vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I'm placing this formal complaint against Capital one finance- They have access to withdraw the loans funds each month-I manage to pay the car off and received my TITTLE later they told me I own them {$200.00} of interest .I paid that they reported my car as to charge off or repossession-That is not accurate information car is in my procession.I have called them several time and even sent car tittle to all credit bureaus, they did absolutely nothing. 
This agency is violating my rights by using false misleading, misrepresentation and deceptive means

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I'm unaware of this debt. I didn't have the opportunity to dispute this information. If in fact ya 'll believe you gave me proper notification then please send me the certified receipt with my signature on it stating I received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: MN

Complaint narrative:
First Advantage Background Services Corp sent me a copy of my background check recently with concerning information. I just started a new job a for XXXX months and they had conducted a background check. I'm afraid this error is going to effect my employment. I used to live in XXXX XXXX XXXX in XXXX XXXX, XXXX. But I had moved out of there for several years now. I had never been searched in any way that im aware of. Here are the information on that letter : Consumer Name : XXXX XXXX ( XXXX ) Client Name : XXXX XXXX XXXX Client Account Number : XXXX Record Source : XXXX XXXX XXXX XXXX XXXX Type of Search : XXXX  Index Search Include XXXX  Search Type : XXXX  Index Search Include XXXX  Date of Search : XX/XX/year> Given Name Searched : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-19 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
The information is not valid on this credit report is not valid. I hav disputed with company and my dispute status says changed however its still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The information is not valid on this credit report is not valid. I hav disputed with company and my dispute status says changed however its still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/XXXX Re : Chase Mortgage Complaint To Whom It May Concern : My name is XXXX XXXX, I have had a mortgage on my property at XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX since XXXX from JP Morgan Chase. Loan Mortgage # XXXX. I believe that they have been charging me for insurance that I have never needed since its inception in XXXX. I have carried my own separate homeowners policy, but they appeared to have been clandestinely billing me {$100.00} every six months for an additional {$350000.00} worth of coverage that was not needed. I can provide all of the billing statements and the inception of the mortgage if required, but JP Morgan Chase has been unresponsive and unhelpful to working with me on this or providing any transparency at all. 

I have included my most recent homeowners policy, can you please tell me what my options for recourse are? JP Morgan Chase is one of the worst banks in the country, although it is large, it provides zero transparency, and all of their customer service is outsourced to vary dark corners of the world where people barely speak English, this bank needs to improve its practices, as we all know, many consumer banks are providing absolutely terrible service, and a disservice to the American people. I would very much appreciate your assistance in resolving this matter. 

Absolute Kindest and Warmest Regards, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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:
It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: TX

Complaint narrative:
It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my 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 2024-10-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Self Financial Inc.
State: IN

Complaint narrative:
You have account XXXX for Self listed on my report as a charge off but also a balance reporting. If something was written off, a 1099-C must be filed ( which is never received a copy ) and the balance should show XXXX. A charge off is also considered income and income can not be reported on a credit report. 

I'm also receiving emails as if the account is still open as a regular credit card and not charged off. Im receiving many emails and many different types. You also continously reported late on my trade line AFTER the 90 day no pay period that the FCRA requires. Any account that is being reported in accurately MUST be removed. This is your official 30 day notice to remove the trade line from my credit or I will sue for statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/XXXX Certificate of Service to an unknown address that I do not reside

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 2024-10-19 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: WI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> XX/XX/year> XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action,

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 2024-10-19 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: WI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> XX/XX/year> XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: WI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> XX/XX/year> XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action,

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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request a report from esperian credit agency and repeatably disputed claims they said they did an investigation and the did not. Had the found the mistakes my credit and life would not be ruined thanks to a XXXX  XXXX XXXX bill pay mistake. I had perfect payment history and have been with the same bank for 20 years and all my bills have been on auto bill pay for years. The bank stoped my bill pay for month and then restarted it but not before all my accounts went to collections. 

They said they did an investigation they did not fix the errors. A year of trying to get XXXX  XXXX XXXX to send a retraction letter. They did proving esperian lied. I submitted it again they said said the did an investigation they did not fix the error. My credit dropped to XXXX. The bank won't even issue a new card or open a line of credit I HAVE PERFECT PAYMENT HISTORY NEVER HAD AN OVERDRAFT. I COULD WALK IN ANYWHERE AND GET WHATEVER I WANTED. 

NO I HAVE LOST MY HOME MY CARS MY LIFE. 


THE REPORT SAID IF I DID NOT AGREE WITH THEIR FINDING I HAD THE RIGHT TO PERSURE LEGAL ACCTION AGAINTV THEM. 

I DO NOT AGREE AND WANT TO FILE SUIT FOR ALL THE THING 'S AND MONEY AND HOMES FRIENDS FAMILY I LOST. 

IVE BEEN HUMILIATED

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 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Essential Lending Inc
State: LA

Complaint narrative:
Account # XXXX Ive disputed this debt on many occasions with this company, in XX/XX/XXXX, in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ive informed the company to remove/delete this debt from my credit report, due to being affected by a Natural Disaster Hurricane. This debt is impacting my ability to rebuild, and Im and experiencing financial difficulties and hardship. 
This debt is reflecting a balance of {$380.00}, but has been sold. The balance should be {$0.00}. The company has also sold this debt to another lender. 

I am also a victim of fraud and have reported my case to The Internet Crime Complaint Center where my bank accounts was compromised. My personal information such as my ssn, is involved in several data breaches and on the dark web. 

I wish for this debt to be removed from my credit reports, due to to inaccuracy and potential fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: SC

Complaint narrative:
I have a chime builder card and filed a dispute with chime for 5 unauthorized transactions on XX/XX/year> was told claim will be done by XX/XX/XXXX and now it's XX/XX/XXXX contacted chime support multiple times for them to say that there going to send a message to the investigation team have not received a email or any message from the investigation team and was told there's nothing else they can do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization XXXX XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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