vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I posted on XXXX XXXX  to sell a couch for {$1200.00} in XXXX, a prospective buyer XXXX XXXX contacted me and arranged the date for pickup. Then her financier XXXX XXXX ( XXXX ) sent me a check for {$1700.00} on XX/XX/2024, XXXX $ over than what I was asking and said the difference XXXX $ was for the movers and asked me to give the movers the payment on the day of the pickup. The morning of the pickup day, XXXX said the movers won't come unless they're paid, so I sent {$570.00} through XXXX to a person named XXXX XXXX ( XXXX ) on XX/XX/2024. Then later that day, out of nowhere XXXX said she decided not to buy the couch and would like a refund and asked me to keep {$150.00} for all the troubles. I tried to send back the money, first I tried with XXXX different paypal accounts and none of the payments went through. The XXXX accounts I tried to send payments are XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ). Then she gave me an another XXXX account to send money to and that time it worked. So I sent {$1000.00} to XXXX XXXX ( XXXX ) through XXXX on XX/XX/2024. I finally felt relieved to not to be dealing with her after sending this money because she was getting aggressive through all the texts. 

Before I go on I wan na point out that I have called my bank to make sure the initial check for {$1700.00} is cleared. I didn't want to take any risk and my bank reassured me that there was nothing wrong with the check and I can go ahead and send her the money back. I have a proof of my call made to the bank on on XX/XX/2024 1 day before I sent {$1000.00} through XXXX. XXXX week after, on XX/XX/2024, I got a notification that the initial check she sent me has been returned and been deducted from my account. The reason was stated as forgery. After this I have made many attempts to resolve this issue with my bank and I wasn't lucky at all. The first day I called Wells Fargo, I was on hold for a total XXXX hours and was disconnected 6 times by them. I have started XXXX different claims and none of it was successful. The online fraud department didn't even ask for any evidence and yet dismissed my case because they didn't have enough evidence to support my claim. There are XXXX different names and contact info involved in this scam and somehow wells fargo failed to do an investigation and find the guilty. I don't know how many more people have been scammed by this group I can only assume there are hundreds if not thousands more. I reported the user on XXXX but I wasn't unable to send her any message, my guess is she has already blocked me and moved on to her next victim. I documented all of our conversation and payments I received and sent and my phone calls I made to my bank in case you need 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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This happened on XX/XX/2024, at approximately XXXX, in one of Capital one branches XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have deposited/ paid off my credit card bill of {$9200.00}. ( For the record the bills were in {$100.00} ) the ATM all of a sudden shut down and said temporary down, and can't take deposits. We instantly contacted branch employees, they were completely useless. And I called the customer service department to report this issue, then called the next day to follow up and they said were looking into it. Almost 2 weeks later they have posted my credit card with {$9200.00}. I called again on XXXX, XXXX, and XXXX for updates and confirmation. Capital one supervisor were deceiving me. and told me they working on it. and on the XXXX I have gotten a mail, saying my case is closed and can't be reopened nor reinvestigated. Need someone to look into this. Because since when banks rob its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XX/XX/2023 Mr.Cooper asked for proof of my hazard insurance policy and it was provided to Mr.Cooper. In XXXX I received a forbearance letter from Mr.Cooper stating I owed an escrow account and my monthly payment had gone up without any notification. Mr. Cooper added an DIC insurance policy escrow account in XX/XX/2023 without any notification to me, to let me know my payment had gone up, to pay for insurance I already have. I spoke with Mr.Cooper`s Insurance department and they stated my insurance is adequate and Mr.Cooper should not be charging me a DIC insurance policy escrow account, but the billing is not responding to me or Mr.Cooper`s Insurance department either. So here I am pay for Mr.Cooper`s fraudulent DIC insurance policy, what kind of scam is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It 's My understanding that Equifax will investigate this account for me to ensure accuracy here is the account i am asking you to verify as accurate Account name XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-26 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: GA

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: UT

Complaint narrative:
I have a joint account with my ex wife. the divorce decree from the judge gives the property to my ex wife and makes her 100 % responsible for the payment. I have sent the decree to the bank and had multiple calls with no resolution. When she is late they report on my credit. By court order I cant and dont have the ability to pay

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and TransUnion are reporting a fraudulent account on my credit file, which does not belong to me. There is a XXXX XXXX credit card account appearing on my credit report, despite the fact that XXXX XXXX and I have requested it to be removed. However, it has not been removed yet.

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 2024-03-26 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: DE

Complaint narrative:
I am writing to follow up on my previous complaints regarding the unverified and unauthorized negative accounts listed on my credit report. Despite my repeated efforts to dispute these incorrect items, they continue to be reported, causing significant distress and inaccuracies in my credit profile.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I sent multiples certified letters to the bank and have not received anything from them. It has been over XXXX months and it has been a mute point, TD Bank Account XXXX I disputed the account on numerous occasions and it came back verified and I want to know how can something come back verified when not even the open and closed date of it are being reported right. Both XXXX  and TD Bank are in violation of my consumer rights under the FCRA according to : 15 USC 1681, I have the right to privacy and USC 1681-2 A person or a corporation shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if -- -- - ( I ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( II ) The information is, in fact inaccurate I can go on and on showing blatant violations for the reporting agency ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-03-26 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-03-26 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: CT

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have an account on all 3 major credit bureaus that show a balance of {$13000.00} with Synchrony Bank for a Care Credit account. According to Synchrony Bank, I am unable to settle the balance with them because they have issued me a 1099-C debt cancellation on this remaining balance. Per Synchrony Bank, the 1099-C was issued in XXXX XXXX but the balance as of XX/XX/year> is still {$13000.00} even though they canceled the remaining debt. 

All credit bureaus continue to show a balance of {$13000.00}. 

I have disputed the balance on all 3 credit bureau 's website because I was issued a 1099, so the balance should be updated to {$0.00}. This continues to affect my utilization. I am unable to pay off/settle the debt directly and Synchrony is giving me a hard time to get the balance updated to {$0.00}. 

I have attached my full credit report from XXXX that shows updated balances as of XXXX. But I also pulled individual reports on XX/XX/XXXX that continue to show the {$13000.00} balance on all 3 credit reporting agencies.

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 2024-03-26 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Harley Davidson Financial Services Inc
State: TN

Complaint narrative:
Our account was in collections and we had the motorcycle for sale through a dealership. We ordered a payoff on a Saturday and they said they would send it, never did. Took over a week to get the payoff and it had a per diem. Got the vehicle paid off using the per diem and then they wanted an additions {$240.00} dollars. EVEN THOUGH it was not on the payoff. I have attempted to rectify this situation for over a year and they don't care. There were so many things they did which were illegal but I did not have the calls recorded. I will NEVER use HD financing ever again. Even though I showed them the payoff and the per diem listed for the 10 days ( and it was paid off in 10 days ) they would not honor it. Now this collection is causing employment issues. I've got to get this corrected. 

XXXX XXXX XXXX out of XXXX, TN was involved in this and they even said it was the worst they had ever experienced. Somehow they got the title and XXXX XXXX XXXX still shows I owe money. How is this possible?

Company response to consumer: Closed with monetary relief