00} a month. On XXXX XXXX I submitted through the Federal Student Aid website an application for Income-Driven Repayment Plan/ SAVE repayment plan in hopes of some relief. I just had my first child in XX/XX/XXXX. I updated my family size in the IDR application. Instead, on XX/XX/XXXX MOHELA changed my minimum {$470.00} beginning XX/XX/XXXX. This seems to defeat the whole purpose of SAVE and it seems like Mohela continues to mismanage loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX Credit Bureau Executives, I am letting you know about an issue I have noticed in my credit report. Unfortunately, I have been a victim of identity theft and fraud, and as a result, I have been involved in three data breaches so far. I have been working with your team and other organizations to rectify my credit reports and other information. However, I have recently noticed that the fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report, even though it was previously removed. 

I want to emphasize that this account and balance do not belong to me, and I have already taken the necessary steps to remove them from my credit report. I would appreciate it if you addressed this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, 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

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 2024-05-31 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: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX Credit Bureau XXXX, I am letting you know about an issue I have noticed in my credit report. Unfortunately, I have been a victim of identity theft and fraud, and as a result, I have been involved in three data breaches so far. I have been working with your team and other organizations to rectify my credit reports and other information. However, I have recently noticed that the fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report, even though it was previously removed. 

I want to emphasize that this account and balance do not belong to me, and I have already taken the necessary steps to remove them from my credit report. I would appreciate it if you addressed this issue as soon as possible.

Thank you for your attention to this matter. 

Sincerely, 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

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 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Opened credit accounts without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: GA

Complaint narrative:
This is the filling of my complaint to EXPERIAN. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report 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