vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Please remove account from XXXX XXXX AND XXXX XXXX  ACCOUNT # XXXX opened XX/XX/2016 because its past 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: CA

Complaint narrative:
I was reviewing my credit report and was sent into an XXXX  spiral upon reviewing it. It is clear to me that the agencies did not do their jobs to make sure that the items and information that they were reporting was accurate and this has in turn affected my life quite negatively. The information being reported is inaccurate and just incorrect and needs to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous 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
Consumer complaint received 2024-02-06 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-06 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: Diversified Adjustment Service, Inc.
State: CT

Complaint narrative:
This utility company is saying I have a past due balance which they have sent to collection, It does not belong to me, and I never had an outstanding balance with this company. 

Account - XXXX XXXX XXXX XXXX - Diversified Adjustment Account Number - Account Number Not Provided I have called on numerous occasions and haven't been able to rectify this issue. After being put in circles I have no other option to have this situation escalated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Subject : Immediate Cease and Desist of Unauthorized Credit Reporting New Jersey FCRA Identity Theft Fraud Laws Dear OPORTUNPROG, I am reaching out to address a grave violation concerning the unauthorized reporting of information to my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ) under Sections 56:11-34 and 56:11-41, New Jersey 's Identity Theft Prevention Act under N.J.S.A. 56:11-45, and associated statutes. 

It has come to my attention that OPORTUNPROG has engaged in unauthorized reporting to my credit report without procuring my explicit consent. Federal and state laws, including the FCRA and New Jersey 's Identity Theft Prevention Act, unequivocally mandate that consumer consent is a prerequisite for such reporting activities. 

I wish to assert unequivocally that I have not provided consent for OPORTUNPROG to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially causing harm to my creditworthiness and demonstrating a blatant disregard for federal and state laws. 

I demand, without hesitation, that OPORTUNPROG immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by applicable sections of the FCRA and New Jersey state law. Failure to comply within the stipulated timeframe will be construed as willful noncompliance, subject to penalties under the relevant statutes, including New Jersey 's Identity Theft Prevention Act. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and New Jersey state law. Compliance with federal and state regulations is non-negotiable and essential for protecting consumers from unauthorized and damaging credit reporting. 

I anticipate your urgent attention to this matter and expect OPORTUNPROG to promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX and Capital One failed to provide the consumer with the agreed and advertised interest-free 12-month payment terms. As a result, the consumer was charged significantly more in the subsequent months, resulting in significant financial burdens to the consumer. 

Whereas the customer agreed in XX/XX/XXXXXXXX  to make a purchase of {$7100.00} from XXXX XXXX with 12-month interest free financing and monthly payments of {$590.00} through Capital One, using the XXXX XXXX Credit Card. Capital One issued bills to the consumer in XX/XX/XXXX and XX/XX/XXXX for {$3300.00} and {$1200.00}. When the issue was raised by the consumer, Capital One initiated a dispute process that has yet to resolve the issue and resulted in the customer being required to make payments in XXXX and XX/XX/XXXX totaling {$3600.00} while they work to resolve the issue. Capital One reiterated to the customer that while XXXX XXXX and Capital One made an error and failed to resolve it properly when first contacted, that the customer is still responsible to pay the incorrect charges while they resolve the issue. 

The sequence of events provided herein describes the actions of the Merchant and Capital One which have resulted in the customer being significantly overcharged in XX/XX/XXXX and XX/XX/XXXX and failed to deliver the promotion to the customer as advertised and agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: LA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-06 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: IL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: ID

Complaint narrative:
I tried to amend the pending complaint against Keybank for XXXX because it involves ongoing issues with customers not being able to get documentation regarding the bank policies and customer rights. 
Key bank has not responded to the complaint opened on XX/XX/XXXX involving persistent racial bias at the local XXXX XXXX. That complaint involves being asked for my license for bank transactions when I provide the account information and signature on deposit/withdrawal slips. The issue according to the branch manager has to do with familiarity with customers which is not a subtle way of saying that trust is dependent on the customers race and ethnicity..this despite the fact I have been coming to the branch for a few years. I have not seen anything under the Federal Truth in Savings Act or contract law indicating banks can discriminate customers..and Im waiting for a copy of the policies regarding deposit, withdrawal, and transaction at the branches. 
The PRESENT issue involving disputing debit card charges arose after the complaint on XX/XX/XXXX. I called to dispute a charge on XX/XX/XXXX but a representative called XXXX refused to open a case, told me I couldnt dispute the charge, and also refused to reference to the particular policy or mail copies of Keybank policies. 
I went to the XXXX branch and the banker opened a dispute! How can you provide service that is so inconsistent? The banker gave me the letter opening the dispute with case XXXX. I asked the banker for a copy of policy regarding disputing charges but she had no idea where to find them. 
I contacted the email address on the dispute letter requesting the bank policies that have to comply with the Fair credit billing act but they refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
i asked for verification of debt and a chance to pay the debt before it went to my credit report and i did not receive it. 
i stopped my service in XXXX and i returned all the equipment as well so i was unsure about the new charges and if i had any i would like to pay them off before it went to my report. 

i initiated an dispute with them before XX/XX/2024 and they ignored my rights and put this on my report anyway. 

I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative.

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 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXXXXXX  {$2000.00} and XX/XX/XXXX {$1700.00} totaling to {$3700.00} for hotel accommodations which were not fulfilled by the resort and business failed to provide room and accommodations paid for. They neglected our requests for refund after not supplementing a habitable alternative for our family - A flooded and hazardous room. The business only insulted us by asking us to take 2 nights in future stay voucher credits which does not cover our 6 night loss exceeding {$3700.00}. This is unacceptable. We contacted AMEX to open a dispute and chargeback under goods/services not provided, which in our case was the hotel room. AMEX rewards checking keeps denying our claim and not looking at our evidence and the business 's neglect and failure to provide what was paid for use of our AMEX Rewards Checking Account debit card. Regarding this matter, the agent/hotel here breached its agreement to provide suitable and habitable premises. The reiterate the room that was given was plagued with damaged plumbing, resulting in flooding for the purchase and not occupy-able. As an American Express customer, I have a right to a refund-chargeback and not only a two night credit which the agent/hotel felt was generous for a 6 night loss.. We have provided all facts and proof of neglect and resort unable to fulfill its obligation for our reservation. 

AMEX dispute case # Account Ending : XXXX Reference Number : XXXX for {$1700.00} and XXXX for {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: MD

Complaint narrative:
recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal 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 2024-02-06 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: IL

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal 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 explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT WORLD SERVICES, INC.
State: NV

Complaint narrative:
{$7600.00} is the Amount that an collection agency is requesting I pay, and this is Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
I was apart of the equifax leak. Since then I've constantly had issues with Equifax, and only equifax. Every so often I get a new inquiry or account on my report that is unrecognizable. I immediately dispute and send supporting documents but they refuse to research or correct their issues. I have been wrongly treated by this bureau for many years. They are very unprofessional and condescending. My report should have XXXX inquiry, they've allowed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: WI

Complaint narrative:
Capital one platinum card has received documentation proof from XXXX receipts. Capital one promised to refund if I supplied proof but have failed to uphold the agreement. They requested to prove that XXXX received the items back I sent a receipt from XXXX that item was shipped back on XX/XX/XXXX and reached merchant on XX/XX/XXXX. They refuse to side with consumer and protect me from fraud. I proved in writing also by the merchant itself XXXX admits in writing on XX/XX/XXXX that with 5-7 days I will get a full refund. I also supplied them proof to capital one. XXXX received the merchandise back but failed to refund. I spent a lot with this card and have NEVER disputed a charge until now. XXXX RECEIPT was repeatedly provided to capital one to prove I shipped merchandise back. I have phoned numerous times to work this out but they just immediately send a denial letter and say I have not supplied what they asked for. I have a federal document from XXXX proving XXXX was sent back and owes me for refund. {$140.00}. I used this card to improve my credit and paid 100 % of balance every month. I use this card to increase my credit score but unfortunately they do not care about protecting consumers from fraud. I am closing my account today as capital one cares nothing about the proof, evidence or maintaining a positive relationship with consumer. They are only there to profit and allow consumers to be scammed. The proof was provided and they denied my chargeback. I therefore deny my business and refuse any late payments or interest. Its unfortunate because I am out money and have nothing as I sent the merchandise back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
My wife lost her job and we applied for a mortgage modification. We made the XXXX months of payments and were given the final mortgage modification agreement to sign. My wife since losing her job took a job with XXXX XXXX XXXX in XXXX XXXX. 

PHH states that they can only accept notarized paper signatures I submitted a document with notarized e-signatures and was told that I would have to have my wife mail a document from the village she is in to the US to get this modification accepted.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief