vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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:
CFPB. These Credit Reporting Companies have issues being accurate. XXXX asked for a police report from one of my prior disputes I mailed in to them. I don't think they have responded to the last complaint that has the letter from the alleged Law firm listed on the Bankruptcy record. 

I do not have a bankruptcy! its very clear that XXXX, XXXX, and/or whatever automated method these credit companies are using is inaccurate. Information systems and records are known to be inaccurate and more than 75 percent of credit reports have inaccurate information. They should err in favor of the consumer not the creditors! 

I called the court and they said they do not report to Credit Companies, so how have you been verifying this record? Its an obvious lie. You all have only been doing automated responses from online systems that obviously are known to have inaccurate records. Yet you use it as an excuse to retain the damaging false reports on my credit file. The Lawfirm, and the Lawyer listed on the inaccurate bankruptcy records deny ever having me as a client after they reviewed my identity documents. You can call them and they will tell you also! If you did a proper investigation, you would have learned this years ago! 

I have included the identity theft police report for them along with the documents that prove that the bankruptcy they report on my credit file is NOT mine! If the lawyer and lawfirm confirm that I was NOT the client they represented this should be quickly believed and deleted. Stop being so desperate to make my subprime and sell my data to predatory lenders so they can charge more interest! Delete these records NOW! 

Please move on and stop being so XXXX. You all are wrong for reporting this. Just resolve the issue and keep it moving.

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 2023-07-24 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I called the credit reporting agencies on XX/XX/2023 and let them know the inquires and accounts in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX : Account XXXX Violated my FCRA rights

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
After reviewing my consumer credit report I noticed an account I didnt recognize. Per the FDCPA I reached out to NATIONAL CREDIT SYSTEM via certified mail on XX/XX/ to request verification of debt. I dont recognize the account #, account status, high balance, or late payments associated with the account. NATIONAL CREDIT SYSTEM received my request on XXXX  and has not provide any purchase agreement with my signature which is a violation of 15 USC 1692 ( g ). The information for the account does not meet FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached CREDIT COLLECTION SERVIC  Last reported XX/XX/2023 {$320.00} Open balance XXXXXXXX XXXX Original creditor XXXX & XXXX Last reported XX/XX/2023 {$250.00} Open balance XXXXXXXX XXXX  Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXXXXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to express my concern regarding an insufficient fee charge of {$250.00} that was debited from my Capital One Credit Card account on XX/XX/2023. 

On XX/XX/2023, I initiated a deposit of {$100.00} into my credit card online account, a few minutes later I deposited {$150.00} from my Capital One Checking account to my online Credit Card account. According to the information provided on the Capital One credit card online portal, deposits are processed on the same day with a cutoff time of XXXX XXXX 

Upon reviewing my account activity, I noticed the imposition of the aforementioned insufficient fee charge. However, after contacting Capital One 's customer service on XX/XX/2023, I was informed that the deposit of {$250.00} was notcredited to my credit card account until five days after the initial deposit was made, citing that the funds were not available in the account at the time of processing. 

I find this explanation perplexing, as the online information on the credit card portal specifically states that the deposit is processed on the same day with the mentioned cutoff time. Due to this discrepancy, I kindly request that Capital One thoroughly investigate this matter and reconsider reversing the unjustified {$250.00} insufficient fee charge. 

As a loyal and responsible customer, I have always maintained my accounts in good standing, ensuring timely payments and adherence to all terms and conditions. Hence, I believe that this fee charge is an oversight or an error in processing that needs immediate resolution. 

I kindly request that you conduct a comprehensive review of the deposit process and account activity to rectify this matter as soon as possible. Your prompt attention to this issue would be greatly appreciated. 

If required, I am prepared to provide any additional information or documentation to support my claim. Please find enclosed copies of the deposit transactions made on XX/XX/2023, for your reference. 

I look forward to a swift resolution to this matter and a favorable response from your end. Should you require any further clarification or information, please feel free to contact me at

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I filed a complaint in XX/XX/2023 ( XXXX ) about a disputed corp fee XXXX the bank did reply to me. just saying it was put in after the confirmation XXXX XXXX bankruptcy I do agree with the clam of XXXX and what the trustee payments of XXXX. BUT THE BANK CAN NOT JUST ADD IN EXTRA FEES XXXX with out justifying WHY? This is outside the banks stated clam when i filed XXXX XXXX. I was XXXX XXXX who did this! 
I want to pay up all my arrears at this time However the bank is NOT WORKING WITH ME. 
I can not get a live person to discuss the extra fees i want to solve this problem however i am getting the runaround. 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 explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
First time i noticed this debt collector that is not acredited by the XXXX with many negative reviews on XXXX appear on my report was XXXX this year. i immediately contacted them thru the mail. to ask for debt validation original contract and debt assignement if debt was purchased after discharge which is illegal. i never received any response. they illegally reported on my personal report and i do not know the, its a privacy act matter, as much as a fraudulent matter. im appaled they are on my credit, i want them off. they are causing me great deal of mental anguish and mental health is important. please delete this fraudulent account off my report at once. cease and desist. you have no permissible purpose if you do send account with wet ink signature indicating i have business with your specific company. i refuse to deal with third parties, its my right according to FCRA. privacy act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I sent them a refuse to pay cease and desist letter by certified mail and they keep violating the law by sending me letters under FDCRA Its illegal for them to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: Self Financial Inc.
State: TX

Complaint narrative:
I have disputed several times thru credit bureaus to remove Self Financial as it is fraud, I did not open this account and have filed Identify Theft Report. The bureaus reported back that the merchant stated it was accurate. 
I have contacted Self Financial, at great difficulty as the calls go to the XXXX XXXX XXXX, and the only option is for the person to escalate the call and someone will contact you. An email was received from this procedure and I followed their procedures, ie email and sent the fraud report. Not successful in replying to email by called as you then get the same run around. I have sent certified letters requesting Self to furnish me the documentation used to open this account as required by law, and a form letter dated XXXX was all that I received saying the account is valid. 
I am told this company is termed a " XXXX XXXX Account ''. My credit score runs in high XXXX 's to XXXX, I don't need a credit builder account but I cant get thru to the proper people to remove the account and it is now showing past due and can affect my score. 
The account was opened in XX/XX/2023 and I first was made aware XX/XX/2023 report. 
Please see all my attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: CA

Complaint narrative:
I am writing to urgently request the documents related to a dispute I raised on XX/XX/2023 regarding a {$2500.00} unauthorized transaction on my Venmo account. I am deeply concerned that Venmo 's response has not been in accordance with Regulation E, which mandates timely provision of dispute-related documents to the accountholder. 

On XX/XX/XXXX, after receiving the verdict that my dispute was denied, I initially reached out to the email Venmo provided ( XXXX ) requesting the documents pertaining to the disputed transaction. As per Regulation E, financial institutions are required to provide these documents within a reasonable time frame, typically within 10 business days. However, it has now been over a month since I made the initial request, and I have yet to receive any response or the relevant documents from Venmo. 

On XX/XX/XXXX, I attempted to contact Venmo yet again through their general customer service form, specifying all of the information included in this complaint, and requesting that they send me the following documentation : 1 ) A detailed transaction history related to the disputed transaction.

2 ) Any communication records related to the transaction in question.

3 ) Any and all evidence or supporting documentation related to the dispute.

, as well as requesting that Venmo acknowledge their previous failure to comply with Regulation E and provide an explanation for the delay in delivering the requested documents. However, I received a general response directing me to check my dispute status through their website/app, which does not contain any of the documents I requested, and failed to acknowledge their Regulation E violation as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
NAMES: I need names deleted that I have never used: XXXX XXXX and XXXX XXXX.

ADDRESSES: need old addresses removed: XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX

EMPLOYER:  Remove " XXXX XXXX" and add Current Employer: 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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
NAMES: I need names deleted that I have never used: XXXX XXXX and XXXX XXXX

ADDRESSES: need old addresses removed: XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  
EMPLOYER:  Remove XXXX XXXXXXXX XXXX  and add Current Employer: XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation
State: WI

Complaint narrative:
Heights Finance has not updated my balance paid or reported to all three credit bureaus they have not reported an updated balance since XX/XX/2023 and I am not late on my payments, I am entitled to this information as it is my credit report and I am the creditor. My credit was suppose to increase with on time payments but they are not reporting and it is a violation to my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Your Agency has furnished the records ( see attached ) to the following XXXX XXXX XXXX Transunion, XXXX and XXXX. I have also filed previous complaints regarding the erroneous reporting accounts. You have previously been notified through these agencies regarding my dispute. Your agency has failed to be in compliance with the Fair Credit Reporting Act. Under this act your agency have failed at its duties pursuant to 15 USC 1681s-2 ( b ), 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 15 USC 1681s-2 ( a ) ( 1 ) ( B ) The these continuusly reporting of the folowing acconts. XXXX ( XXXX ) - ( XXXX ) XXXX, XXXX XXXX XXXX  ) - ( XXXX ) XXXX, XXXX ( XXXX ) - ( XXXX ) XXXX make your agency prone to suit pursuant to 15 USC 1681n and 15 USC 1681o i will also XXXX damages. To avoid any further actions I request that you Delete the accounts from Transunion, XXXX and Transunion within XXXX days of this 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 non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid 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: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
On XX/XX/XXXX I purchased from indepth engraving in the amount of {$2600.00}. I entered into negotiations with the owner of the company XXXX XXXX, XXXX XXXX ) after agreeing the individual sent me a invoice through his company via XXXX account. The individual stated that the order will be coming from XXXX so he wouldn't expect product for 6 to 8 weeks later. After some time past I made contact and the individual notified me that he had issues with the factory in XXXX and that he had to use another factory. Some time after he notified me that the color that I ordered was wrong and that they had to redo the batch of color again to get it right. The individual then sent me a picture of the correct color and I approved which would be shipped out asap and that he should expect it by boat from XXXX around late XXXX or early XXXX. I then contacted him XX/XX/XXXX with no response then XX/XX/XXXX with this response... " Sorry I work night shift. I sleep during the day. Im closing the business, I have gone bankrupt due to shipments getting lost, call your bank and file a chargeback dispute. XXXX has frozen everything so I cant issue refunds. ". I immediately filed a dispute with my XXXX credit card ( XXXX XXXX XXXXXXXX XXXX ) on XX/XX/XXXX. XX/XX/XXXX I received a email stating that my request is acknowledged but they need some time to investigate. When I made my dispute they requested that I send the original invoice and the XXXX chat that showed the individual stating that I need to file a dispute with my credit card company. XX/XX/XXXX I received another response back stating that they were not going to investigate my dispute because the purchase was made more then 120 days ago. I immediately responded to the email stating that no investigation was even conducted because of the 120 days and that I was appealing this discion. I received no response back so I called them today XX/XX/XXXX ( after the weekend ), the response I was give on the phone was the same thing past 120 days good luck next time. I explained that end of XXXX early XXXX was my expected shipment arrival but they did not want to hear about it. I have consulted with a lawyer and was told to file civil litigation against XXXXXXXX XXXX XXXX XXXX but before having to go through that I was hoping that you may help me to get them to understand that I'm protected under the fair credit billing act through the federal government.

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