vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries listed on my credit report as a result of identity theft stemming from a data breach. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information blocked and permanently removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: CA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Obtained this Capital One credit card XXXX of XXXX. In XXXX of XXXX I logged into pay this account and it was frozen. I contacted Capital One and they said it was frozen due to a fraud investigation on their end. I took the employee number and all my notes from this call and was instructed to contact them again the following week. I did and was told the same thing that this account was under a fraud investigation and could take up to 2 weeks to complete. The next day I received a 30 day late on my credit report from Capital One. I reached out again questioning why I received this 30 day late after being instructed to do nothing per their customer service department until the fraud investigation was completed and the response I got is we are not removing the 30 day late and you are now obligated to pay this account in full. I spoke with an attorney and was instructed to wait till this goes to court to fight it. We went to court over the last few months and Capital One failed to provide the discovery of why they froze the account for " fraud '' and the judge dismissed this case. I have talked to all 3 bureaus to have this updated on my credit report and they are instructing me to file a complaint with you the CFPB to get this resolved and removed from my credit. I have reached out to Capital One multiple times as well as reached out to them through their own attorney group during our case to get this resolved but Capital One will not respond and has never responded to any request. This has destroyed my credit costing me thousands in higher interest over the last 3 years as well as prevented me from refinancing my home. Prior to this I never had even 1 30 day late with this credit card. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I pay additional money each month to mortgage servicer to pay insurance and property taxes. On XX/XX/year> I received notice from the county tax collector that the property taxes are past due.

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 2024-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Well, taking a look over my credit report and noticed that there was some inquiries that I did not charge or did not authorize 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 2024-11-18 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: Mortgage One Funding LLC
State: NJ

Complaint narrative:
I applied directly to my current mortgage lender for a HELOC. As soon as I complete the application, I received a text message to set up a call to discuss the application. Today ( XX/XX/year> ) when they call, they talked very quickly and I had to ask several times to identify themselves. They wanted to jump right into my credit history and the man ( XXXX? ) says that I have another hard inquiry to pull out money. This was the first red flag as I was thinking to myself that this information was in my application for the HELOC. I ask again if they are with XXXX XXXX  which is when I finally get a straight answer that they are a company that compares rates, called Mortgage One and they work with the top XXXX lenders. I asked how they got my information and what enabled them to run my credit report as I applied directly to XXXX. XXXX refused to answer and kept repeating that the company works with the top XXXX lenders ; he kept suggesting a complete refinance. After repeatedly asking several times how they got my information, I hung up. I replied back to the text chain that I would be reporting them for fraud. XXXX text, they still did not answer my question and said they received a " general inquiry. '' I never inquired with any company or online except with XXXX XXXX directly. I reviewed my disclosures again with XXXX ; there is nothing pertaining to Mortgage One. What I find most concerning though is that they ran my credit report without my consent. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Repeated Charge-Off Reporting XXXX Dear Capital One, I hope this letter finds you well. I am writing to dispute the repeated reporting of my account as a charge-off. The account number in question is XXXX, and I noticed that the charge-off status continues to be reported multiple times on my credit report for the same account. 

To clarify, a charge-off is a one-time accounting event that occurs when an account is deemed uncollectible after a period of non-payment. According to credit reporting regulations, once an account is charged off, it should only be reported once as a charge-off. However, it appears that your company has continued to report this charge-off status on a monthly basis, which I believe is an error.

I respectfully request the following : 1. Clarification of why the charge-off status is being updated monthly on my credit report.

2. Correction of any inaccuracies in reporting, ensuring that the charge-off is reflected only once.

3. Verification of the charge-off and any subsequent reporting to the credit bureaus, to ensure compliance with the Fair Credit Reporting Act ( FCRA ).

If the charge-off is related to a transferred or sold account, I would also appreciate clarification regarding the status of any collection efforts, and whether any updates to the account should be reported differently.

Please provide me with a written response, including any documentation or clarification that supports your reporting practices. If this reporting issue can not be resolved, I may need to file a formal dispute with the credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
sent certified mail to verify debt being reported. was signed for and delivered XX/XX/24 and no response to verify debt but still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2024-11-18 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: GA

Complaint narrative:
I am submitting this formal complaint regarding Experians failure to update my address on my credit report, which has led to significant challenges in accessing my credit report and scores. Despite my multiple efforts to resolve this issue, Experian has not corrected my address or restored my access to my updated credit report and scores as part of my premium membership. On XX/XX/year>, I began attempting to have my correct address updated on my credit report. However, Experian has not made the necessary corrections despite my repeated communications and submissions of relevant documentation. My address has been removed from my credit report, leaving no active address listed. Due to this issue, I have been unable to access my credit report and credit scores, which are critical to monitoring and managing my financial wellbeing. 
I hold a premium membership with Experian, and this lack of access is a violation of the services promised under this subscription. I have diligently followed all steps required by Experian, including submitting proof of my identity and address. However, no resolution has been provided to date. The delay is causing undue stress and preventing me from effectively managing my credit. I am requesting Experian to Update my address on my credit report to reflect the correct and current information, Restore my access to my credit report and scores under my premium membership. Provide a written explanation detailing the reason for the delay and the steps Experian is taking to prevent such issues in the future. I have attached documentation for proof of identity and proof of address to support this complaint. I trust that the CFPB will assist in expediting this matter and ensuring that Experian fulfills its obligations promptly. Please confirm receipt of this complaint and advise on the next steps. 

Thank you for your attention to this matter. I look forward to a swift resolution.

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 2024-11-18 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: FL

Complaint narrative:
I have told the following companies that they are improperly reporting things that I was victim of identity theft that I did not do. I have filed a case with the FTC 2 years ago. 

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX FUNDING ( POSING AS XXXX XXXX  XXXX FRAUDULENTLY ) XXXX  XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX ) XXXX XXXX ( XXXX TBO XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have told the following companies that they are improperly reporting things that I was victim of identity theft that I did not do. I have filed a case with the FTC 2 years ago. 

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX  ( POSING AS XXXX XXXX  XXXX FRAUDULENTLY ) XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX ) XXXX XXXX ( XXXX TBO XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Thank you.

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 2024-11-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRSTBANK
State: AZ

Complaint narrative:
I went into the branch on XX/XX/2024 to open a cd after seeing an ad on XXXX for a XXXX rate just hours prior. I saved the ad, which has a day time stamp. They refused to give it to me and said that rate was from XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Formal Complaint Regarding Incident # XXXX and Request for Full Reimbursement I am writing to formally lodge a complaint regarding incident number XXXX and to seek a full reimbursement of {$340.00}. I initiated a money transfer with the XXXX XXXX, which was intended to be received by XXXX XXXX XXXX XXXX. However, I was made aware that the name of the recipient was changed by one of your agents without my authorization. 

When I contacted Western Union to inquire about the unauthorized change, I was unable to get a satisfactory explanation. The representative and the supervisor I spoke with could not identify the agent who made the alteration to the recipient 's name, leaving the issue unresolved. This lack of accountability and transparency is extremely concerning. 

Over the past several weeks, I have complied with every request for documentation and information made by your team. I was assured that the matter would be resolved within 30 to 45 days ; however, it has now been over two months, and there has been no resolution to this issue. As of today, I am still waiting for a satisfactory explanation or reimbursement. 

Given the circumstances, I am seeking a full reimbursement of the {$340.00} I sent via Western Union. This issue has caused significant inconvenience and frustration, and I must stress that the only resolution I am willing to accept is a complete reimbursement of the funds. 

If this matter is not resolved promptly, I will be forced to take further action, including escalating this complaint through additional channels and legal avenues. 

I expect your immediate attention to this matter and look forward to your prompt response. Please contact me for any further information you may require.

Company response to consumer: Closed with explanation