vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: OH

Complaint narrative:
I need help from the CFPB to assist me in obtaining my rights as a XXXX XXXX XXXX. I am a homeless XXXX XXXX XXXX, I reached out to Experian on XXXX separate occasions starting XX/XX/2024 uploading my trafficking victim documentation which consist of : ( i ) Victim determination ( A ) ( 2 ) Non-governmental organization, authorized by a federal, state, or tribal governmental entity to make such a determination ; also ( C ) is of a signed statement by the consumer attesting that the consumer is a victim of trafficking if such statement or an accompany document is signed or certified by a representative of an entity described in paragraph ( b ) ( 6 ) ( i ) ( A ) or ( B ) of this section. ( ii ) Identified adverse items of information. ( A ) ( B ) Proof of identification which was ID, social security card, bank statement and all documentation of determination. I reached out to Experian on two different occasions asking that the items in my credit report that were the result of XXXX XXXX be blocked from credit report. I was told that XXXX who was my agent assigned to my case was not willing to accept the documentation because Experian was only willing to take documents from the Department of Job and Family Services. I was told I needed to go to them to have my determination done until then it wouldn't be approved. I'm asking the CFPB to look into Experian Willful noncompliance of the Final Rule 1022.142 ( b ) ( 6 ), 1002.142 ( b ) ( 2 ). I don't want this case closed until the items that are in my credit report that were the results of trafficking are removed.

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 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
I'm unaware of this debt. I didn't have an opportunity to dispute this information. If in fact you believe you gave me proper notification, then please send me the certified receipt with the name and signature of the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have requested multiple times a breakdown of charges. To date the only thing provided is the total balance. I have a right to get a breakdown of charges. I want to know what the total interest vs fees vs actual usage is on the card. I keep going through this process and its not getting me any closer to a 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 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2023 our property taxes were due and should of been paid through our XXXX account. These were not paid and still haven't been paid. The tax assessor office threatened to set an auction date for my house if they didn't get payment by XX/XX/XXXX. Since the mortgage company still hadn't paid through XXXX, I had to pay it myself. Here we are 3 weeks later and the mortgage company still hasn't paid me for the property taxes. I have the money just sitting in XXXX  and they won't get it together.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: NJ

Complaint narrative:
According to FCRA 605B, it's essential to eliminate any erroneous entries from my credit report. Would you mind verifying the documents? Certain accounts listed seem to be misrepresented in the 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 2024-03-19 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: NV

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: NJ

Complaint narrative:
I've consistently made timely payments on this account, avoiding any instances of overdue payments. I'm uncertain about the reasons behind the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, necessary corrections should be made.

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 2024-03-19 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 2024-03-19 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: KS

Complaint narrative:
These inquiries were not authorized by me and I strongly suspect their legitimacy. I implore you to carry out a thorough investigation and promptly remove them from my credit file. I have submitted supporting evidence for your assessment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
It has been over 30 days and Transunion has failed to respond to complaint XXXX. Please see the attached CFPB complaint that was sent directly to XXXX and remove the account XXXX for incorrect reporting. Transunion is reporting a balance on an account that is uncollectible due to the statute of limitations in the state of Texas. Furthermore, the balance reported is not a balance that I ever had with the creditor. XXXX and XXXX have since removed the account and I expect Transunion to follow suit and correct this inaccuracy that is causing my credit rating great harm. My credit report is attached to show that Transunion is the only credit reporting agency to furnish this incorrect information.

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 2024-03-19 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: MI

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 explanation
Consumer complaint received 2024-03-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Several payment made on my Macy 's credit card that I did not make in XX/XX/XXXX. I filed a fraud report, and closed the account. I received no further information. I then received an email in XX/XX/XXXX saying that the account is overdue, from both Macy 's and a credit agency. I called Macy 's. They cut me off 4 times in the space of two hours. They still have not resolved the problem. My perfect credit history is at risk and they have cause significant mental distress.

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 monetary relief
Consumer complaint received 2024-03-19 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: NV

Complaint narrative:
XXXX XXXX XXXX account number XXXX XXXXXXXX has violated my right per fcra please delete I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists Account address is not associated with me I have no knowledge of account.

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 2024-03-19 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: NV

Complaint narrative:
XXXX XXXX XXXX account number XXXX XXXXXXXX has violated my right per fcra please delete I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists Account address is not associated with me I have no knowledge of account.

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 2024-03-19 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: KS

Complaint narrative:
I did not authorize these inquiries and strongly doubt their authenticity. I urge you to conduct a detailed examination and promptly remove them from my credit history. I have provided supporting documentation 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 explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: PA

Complaint narrative:
Its a {$15.00} charge from XXXX XXXX that has been paid by my insurance company yet they keep semding me letters constantly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I was approved for a loan for {$30000.00} and SoFi sent funds to my bank but the bank sent funds back because they said there was a misspelled name so they couldnt accept. I notified SoFi immediately and provided a different account for them to send the funds to and they said this wouldnt be a problem and when I tried to access my account today it was locked and I called customer service who couldnt tell me anything so now I am stuck with potentially an outstanding loan that I dont have access too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Paid my bill at XXXX XXXX of {$130.00}?? Went to XXXX XXXX ( XXXX ) to purchase a tablet for {$370.00} dollars and the card was declined. Contacted Capitol One ( BJ 's ) credit company and they tried to verify me electronically. This ultimately failed because my current phone does not have internet. I can receive texts but can't activate links within them. They told me that they would send my a six digit code to me XXXX and I was to read it back to them. However they said they were unable to verify the carrier and could not put the call through. However they were able to send me a text????. On Monday I went to a capitol one XXXX in XXXX XXXX XXXX XXXX. The rep there tried to be helpful and called with me to the fraud department of Capitol one where it was discussed that he could no longer verify drivers licenses because of a change in company policy. The rep at the fraud department said that copies of the drivers license could be faxed. I stated that I was not willing to pay for this and they agreed to put a {$15.00} dollar credit on my account. I'm not sure if that actually happened. It cost {$3.00} and I am happy to return the difference. I faxed my license via XXXX  on Friday the XXXX. I am uploading the fax verification along with the scanned documents. I contacted the capitol one fraud department on Monday and they stated that they had not received the document. I spoke with a Librarian who suggested scanning and faxing. I called the fraud department back at Capital one and they agreed to send a link to me via my email which is on file. the document was four pages and included the confirmation of the fax the cost of the fax and the front and back of the license. I called the fraud department back and they acknowledge receipt of the fax and quoted 1 - 10 business days to review it. I told them that this was unacceptable and they agreed to expedite they put me on hold for about 3-4 minutes and stated that the documents I had scanned were not legible and the back of the license could not be scanned. They gave no resolution to the situation and just repeated that the documents were not legible. My account has been on hold since the XXXX of XXXX with no resolution. I am seeking relief from the hold on my account and at no point was I told what was on the account that caused the block. They also mentioned that a passport would not be acceptable. I am a XXXX  XXXX person XXXX XXXX XXXXXXXX and unable to walk long distances. I use public transportation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: MI

Complaint narrative:
I have attempted several times to remove information from my credit report with TransUnion that is a result of identity theft. XXXX placed an account that was opened identity theft into collections. The collection company, XXXX XXXX, of XXXX XXXX, MN added this to my credit report with TransUnion. This information is false and despite my submiting of all information requested by TransUnion, including a police report detailing the identity theft, they have declined my dispute efforts and this damaging information continues to appear 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 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: NE

Complaint narrative:
I talked to Sigue Money Transfers and they stated the platform had fallen and that is why the money wasn't available in XXXX and XXXX XXXX. I talked to them about 1 week after that asking why I hadn't heard from them and they stated that they would cancel the transfers and refund the money in 30 days to the agency in my name. I had a family emergency because my dad passed away and was in XXXX for awhile. Ever since I returned from XXXX on XX/XX/XXXX I have tried contacting them. I have been on the phone for up to 6 hours and have not been able to get in contact with anyone. I have tried emailing the company as well to the email I used to send my emails to and it has not gone through saying that the email failed. The amount that the company owes my customers is {$6500.00} and the commission owed to us for the month of XXXX is {$140.00} bringing that total amount due to {$6600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: MO

Complaint narrative:
I have received multiple phone calls and text messages from " debt collectors '' attempting to collect this debt although this debt does not belong to me and I have been trying to get it removed. During the time I was on XXXX XXXX military orders and no permanent residency. 
FCRA In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has 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 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 2024-03-19 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: TN

Complaint narrative:
I am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference. Kindly conduct an investigation into the matter and take appropriate actions for its 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 non-monetary relief
Consumer complaint received 2024-03-19 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: TN

Complaint narrative:
I am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference. Kindly conduct an investigation into the matter and take appropriate actions for its 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 non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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:
Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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