vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
This company has illegally obtained my personal information from a company without consent of the consumer in order to collect in amount of {$790.00} and to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-02-27 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: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I am currently selling my property under an assumption loan process. I went under contract with Buyer in XXXX of XXXX. I am still in the assumption process to this day. My assumption officer is XXXX XXXX at Freedom Mortgage. The buyer, myself, and my realtor to include the title office vice president have contacted her and freedom mortgage on numerous occasions with no response. We know that we are conditionally approved but have no received any other answers from them. The lack of communication is ridiculous and just want this process to come to a close and finally close.

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 2024-02-27 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: TX

Complaint narrative:
Information not properly verified and inaccurate information still present on my credit profile. Removing information and reinserting it. 

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 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 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 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 non-monetary relief
Consumer complaint received 2024-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was checking my credit report and I saw several inquiries that I did not authorize, at the moment I called those banks or institutions and they told me that they could not help me, and to call the XXXX credit bureau which were those institutions and they sent me to fill out a report with you so that you would authorize them to delete those inquiries from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX Barclays XXXX XXXX to close the card since i do not use the card. When I opened the card in XXXX of XXXX I paid a {$99.00} annual membership fee upfront for the year. I am now closing it 5 months later since i do not use it. The credit card company is refusing to issue me a prorated refund for the remaining 5 months in annual membership dues since the card is closed. They closed the card without first advising me that the annual fee is non refundable. I spoke to a supervisor, XXXX, who told me " they just dont do that '' and " its understood that the annual fee is non refundable ''. I've looked over their terms of service, and i do not see anywhere where it states that the annual fee is not refundable. Please refund my remaining annual membership fee for the remaining months that the card remains closed.

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 2024-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on account under an open end consumer credit plan go late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
As of XXXX my payments counts stop qualifying because a forbearance was placed on my account without my permission. 

I wish to file a complaint with MOHELA XXXX XXXX. I have contacted them multiple times regarding an unrequested forbearance that has halted the increase of my payment counts for public service loan forgiveness. The attached letter does not pertain to me, as I did not initiate this. Kindly remove this forbearance since I did not authorize it through phone, email, or written consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: MI

Complaint narrative:
XXXX CREDIT FOR A PLACE I NEVER HEARD OF IN MY LIFE. THIS IS HORRIBLE THAT MY LIFE IS RUINED DUE TO SOMEONE ELSE 'S USE OF MY INFORMATION.PLEASE FIX THIS IMMEDIATELY OR I WILL SEEK FURTHER ACTION. 
XXXX XXXX {$83.00} XXXX XXXX {$0.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX  XXXX {$580.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} INQUIRIES : XXXXXXXX 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 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

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion response to my request for documentation reads as follows " In order to process your request we need clarification regarding your dispute. We sent you a letter to request the name of the specific item, the reason you are disputing it and included instructions on where to send it. 

Transunion is playing a cat and mouse game with me because they do not actually have any proof that I owe or incurred this debt. They are asking for me to provide " specific Items and the reason for disputing ''. All of this was included in THEIR response ( please see attached ). 

They have all the specific items ( which they listed in their response ) as well as the reason for the disputes. They are playing a cat and mouse game and have refused to provide me with any documentation AT ALL. This is unlawful and unacceptable You will see in the attachment I sent that Transunion provided and indiviual response for each item I disputed and therefore are fully aware of the " specific items ''.

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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone apply a credit card ( capital one ) and using it isnt me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: VA

Complaint narrative:
American Credit Acceptance is trying to repossess our vehicle claiming we are 3 months late when we aren't and they are telling us the payoff is XXXX when the whole account was XXXX all together at purchase, 22 months ago and we have paid over XXXX, $ XXXX per month, including {$3500.00} as down payment and they've taken a lot of it for fees and taxes and whatever else. I checked my credit report and American credit Acceptance is not reporting all payments we've made to them the whole 22 months. We paid XXXX down on the vehicle at XXXX XXXX XXXX 22 months ago. That isn't even being counted and our vehicle is now up for repossession when it shouldn't be. We are not behind 3 months, one more payment should pay it off. They want more money and won't uphold the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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. I urge you to take immediate action to update my account accordingly.

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 2024-02-27 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. I urge you to take immediate action to update my account accordingly.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I Had taken the XXXX  vaccine and had XXXX XXXX  and I almost lost my house and California relief XXXX helped me out! The Mortgage company was paid in full reporting incorrect! and this is hurting my credit saying paying Parcial payment when its not the fact! They have been paid in full and showing late payments when I took the government vaccine and it almost XXXX  me! so sad. XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 and there is other late payments that are inccorect

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 2024-02-27 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:
I Had taken the XXXX  vaccine and had XXXX XXXX  and I almost lost my house and California relief grant helped me out! The Mortgage company was paid in full reporting incorrect! and this is hurting my credit saying paying Parcial payment when its not the fact! They have been paid in full and showing late payments when I took the government vaccine and it almost XXXX  me! so sad. XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> and there is other late payments that are inccorect

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX, I requested two money transfers from my personal bank using XXXX. 
The first transfer was sent immediately but second transfer was placed in a pending status. 
Upon my review in my Paypal account, the second transfer was changed to an echeck with a delivery time of 7-10 days without my knowledge or authorization. 
When I questioned PayPal about this, I was told that my bank had made this change, and I needed to talk to them. 
I did talk to my bank and was told and confirmed by them that the money was transferred out of my bank account on on XX/XX/XXXX. They advised me to reconnect with Paypal for further clarification, which I did. 
I called PayPal a second time and this time I asked to speak with a supervisor. I was refused. I left a call back number with PayPal to allow the supervisor to call me at their earliest convivence. I have not received a call back. 
So now I have money in a pending status without reason or explanation, which has created difficulty for me and the recepient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: GA

Complaint narrative:
DISCOVER BANK IS IN VIOLATION OF THE EQUAL CREDIT OPPURTUNITY ACT WHICH STATES 15 U.S.C. 1691-1691f This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling. CONSUMER APPLIED FOR ACCESS OF CREDIT VIA THE TENDERING OF AN APPLICATION. APPLICATION # XXXX. ACCESS WAS DENIED ON THE BASIS OF CONSUMER RECEIVING PUBLIC ASSISTANCE AND QUESTIONS WERE ASKED ABOUT CONSUMER 'S DWELLING PAYMENT AMOUNT AND ASSETS. CONSUMER HAS REQUEST A COPY OF THEIR APPLICATION AND ITS VALUATION. DISCOVER BANK RECEIVED AN ASSET BACKED SECURITY IN THE FORM OF A SIGNED APPLICATION BUT CONSUMER DID NOT RECEIVE THE FULL BENEFIT AS PROMISED IN DISCOVER 'S MOST RECENT SEC FILINGS INCLUDING THEIR PROSPECTUS, XXXX AND XXXX FILINGS. AUTHORIZED AGENT FOR PRINCIPAL XXXX XXXX WILL FILE AN INVESTOR COMPLAINT ALONG WITH IRS FORM XXXX REQUEST FOR AN AUDIT OF THE ACCOUNT. Possible penalties for a lender who violates provisions of the ECOA include but are not limited Civil liability for actual damages. Civil liability for punitive damages. Punitive damages are limited to non-governmental entities. Punitive damages are capped as follows : The lesser of {$500000.00} or 1 % of a creditors net worth in a class action lawsuit. {$10000.00} on an individual claim. Costs and attorneys fees awarded to an aggrieved applicant in a successful private action. Equitable and declaratory relief. This complaint is being submitted Without Recourse and with All Equitable and ALL Inalienable Rights Reserved.

Company response to consumer: Closed with explanation