vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re Acct # : XXXX This letter is regarding account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

XXXX requesting validation, made pursuant to the Fair Debt Collection Practices Ack Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

10 Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

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 non-monetary relief
Consumer complaint received 2024-09-21 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: NY

Complaint narrative:
While I was reviewing my most recent credit report, I noticed several inaccuracies on one of the reported accounts. This account is hurting my ability to rent a decent apartment for me and my family. Its my understanding that the credit bureaus will investigate this account on my behalf to ensure that it is accurate. Here is the account I am asking you to verify for accuracy XXXX XXXX  Account Number XXXX  I appreciate your 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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
The mortgage was on autopay and the account was sold to Mr. Cooper and it was under assumption that that payments that was submitted and transferred to Mr. Cooper. I went to Mr. Cooper website had the payment scheduled to be take out as soon as possible on the XXXX and it wasn't taken out. I called them ask why the autopay didn't occur and ask how to make the account current and I was told that I could update the account with their Trial/Workout Payment which was {$6900.00} on XX/XX/XXXX including additional {$5900.00}. My regular payment is {$5900.00} which was paid on XX/XX/XXXX but for some reason it was reversed. The rep at Mr. Cooper never informed me that this would be reported as a forebearance. I did not request any forebearance. As the result of being coerced into this Trial/Workout Payment which is something I was not familiar and never used. My mortgage account since I have owned this home for the past 9 years has never been deliquent until that the rep from Mr. Cooper misinformed me. When I reviewed the statements it says " *The amount listed on this statement under " total amount due '' is based off your original loan terms ( or previously modified loan terms ) and will not reflect any trial modification, forbearance or repayment plan agreements. "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am filing this complaint regarding a disputed transaction with XXXX XXXX XXXX, which occurred on XX/XX/year>. The transaction amount was {$490.00}, whereas the correct amount should have been {$460.00}. This dispute was handled by Wells Fargo ( Dispute Number : XXXX ), but my claim was rejected despite efforts to resolve the issue directly with the hotel. 

Summary of Events : 1. Upon check-in at the hotel, I mistakenly selected to pay in USD instead of the local currency ( ISK ), which resulted in an overcharge due to unfavorable exchange rates and additional fees. 
2. I immediately requested that the hotel staff cancel and redo the transaction in ISK. However, the hotel refused to honor this request, forcing me to accept the payment in USD. 
3. After my stay, I reached out to the hotel to resolve the issue, but they claimed that any exchange fees were imposed by my credit card issuer and that they could not issue a refund or adjust the transaction. 
4. I then disputed the transaction with Wells Fargo, but my claim was denied on the grounds that the transaction amount matched what was processed. However, this ignores the fact that I requested the transaction to be processed in ISK, and the hotel refused to accommodate my request, resulting in unnecessary fees. 

I am seeking assistance to address this unfair practice, which led to additional costs that could have been avoided had the hotel honored my request. I am requesting that Wells Fargo or the merchant adjust the transaction amount to reflect the correct total of {$460.00}, as the additional {$28.00} charge was a direct result of the hotels refusal to process the payment in the local currency.

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 2024-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Coinbase, Inc.
State: AL

Complaint narrative:
ON XX/XX/year> A XXXX WAS AUTO DEBITED FROM MY COINBASE FUTURES ACCOUHT AND RECLAIMED BY COINBASE. THIS DEBITVQAS FOR THE AMOUJT OF XXXX. ALL THE WHILE I PAIDXXXX SAME DEBIT WITH XXXX BUT NOW COINBASE WONT ISSUE A REFUND FOR XXXX EXTRA PAYmenT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am trying to purchase a home. So my Lender is running my credit.Once he look over my credit report he gave me a phone call. He wanted to know if had time to speak with him about my credit report. And i said yes. This was when he went over everything on the report. But it was a company that was on the credit report that he ask me about. 
An unsecured account that was open on XX/XX/year>. In the amount of XXXX dollars that was past due. As of XXXX of XX/XX/year> the account was update in the amount of XXXX balance. 
Once he told me about what company it was. That's when i responded i don't know about that. I was not aware of this company at all on my credit. I told him i never had an account with that company at all.He wanted me to find out what was going on as far as the company is concerned. So he gave me XXXX different accounts numbers. This is when I called the company to discuss what was going on with my credit. The lady from the company wanted my personal information such as my first name, last name, email address, and date of birth and the phone number to the account. As I began to give her my email and when I got to the phone number which I had been using for XXXX years now. That was when she informed me that the information was not correct. Then she goes on to say what's your email address? When I provided the email address she told me that it was incorrect. I told her that is fraudulent activity. And I want to dispute the transaction on my credit report because I didn't do it. And she informed me that she couldn't do anything for me without the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
While I was reviewing my most recent credit report, I noticed several inaccuracies on one of the reported accounts. This account is hurting my ability to rent a decent apartment for me and my family. Its my understanding that the credit bureaus will investigate this account on my behalf to ensure that it is accurate. Here is the account I am asking you to verify for accuracy Name : XXXXXXXX XXXX XXXX Alleged Balance : XXXX Account Number XXXX  I appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX  XXXX Bankruptcy Federal Reference # XXXX XXXX  XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$290.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX A XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX  XXXX BALANCED {$130.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Dear CFPB, I am filing this complaint against Experian for their ongoing unfair and deceptive trade practices. Despite opting out of marketing and non-essential notifications, I continue to receive notifications about my credit score changing. I have repeatedly updated my preferences through Experian 's platform, yet these alerts persist. 

Additionally, Experian 's login system is designed in a deceptive manner. Each time I log in, I am prompted to purchase services or sign up for a paid subscription, even when my intent is simply to access my account. These tactics mislead consumers and create confusion. I believe these actions violate consumer protection laws, including unfair and deceptive trade practices. 

I do not wish to engage with Experian further, yet they continue to send these unnecessary communications. I find this behavior particularly troubling from a credit reporting agency entrusted with sensitive consumer information. 

I request that an investigation be opened into Experian 's practices and that they be held accountable for failing to honor consumer preferences and employing misleading tactics to generate revenue.

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 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. California XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX XX/XX/year> Re Acct # XXXX This letter is regarding account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

XXXX requesting validation, made pursuant to the Fair Debt Collection Practices Ack Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

10 Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.

Complaint narrative:
I am filing this compliant to express my deep disappointment and frustration with your companys handling of my loan account. As a military service member, I have faced financial hardship due to job loss and delays in military pay. Despite these challenges, I made an effort to reconcile the debt directly with your company, but my attempts were met with refusal and inflexibility. 

Rather than work with me to find a reasonable solution, Upstart chose to sell my account to a third-party collection agency, XXXX XXXX XXXX XXXX. This decision not only ignored my financial situation but also left me in the hands of a predatory and unethical debt collector, exacerbating the stress and harm to me and my family. 

I contacted XXXX XXXX in good faith to settle the debt or establish a payment plan, but they have been completely unresponsive. Furthermore, on XX/XX/year>, while I was away on military orders, they sent unidentified individuals to my grandmothers home, causing unnecessary distress to my family. These actions are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and show a lack of basic decency on the part of the company Upstart chose to sell my account to. 

As a loan originator, I believe Upstart has a responsibility to ensure that its customers are treated fairly, especially those of us who are military service members. The Servicemembers Civil Relief Act ( SCRA ) provides specific protections to those on XXXX XXXX, yet XXXX XXXX has ignored these protections by filing a small claims case against me while I am on XXXX XXXX and in a jurisdiction where I do not reside. 

It is unacceptable that Upstart would allow this to happen to someone who tried to address their financial difficulties directly. I am calling on Upstart to take responsibility for this situation and work with me to resolve the matter fairly. I propose a settlement of 20 % of the delinquent principal at the time my account was sold to XXXX XXXX. 

I trust that Upstart will reconsider its approach and do the right thing by intervening in this matter before further legal actions become necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: WA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXXXXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Equifax. 

Please delete the following accounts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX  XXXX Bankruptcy Federal Reference # XXXX XXXX  XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$290.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX  XXXX BALANCED {$130.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX  XXXX Bankruptcy Federal Reference # XXXX XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$290.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
Have tried multiple times asking for proof of contract with company and also let them know that there was inaccurate information being reported. I was told that they could not remove it and that it will continue to damage my credit if it wasn't paid. I also let them know I have never done business with them and I have never given them permission to share my private information and they still refused to remove it.

Company response to consumer: Closed with explanation