vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of XXXX XXXX and the items I have disputed have not been deleted per the Fair Credit Reporting Act for Human Trafficking Victims. I have had success with XXXX, but both XXXX and Experian are receiving my disputes and updating them as accurate even though I have furnished the court documentation from my attorney proving that these items occurred while under duress. Experian has no human being that you can speak with and the phone lines are a continuum of being rerouted to offices that never answer. XXXX has a dispute center on their website which does not work. After calling XXXX, I was told to put my personal information ( picture of my ID and my Social Security Cards AND documentation of my sealed XXXX XXXX record in the US MAIL and send it to a XXXX XXXX and wait for them to contact me ). This response was damaging to my spirit and I feel victimized all over again. I have fought to regain my life, seal criminal and court records because of the abuse, coercion and fraud that I faced as a victim of XXXX XXXX. The thought of having my personal information exposed just to clear these items from my credit report is re-traumatizing. XXXX has removed the Public Record of the Bankruptcy I was forced into by my XXXX  and the student loans I was forced to take by my XXXX. I can not get the other bureaus ( XXXX and Experian ) to comply. The Rule requires consumer reporting agencies to tailor these requirements to the needs of victims of XXXX, by using, for example, confirmation questions a victim of XXXX could easily answer to prove their identity and other non-documentary means.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : -Close the unauthorized account -Removeany charges on the unauthorized account, and -Takesteps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : XX/XX/2023 Close the unauthorized account Removeany charges on the unauthorized account, and Takesteps to remove information about this account from my credit files. 

-FTCIdentity Theft Report -Proof of identity -Notice to Furnishersof Information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I recently disputed these items listed and I don't believe a proper investigation was done. You have failed to properly investigate and remove these frivolous inquiries and have not provided validated proof of any findings that prove these inquiries was authorized by me. I request per FCRA requirements. These inquiries should be deleted immediately. I also attached a copy of the FTC report including these fraudulent inquiries.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently disputed these items listed and I don't believe a proper investigation was done. You have failed to properly investigate and remove these frivolous inquiries and have not provided validated proof of any findings that prove these inquiries was authorized by me. I request per FCRA requirements. These inquiries should be deleted immediately. I also attached a copy of the FTC report including these fraudulent inquiries.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, 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: CA

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

15 U.S.C 1681 Section 602 A. States I have 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 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 2023-06-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted a direct deposit to chase on XX/XX/XXXX. It was a check issued by my employer the XXXX XXXX XXXX  The money was sent to them directly and they have the money. They said that they cant verify my check because they dont have a number and the number provided isnt in their system. I asked them and they called the state controllers office who gave them a number directly to the chp and they wont call it. They have my check sitting in suspense they already have the money deposited and wont release my funds. They said they cant verify my check but wont release it til its verified. I have gone in and talked to XXXX XXXX the vice president of the bank of chase in XXXX who verified it and their online and on the phone executive team will not release the money. XXXX. Payroll check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have been victim of identity theft, I have disputed with Transunion multiple times to remove accounts that were not opened by me. The following accounts still show in my report and are not removed 1 ) XXXX XXXX  XXXX XXXX 2 ) XXXX  3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX I do not understand what more information i need to provide for them to close the accounts mentioned above.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX - {$1500.00} ( Credit Card ) XXXX  XXXX - {$810.00} ( Credit Card ) XXXX XXXX {$150.00} XXXX Credit Card XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Auto Loan ) None of these are my transactions, yet they are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX - {$1500.00} ( Credit Card ) XXXX  XXXX - {$810.00} ( Credit Card ) XXXX XXXX  {$150.00} ( Credit Card ) XXXX XXXX XXXX XXXXXXXX ( Auto Loan ) None of these are my transactions, yet they are on my credit report.

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 2023-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I just qualified for Section 8 Housing as I`m way below poverty level, I can`t afford my apartment much longer. Wells Fargo didn`t do the right thing before paying out close to {$28000.00} to XXXX XXXX XXXX . The XXXX XXXX value has to be looked at, as well as the mileage and condition of the vehicle. I`m attaching again the XXXX that I got from XXXX XXXX XXXX XXXX 

Wells Fargo Auto Finance should sue XXXX XXXX XXXX for false information on the XXXX XXXX they gave the money to, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX you are in direct violation of the Fair Credit Reporting Act Capital one Account ending in XXXX has violated several of my rights.

15 U.S.C 1681 Section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/ i went to the bank to deposit XXXX. I filled out the deposit form with that amount and passed it to the teller and she asked me for the money, the teller called 2 more colleagues to help her count the money, the 3 people manipulated the money and passed it through the bill counting machine, they stamped it with the bank advisors and said it was ok, they proceeded to take it to the back where I do not have it in sight and 1/2 hour later the teller came out and told me that she had to count the money again and that this time XXXX usd was missing. 

In the end they only consigned me XXXX usd and they stole the XXXX usd. I have made claims to the bank, XXXX but they only give me information by phone where they tell me that they checked everything and that the amount that they consigned me is the amount that I spent when it is not so I spent XXXX usd. 

I denounce the bad protocol of the bank by allowing 3 different people to manipulate the money going in and out, I denounce that they tell me what is missing when I lost sight of the money because they did not say it to my face when they counted the money. 

I request that you help me to mediate with the bank to actually do the investigation, share a copy of the security video with me or give me a guide on how to proceed in such a situation.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called Experian on Tuesday, XX/XX/2023, to file a dispute over the phone. I spoke to an agent by the name of XXXX in XXXX XXXX. As I was speaking to him, his phone lost connection and made static noise. I kept saying Hello? Agent are you there? Hello? Then the call disconnected. I called back and got to another XXXX XXXX agent by the name of XXXX at XXXX XXXX. PDT. The same thing happened again. The phone made static sound and I was unable to hear the agent. This only happens when I call Experian. It has never happened when I called XXXX or XXXX. Its upsetting because I was on a long hold in order to get to each agent at Experian. The hold time was over 40 minutes. This is unacceptable. I have the phone calls recorded as evidence.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, 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 have been reviewing my credit report and I noticed that there are some fraudulent accounts appearing on my credit report. I will list the items below that I do not recgonize Please see attached!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Today XXXX I received a letter from XXXX XXXX stating that a credit application had been denied back on XX/XX/2022 and listed a credit score that was incorrect to my credit score. 

I immediately called the company was transferred multiple times with no resolution. After asking for a manager several times I was passed off to TransUnion and told they were the ones who provided the incorrect information and this was based on a review of my closed account with them. I told them this doesnt make sense because this letter is stating that I was denied for a credit card I did receive and that was closed due to inactivity. I also asked once I contact Trans Union they advise of my correct score and it does not match listed score who do I contact then. Representative hugged and did not answer my question and requested I contact Trans Union I did contact TransUnion and they did confirm the reflected XXXX score was not correct on their end and they would not have reported that. 

I called XXXX XXXX back and told them this information and was basically told they could not help me and I would have to submit written confirmation and now they could not see this letter. 

Claim XXXX  with TransUnion is XXXX XXXXXXXX XXXX Did not provide a reference number to any of my calls just that I spoke with XXXX Rep Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 filed a cfpb compliant, XXXX on XX/XX/2023 and sent a letter informing that the account was listed incorrectly with many errors. The account was never updated with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a cfpb compliant, XXXX on XX/XX/2023 and sent a letter informing that the account was listed incorrectly with many errors. The account was never updated with the correct 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 2023-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
We have FFELP Spousal Joint Consolidation loans. Since the Joint Consolidation Loan Separation Act was passed last XXXX we have been waiting for the DOE to implement a process for us to separate these loans and consolidate them into Direct Loans so that we may qualify for IDR and PSLF. My servicer, Navient, has been allowing us to put the loans into an administrative forbearance in 2 month increments since then. Recently the DOE came out with updated information saying that they won't have a process in place until late 2024 but that borrowers can have their loans put into forbearance until this process is implemented. I just called Navient because my most recent forbearance was expiring and was told that now that they know there won't be a process until late 2024 that there are no longer any options available to us to stop the payments on these. This is outrageous! We should not have to pay another dime on loans that will be forgiven once the DOE does their job and implements a process for us to separate and qualify for IDR and PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
We initially had our loan through XXXX. It was transferred in XX/XX/XXXX to Mr. Cooper. They have since placed forced hazard insurance on us and refused to refund us the premium and late fees. Our initial homeowners insurance company was involved in a bankruptcy and we were never notified of it. We continue to pay our premiums monthly. They are trying to tell us that were negative. They raised our mortgage payment. We keep getting the runaround and can not get any answers. I believe they have violated the code We have spoken to them numerous times today XXXX XXXX. They told us that they sent us a letter in XXXX which they did not. I have the two welcome letters they sent us. None of them said anything about insurance being lapsed, and then our first bill received from them was XX/XX/XXXX of XXXX and I have a copy of that as well that showed our escrow balance being {$160.00} and some change far from the negative balance I said we had when our loan transferred to them, we did not know we were behind on anything until the middle of XX/XX/XXXX they did not notify us in the required amount of time according to law.

1024.37 Force-placed insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Account XXXX his is for JPMCB credit department In accordance with the fair credit reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since this was your fault for understaff during covid 19 and could not accommodate pay by phone within 24 hours.

Company response to consumer: Closed with explanation