vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX - showing my account was charged off but that's not true XXXXXXXX XXXX XXXXshowing my account was charged off but that's not true XXXX XXXX-showing my account was charged off but that's not true

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-04 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: MD

Complaint narrative:
I was having problems with XXXX which is my insurance company where they kept increasing my monthly payment due to total loss of my XXXX XXXX XXXX vehicle from an accident on XX/XX/XXXX which was replace by a XXXX XXXX XXXX. This problem also causes me problems with the XXXX in which they say I was driving the vehicle without insurance. I was XXXX  at the time and having problems with my XXXX  income, so I called XXXX at the end of XX/XX/XXXX to let them know about the problem and how can I return the vehicle. They told me that I can voluntarily surrender the vehicle, and I agree. I told them to pick-up the vehicle in XX/XX/XXXX and they told me that they would schedule the pick-up and called to let me when. I gave them the location where the vehicle was park which is at the XXXX XXXX XXXX XXXX XXXX where I was staying in XXXX XXXX at that time. They email me a letter to e-signature and the date of pick-up shown on the letter is XX/XX/XXXX, a copy of the letter is enclosed. XXXX kept reporting me to the credit bureau for delinquent account, and derogatory account. I filed dispute with the credit bureaus several time and they kept reporting. I need and would like for them to stop.

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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was XXXX charged with 2 XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX. One charge was expunged for {$140.00} ( it could be for free if I could get a judge to sign off on an XXXX XXXX XXXX and for the other one the law firm of XXXXXXXX XXXX XXXX XXXX charged me with {$2500.00}. This is clearly an over-charge. I also did not give express verbal or written approval to the law firm to work on the expungement of this summary offense and they acted unilaterally ( on their own ) almost like a boutique law firm selling bundled services. 

I have talked to them twice about a partial refund but they don't want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Charge on my Capital One Visa credit card for {$130.00} on XX/XX/year> from merchant " XXXXXXXX XXXX XXXX '' I never gave this merchant authorization to charge my credit card. 
They claim the charge was for a no show cancellation fee, however they never sent any text or email reminder. And the fact remains that I never gave them permission to charge this card. 
The merchant had my card details from a previous appointment and took it upon themselves to use this card to charge me {$130.00} for not showing up. 
The merchant provided a copy of an on-line cancellation policy form with a box checked acknowledging the policy, however there was never an appointment booked on-line, nor was this document ever provided to me. This document is fraudulent. 
Capital One at first credited the charge, however they later reinstated the charge. 
At this point neither the merchant nor Capital One will provide any help in this matter. 

Contact info - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX. 

Capital One XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Tell XXXX XXXX Case # XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FCDPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of this. More so the didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA im entitled to {$1000.00} per violations and clearly they have violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: KS

Complaint narrative:
On XX/XX/year>, my wife gave birth in XXXX XXXX XXXXXXXX and the XXXX XXXX XXXXXXXX XXXX XXXX did not have XXXX coverage at that time. We were told that the process would take a month for him to obtain coverage. In the mean time, we can still go for check up and services after birth for him. We can claim it with XXXX later and the bills would be paid. 

When our XXXX XXXX XXXX XXXX coverage, we forwarded the bills for payment immediately. However, XXXX XXXX  still sent us bill and request for payment. When we called them, they told us that we did not have insurance coverage for our XXXX XXXX XXXX. We provided our insurance information to them to clear things up. However, they refused to listen and they insisted that we don't have coverage because the name on the insurance does not match the name in their system. The name on their system is XXXX XXXX and the name on our insurance is XXXX XXXX XXXX. They insisted that we owe the amount and we should stop playing games and start paying bills. They hung up on us after a few rude remarks. 

In fact, they have the wrong name on their billing system. We tried to tell them the issue but they refused to listen. According to XXXX XXXXXXXX XXXX XXXX XXXX record, the name they have is also XXXX XXXX XXXX. The name on the birth certificate is also XXXX XXXX XXXX. The name has been very consistent with the insurance and there was no apparent issue with names. In addition, they also billed us with the same name on the card insurance. 

We don't know why they did not update our insurance information for prompt payment. Instead, they insisted on being right and wasted everybody 's time and energy to satisfy their ego. It does not worth anything but troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: OH

Complaint narrative:
I asked this company Self/XXXXXXXX XXXX to verify and validate this debt theyre falsely reporting on my credit report and wont provide any information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. As a victim of a data breach, my personal information has been compromised, resulting in unauthorized accounts and inquiries appearing under my name. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of these items from my credit file. 
Fraudulent Accounts : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. As a victim of a data breach, my personal information has been compromised, resulting in unauthorized accounts and inquiries appearing under my name. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of these items from my credit file.

Fraudulent Accounts 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
" I reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these 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 2024-12-04 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: OK

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a police report with the XXXX sheriffs department due to multiple fraudulent accounts being opened on my credit report I also have attached my identity theft report from the FTC. Along with a copy of my identification. These accounts are fraudulent and the result of identity theft. 
1 ) capitol one {$6400.00} opened XX/XX/XXXX XXXX ) XXXX XXXX  {$3000.00} opened XX/XX/XXXXXXXX XXXX XXXX 3  ) capitol one {$3000.00} opened XX/XX/XXXX 4 ) XXXX XXXX XXXXXXXX {$2800.00} opened XX/XX/XXXX 5 ) XXXX {$4500.00} opened XX/XX/XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) is a section of the Fair Credit Reporting Act that requires a consumer reporting agency to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. The agency must block the information not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer, a copy of an identity theft report, the identification of such information by the consumer, and a statement by the consumer that the information is not information relating to any transaction by the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. 
They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are some of my personal information is incorrect

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We started this equity loan at end of XXXX, with New Rez, XXXX XXXXXXXX XXXX XXXXXXXX, they said it XXXX take approx XXXX weeks. At first, they answered my questions and took my payment for online appraisal. After many weeks, no call back or email until after I said I was going to report them.Then they asked for proof of my husbands business that has not existed since XXXX, sent them our last XXXX XXXX XXXX XXXX. Then they asked about another loan that popped up " somehow '' as its not on any of our credit reports, so told them we thought it was included in our XXXX in XXXX. Then they said we didnt send taxes for XXXX, I said look again because I sent it.After sending XXXX taxes again, she said she found it. Then still no updates, I left a few voicemails and also sent email, got a response that she hopes to call us later that day. Still no call, no email. Then they sent another set of same esign docs with no explanation, just need you to sign again. So we did that same day. We have never not answered or given them what theyve asked for. Yesterday, we get a letter showing a different amount of loan originally offered without notice of the change in the mail saying " principal reson for denial : Insuffient funds to close the loan '' what does that mean? I tried to call XXXX, again, had to leave a voicemail. We have NEVER been asked for money to close the loan. We have plenty of equity in our home. I do know our credit is not the best but after owning our home for over XXXX yrs AND having NewRez as our XXXX mortgage, we have never missed or been late on a payment. Guess that doesnt mean anything at all anymore. I hope noone gets ghosted like we did. Thanks for listening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: IA

Complaint narrative:
I am writing to formally request that the accounts and inquiries listed below be blocked and deleted from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), as I have been a victim of a recent data breach. The information relating to these accounts is now compromised, and I am exercising my rights under federal law to ensure they are permanently removed from my credit report. 
The following accounts should be blocked and deleted : 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 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 response to consumer: Closed with non-monetary relief