vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
On XX/XX/XXXX your front door ran a credit card of mine for XXXX dollars and took off with the money and ran. I have not been able to get a refund. Your front door is now not answering my calls and stripe the credit card processing company is saying that the merchant has the money and they cant do anything about it and keep on telling me that I need to dispute this with american express. I have done this and American express has not done anyting to help me with this! The FBI is also now involved in this manner and so is a lawsuit against the merchant. but it has ruined my life because american express had put it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: NY

Complaint narrative:
On XX/XX/XXXX, I went to a museum. At the museum I got a text on my phone saying I was charged XXXX dollars at XXXX  XXXX I instantly closed my card and called support. They said they would reverse it and send me a new card because I apparently lost it recently without me knowing. They did reverse it but then another 2 days later it posted again. I thought it was still doing its thing so i waited. On XX/XX/XXXX, I got a notice that there was insufficient evidence for fraud. I don't know what else to prove.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My wife opened a Barclays Credit Card that subsequently put a restriction on our 3 Barclays Joint Savings Accounts. 

This required verification documentation. This was sent to Barclays on XX/XX/XXXX via the fax number provided and was received by Barclays. 

Despite 10 outbound calls on the days listed below to try and resolve, it has still not been resolved, and I have not been provided with any additional direction of what I need to provide or a timeline for resolution as of XX/XX/XXXX ( over a month ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This means that my funds are completely frozen and restricting my ability to pay any bills. I have no way of escalating to close my account due to a complaint.

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 2024-01-20 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: CA

Complaint narrative:
A close eye is being kept on my credit reports and I continue to see errors and inaccurate information. My concerns are constantly being ignored by the bureaus and it is causing me extreme depression and stress. It is clear that the bureau is not doing their job and ensuring the information that they are reporting is in fact 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 explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
This company has repeatedly called me at least 12 times in a day from different numbers, after Ive asked for them to not contact me. I block numbers as they come through and then they just call from a different number. I guess they do it like that so it doesnt look like theyre harassing people and its harder to track but I am tired of getting all of these calls especially after Ive told them to stop calling/contacting me. I dont even know where/why half of them are contacting me. I know that the company is on my credit report multiple times and Ive disputed with no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: TN

Complaint narrative:
Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting 100 % correct. XXXX XXXX is reporting on Equifax, XXXX and XXXX. I have know kowledge of this company. 

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. As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. s 1681i ( 7 ) Method of verification Description of reinvestigation procedur
e

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: TN

Complaint narrative:
Recently I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting 100 % correct. XXXX XXXX  is reporting on XXXX, XXXX and Experian. I have know kowledge of this company. 

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.

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. s 1681i ( 7 ) Method of verification Description of reinvestigation procedure

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 2024-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I requested a forbearance under COVID/ CARES ACT/ CFPB and/or XXXX guidelines from XX/XX/XXXX - XX/XX/XXXX. CFPBXXXX and CARES ACT guidelines state that borrower payments should not be considered late during the forbearance period which Wells Fargo has chosen to disregard. Wells Fargo has also received further clarification from XXXX XXXX confirming possiblecommunicateion to remove the loan from escrow upon cancellation of PMI. PMI was cancelled as of XX/XX/XXXX and Wells Fargo is still telling me that my account is not eligible to be removed from escrow because of their internal policy which their employees have used to supersede investor guidelines and further directive outlined in the cares act per XXXX XXXX with the accounts executive team. XXXX XXXX also informed me that an exception request would not be sent to XXXX XXXX because they have an internal team that reviews case data submitted by the executive team. I would like to know why Wells Fargo has chosen to disregard the investor guidance and opted not to communicate with XXXX XXXX  to resolve the issue.

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 2024-01-20 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: IL

Complaint narrative:
I have recently discovered that my identity has been compromised, leading to these fraudulent accounts being opened without my knowledge or consent. I have taken the necessary steps to report the identity theft to the relevant authorities, and I am providing you with a copy of the FTC identity theft report for your records. I have also mailed a copy to TransUnion. I request that you investigate the following accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud. 

I would like to bring to your attention that my information was sold and bought illegally because I was a victim of the XXXX data breach, which has heightened my concerns about the security of my personal information. In light of this, I request that you investigate the following additional accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud.

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 2024-01-20 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-01-20 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have been trying to purchase a home and when I pulled my credit report I have noticed there were still Collections on my report that should have been gone. I have sent in numerous disputes and also contacted them dated XX/XX/2023. These companies are reporting inaccurate information on my credit report. I have requested that they provide the factual information that I can verify to confirm the account belongs to me and show full ownership to these accounts and I have not yet received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I have been trying to purchase a home and when I pulled my credit report I have noticed there were still Collections on my report that should have been gone. I have sent in numerous disputes and also contacted them dated XX/XX/year>. These companies are reporting inaccurate information on my credit report. I have requested that they provide the factual information that I can verify to confirm the account belongs to me and show full ownership to these accounts and I have not yet received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: GA

Complaint narrative:
There are inquires on my report that I did not authorize and must be removed immediately. 

XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX  XXXX XXXX XXXX XXXX XXXX  ( Finance XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXXXX/XX/XXXXXXXX  XXXX XXXX XXXX  ( Auto ) XXXX XXXX XXXX XXXX XXXX  XXXX ( Bank ) 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 explanation
Consumer complaint received 2024-01-20 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:
There are inquires on my report that I did not authorize and must be removed immediately. 

XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, 2023 XXXX XXXX XXXX  ( Finance ) XXXX XXXX, 2023 XXXX XXXX  XXXX Bank ) XXXX XXXXXX/XX/XXXX2023 XXXX XXXX XXXX ( Auto ) XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Bank ) XXXX  XXXX 2023 2023

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 2024-01-20 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 explanation
Consumer complaint received 2024-01-20 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: IL

Complaint narrative:
I am a victim of the Equifax breach. My information was exposed and illegally used. Due to this Equifax breach that occured in XXXX, my personal and sensitive information which includes my name, address, birthday and social security number was exposed to cyber thieves and indeed impacted my report and ultimately my life. They have used my information to charge unauthorized items to my personal account, and have taken the liberty to run a number of unauthorized inquiries and a list of inaccurate information on my consumer report. This has resulted in financial loss and damage to my consumer reports and caused tremendous stress to me and my family. I have spent a great amount of time addressing these infractions due to this breach. As recent as XX/XX/XXXX, someone once again has illegally charged items to my personal account. Also, Equifax has already admitted that I was a victim of this breach and I am requesting that these inaccurate items are removed from my credit consumer report immediately. I am attaching the proof that Equifax has already admitted that I was a victim of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
My company is improperly collecting taxes and insurance. I am tax exempt yet they collected for a whole year tax that was not payable, forcing me to almost double my correct payment. then, although I have a fully paid homeowners insurance policy, they have forced placed my homeowners insurance for no reason and refuse to refund the escrow payments i have made. 
i have used their messaging system for at least 6 months and receive only form letters letting me know they have received the letter as required by federal law, but i never hear a response.

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 2024-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


Capital one has never contacted me in regards to sharing my personal information nor have they ever given me any information on how to opt out i have requested capital one to remove the charge offs and the late payment information from my consumer report multiple times as that is personal information and they have yet to comply with anything i have asked of them but now i know they are directly violating my rights. Then remedy for this is for capital one to remove all charge offs from my consumer report as well as all late payment information repossessions of any kind as it all falls under personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
According to the fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's consumers and to protect the security and confidentially of those consumers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. These companies are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out and at any time. '' I am opting out out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: GA

Complaint narrative:
This is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ). 

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Attached is the dispute letter, which is dated, and time stamped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: GA

Complaint narrative:
There are inquires on my report that I did not authorize and must be removed immediately. 

XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX 2023 XXXX XXXX XXXX XXXX Bank ) XXXX XXXX 2023 XXXX XXXX XXXX ( Finance XXXX XXXX XXXX 2023 XXXX XXXX  XXXX Bank ) XXXX XXXX 2023 XXXX XXXX XXXX  ( Auto ) XXXX XXXX 2023 XXXX XXXX  XXXX XXXX Bank ) XXXX XXXX 2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
According to the fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers nonpublic personal information. The financial Institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, whether it be verbal, non verbal, written implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting.

Company response to consumer: Closed with explanation