vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-07-07 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXXXXXX XXXX XXXX  provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. CAPITAL ONE AUTO FINAN Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC XXXX XXXX XXXX XXXX XXXX XXXX STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C systems Collection XXXX XXXX XXXX XXXX XXXX  was paid before closing account with them. 
Account closed more than XXXX  years ago. 
XXXX XXXX XXXX was holding refundable deposit of {$300.00} required to open account. 
XXXX was kept by XXXX XXXX XXXX to fully cover last bill. 
Last bill amount due was {$200.00}. 
Remaining {$99.00} from {$300.00} deposit was to be returned to me by check. 
Requested last bill showing deposit used for payment covering last bill. 
But last bill was not sent stating this because they said it wasnt possible to specify on bill that deposit was used to cover last bill. 
Account was assured paid covered by initial deposit and closed. 
Never received remaining {$99.00}. 
Called many times but was never given an answer only that my account was closed and bills were not sent out to accounts that have been 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 2022-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
XX/XX/XXXX XXXX received letter cancelling auction on XX/XX/2022 XX/XX/2022 - was told that on that date Carrington communicated with their lawyer to proceed with auction XX/XX/2022 - received conditional short sale approval. Spoke with Carrington Mortgage. Company to return call with instructions. Spoke with XXXX who is in the closing department not the short sale. 

XX/XX/2022 - Mortgage company attorney XXXX  ( XXXX XXXX ) went into court ( XXXX XXXX ) and had judge approve auction for XX/XX/2022. Homeowners ( XXXX XXXX & XXXX XXXX ) were NOT aware of this date but Carrington attorney states we were and proceeded with getting Judge approval. 

Why did mortgage company proceed with auction on XX/XX/2022 but approved conditional short sale on XX/XX/2022. When calling mortgage company they continued to say it was a mistake. Home was auctioned today and we will be going to court to file an appearance and motion to vacate sale of home to proceed with short sale as agreed on XX/XX/2022 verbally on a recorded line with Carrington Mortgage We never received any documentation regarding the auction on XX/XX/2022 which coincides with not being made aware of court on XX/XX/2022. Last court date we had in XXXX we had 90 days to do as we which. We completed a XXXX and that resulted in the Short Sale Approvel which was confirmed and accepted on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have sent 4 letters to Wellfargo Credit Card services since XXXX to request a full validated of information being reported to the 3 Credit Bureaus ( XXXX, XXXX, and XXXX ) The most recent letter was was sent via certified mail on XX/XX/XXXX. However, wellsfargo has yet to directly respond to any letters within the last year despite sending the mail receipt back in 2 instances. In the letters I have requested validation of information being reported on my credit report, what entity furnished the information, and an accurate 1099C that reflects the full reported amount owed to properly amend my tax returns.

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 2022-07-07 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: PA

Complaint narrative:
I am submitting this on my own behalf, no third party is involved. This company, Experian, has ignored and/or not address properly the 5 correspondences that I have sent them to have a bankruptcy record on my report DELETED. They could not show proof of their investigation and how it was verified, and they also MUST delete it because it had multiple inaccuracies which I proved by showing them the consumer reports from the 3 CRAs. I gave them my written authorization to get this item deleted and they need to comply. 2 of the few violations they have taken while investigating my request are included in the attached invoice.

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 2022-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Received a call requesting payment for comedy bank. I asked for verification of debt, was directed to a website that only had my name, the debt amount, and creditor info. No explanation of charges, no proof of validity. XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX and 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 non-monetary relief
Consumer complaint received 2022-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
To whom it may concern : I have requested several times for this entity to provide me with the resources used to verify these XXXX accounts which they have not provided to me as of XX/XX/2022. 

I am aware as they are that they are violating my rights as a consumer. I am requesting the method and information that was used to " verify/validate '' these accounts that I have listed below. I have allotted XXXX  days for this information to be sent to me. I have removed the account numbers as requested by you all at this time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, 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 2022-07-07 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: AR

Complaint narrative:
To whom it may concern : I have requested several times for this entity to provide me with the resources used to verify these XXXX accounts which they have not provided to me as of XX/XX/2022. 

I am aware as they are that they are violating my rights as a consumer. I am requesting the method and information that was used to " verify/validate '' these accounts that I have listed below. I have allotted XXXX  days for this information to be sent to me. I have removed the account numbers as requested by you all at this time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: AR

Complaint narrative:
To whom it XXXX concern : I have requested several times for this entity to provide me with the resources used to verify these XXXX accounts which they have not provided to me as of XX/XX/2022. 

I am aware as they are that they are violating my rights as a consumer. I am requesting the method and information that was used to " verify/validate '' these accounts that I have listed below. I have allotted XXXX days for this information to be sent to me. I have removed the account numbers as requested by you all at this time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, 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 2022-07-07 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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking # - XXXX According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXXAccount # XXXX XXXXAccount # 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 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
This has been a consistent problem XXXX checking account where fees are being charged regardless of the chronological order of transactions or the balance. I called a representative of the bank and inquired today about what charge caused the NSF fee and she said she did not know when I asked how could that be? the response was " You were charged an NSF fee with a chuckle " even though I asked for an accounting of my account. I feel powerless and like I am being profiled. Please look into this I work very hard for my money and this is ridiculous. 

XXXX XXXX XXXX  - XXXX transactions PreAuthorization XXXX  XXXX XXXX  Transaction in Process ( Pending ) {$8.00} XXXX Check Hold ( Pending ) {$75.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX - {$25.00} XX/XX/XXXX {$83.00} Transfer fee - {$5.00} XX/XX/XXXX {$100.00} From XXXX  XXXX {$16.00} XX/XX/XXXX {$110.00} NSF ACH Not Paid XXXX - {$32.00} XX/XX/XXXX {$96.00} Acorns Invest ID XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX- {$100.00} XX/XX/XXXX {$120.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$19.00} XX/XX/XXXX {$220.00} # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX - {$6.00} XX/XX/XXXX {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: ME

Complaint narrative:
I paid off my loan in full on XX/XX/2021. I called after XXXX days to ask where my title was, and was told it would arrive in XXXX days. 

A month passed and I called again and was told " the account wasn't closed correctly '' and my title would arrive in XXXX days. 

Every single month since then I have called when I receive a statement in the mail and am told the EXACT SAME THING. 

I tried contacting the title department and was told they don't handle those requests and was transferred to XXXX ( my car wasn't leased ) who then transferred me back to customer service who said my title would arrive in XXXX days. 

Now, almost XXXX  months after paying off my car, I still do not have my title!

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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I applied for credit on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX and was denied. I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, stating that I was denied credit due to low credit score of XXXX and they based their dictions on information gathered from TransUnion XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX PA XXXX. Ph # XXXX XXXX XXXX. My score is XXXX and I just purchased a new home.

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 2022-07-07 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 — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX my avant card was charged XXXX. I did not authorize this charge. I have tried to call the company and have been on hold for up XXXX hours.

Company response to consumer: Closed with explanation