vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/year> I booked a hotel reservation through XXXX for a hotel room using my CapitalOne credit card. This was prepaid rate. Upon arriving at the hotel late night I found the room to be in an uninhabitable condition. It was insect infested, bedsheets unclean with blood on the linens, holes in the flooring with carpeting simply laid over. Very simply put this is what you might expect in a third world country. I immediately went to the front desk and requested a refund. The lady at the front desk said there was nothing she could do as this was a prepaid 3rd party reservation. I immediately departed the room and telephoned XXXX support to demanded a refund however they refused. I disputed with CapitalOne as soon as the charge posted and they made a final decision denying my dispute as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: LA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair 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 2024-07-17 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: MI

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-17 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: MI

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX 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 2024-07-17 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 urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-07-17 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 urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
I am writing to formally lodge a complaint against LexisNexis Risk Solutions concerning the inaccurate reporting of a bankruptcy on my credit report. This erroneous information has significantly impacted my creditworthiness and has caused considerable distress and inconvenience. 

I recently obtained my credit report from LexisNexis Risk Solutions, which erroneously included a U.S. Bankruptcy Court item. As per the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ), if a credit reporting agency can not validate the information with the original creditor, they must remove said information from the consumer credit file. 

In correspondence with the U.S. Bankruptcy Court, I have been informed that they do not provide information to credit reporting agencies, nor do they validate or confirm public records. The court emphasized that they are not responsible for the collection, validation, or dissemination of public record information by third-party providers like LexisNexis. 

Despite this, LexisNexis has not verified this public record entry on my credit report. The Bankruptcy Court has confirmed that LexisNexis has never validated or verified this public record, and they do not provide any information for credit reporting purposes. As such, the inclusion of this erroneous information on my credit report constitutes a violation of the FCRA. 

I have formally requested that LexisNexis provide me with copies of all documentation associated with this public record, including any court orders or authorizations bearing my signature. I have also demanded the immediate removal of this incorrect public record information from my credit report. To date, LexisNexis has not complied with my request. 

Given the apparent violation of the FCRA and the severe impact this inaccurate information has had on my credit report, I am seeking the intervention of the Consumer Financial Protection Bureau to resolve this issue. I request the CFPB to : 1. Investigate LexisNexis Risk Solutions ' practices in handling and verifying public record information. 

2. Ensure the immediate deletion of the incorrect bankruptcy information from my credit report. 

3. Implement measures to prevent such inaccuracies in the future. 

I have enclosed copies of my correspondence with LexisNexis Risk Solutions and the U.S. Bankruptcy Court for your review. I trust that the CFPB will take appropriate action to address this matter promptly. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
There was a hard hit on my credit from JPMCB on XX/XX/year> which I did not authorize and do not recognize. There is also a phone number associated with my account which is not mine ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: TN

Complaint narrative:
Card was stolen and reported to Wisely. Dispute Report was filed but was never received by me for submission to local police department. Wisely has refused to send report to me via email and has said dispute has settled without any information provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
- **XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, FL XXXX - **Company Name : ** XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX **Complaint Details XXXX ** - **Subject : ** Late Payment Issue Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XX/XX/XXXXregarding a late payment issue that has negatively impacted my account. 

I have been a customer ofXX/XX/XXXXfor `` two years '' and have always made my payments on time. However, despite making my payment on XX/XX/2024, the company has failed to process the payment on time. This late payment has caused " late fees, '' " negative impact on my credit score, ''. 

**Key Details : ** - **Account Number : ** XXXX - **Date of Payment : ** XX/XX/2024 - **Amount Paid : ** XXXX Despite my attempts to resolve this issue directly with XX/XX/XXXX's customer service, I have not received a satisfactory response. I have contacted their customer service department on XX/XX/2024 and was informed that I am not receiving a response As a result of this late payment, I am seeking the following resolution : 1. Immediate correction of the payment processing error. 
2. Removal of any late fees or penalties associated with this error. 
3. Correction of any negative impact on my credit report due to this late payment. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

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 2024-07-17 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: VA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a XXXX XXXX XXXX The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX Incorrect Name : - XXXX G XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Urgent Issue : Incorrect Application of Car Payments and Unjust Repossession Wells Fargo Customer I am writing to formally express my deep frustration and concern regarding the handling of my auto loan account number [ your account number ]. This issue has caused significant financial distress and inconvenience for my family and me. 

Last year, I walked into a Wells Fargo branch and paid three months ' worth of car payments in one transaction. However, I was later informed by your team that there was no record of this payment. Despite numerous follow-ups over nearly a year, the situation remained unresolved until your team finally admitted that the payments were applied incorrectly to the interest rather than the principal of the loan. 

Due to this error, my vehicle was repossessed, causing my family severe financial distress. To recover the vehicle, I was forced to pay an additional {$3500.00}. This situation is unacceptable, and I believe Wells Fargo needs to be held accountable for their actions. 

The unprofessional handling of this matter has caused undue stress and hardship for my family. I request a thorough investigation into this issue, reimbursement of the {$3500.00} paid to recover the vehicle, and a formal apology for the distress caused. 

Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution. They do not care about their paying customers.

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 2024-07-17 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: TX

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. 

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 non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I just received their response dated XX/XX/2024 ( apparently lost in the mailing ) as to my complaint filed XXXX XXXXXXXX. Wellsfargo was not telling the truth when they stated in this letter that the contractor did not have to break into my security door to make entrance, they broke the door open forcing my secure still storm door that need a key to enter. Wellsfargo lied saying they reached out to me about property vacancy, instead Wellsfargo constantly put notices on my home door, didn't secure nothing, left food wrappings trying to force out through XXXX and XXXX with my neighbors. I've stated to wellsfargo i been at my home that i love and plan to stay in my home that i lived in for 18 years. ( 2 ) on page 2/3 in Wellsfargo response here, they state they respectfully decline my request to see my Original loan documentations, basically saying that, my request seek documentation beyond what is " directly related " to the servicing of my mortgage loan, this response by Wellsfargo, gives me the XXXX XXXX in their written response. My discrimination concerns were lied about, Wellsfargo has admitted to discrimination by paying miserly dollar amounts to thousands of mortgage loan consumers as myself, not admitting but logic facts concluded in their willingness to pay money out in compensation. My credit scores in comparison to others with same was effected by my zip code of the property during my purchase time I now know was in relationship and XXXX of my XXXX  I have a right to see in my Original Loan documents at a wellsfargo service Location, i don't agree with these lies in the letter i just reviewed.

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 2024-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brown and Joseph, Ltd
State: IL

Complaint narrative:
I received a letter from Brown & Joseph LLC about an alleged debt owed to XXXX XXXX XXXX. I called Brown & Joseph to explain that I did not owe the debtthat the purchase amount was paid in full at the time of purchase. ( I did later return the items and receive a refund. ) I called Brown & Joseph on XX/XX/year>, and the representative was unwilling to believe that there wasn't another charge or purchase I had made with the company. She told me to call XXXX XXXX. I spoke with XXXX around XXXX on XX/XX/year>, who said I needed to call my credit card company. She also would not believe that I have credit card statements showing the amount was paid in full. 

I'm not sure what else I can do to prove that I paid for the items in full at the time of purchase beyond my credit card statements, which neither will accept as proof. 

Additionally, the amounts and dates on the debt collection notice from Brown & Joseph do not match the order invoice I have. I have only ever made one purchase from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation