vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid the account in XX/XX/year>. They offered to settle the account for {$210.00}. I paid what they agreed to and I asked them at the time of payment will this be removed from my credit reports all 3 bureaus : XXXX, XXXX and XXXX, the representative said yes in 90 Days. If its still reflecting on my credit reports after 90 Days to call them back and request for it to be deleted from all 3 Credit Bureaus. Ive called several times and now theyre saying they cant remove it. XXXX, XXXX and XXXX have all told me Capital One has to request to remove the account from my credit reports and they do have the ability to request for this negative item to be deleted from my credit report. I want Capital One to have their account information deleted from all 3 Credit Bureaus : XXXX, XXXX and XXXX. It is preventing me from finding a place to rent and to establish good credit history. I tried disputing this with the credit bureaus unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
Freedom Mortgage acquired my mortgage in XXXX, XXXX. They increased my monthly payments by a fixed amount that would produce an escrow excess of about {$700.00} a year. A fixed yearly excess would add up year after year. It appeared as though Freedom Mortgage was using the escrow to generate extra income. 
I requested the possibility of maintaining my own personal escrow account. During XXXX, Freedom Mortgage reduced the monthly payment to XXXX, close to the original monthly payment. However, I noticed that they removed the property insurance from escrow. Several weeks later, in correspondence dated XX/XX/XXXX, Freedom Mortgage indicated that they removed the property insurance from the escrow. If I wanted the property tax removed, I need to send funds to cover an escrow shortage. Over the past two months, I have written Freedom Mortgage three times pointing out there was no escrow shortage, once using a payment history screenshot. 
Most recently, Freedom Mortgage has strangely posted on my payment history, payments received on XX/XX/XXXX, payments I never sent that seem to have been credited towards escrow. On XX/XX/XXXX, I received an email from a XXXX # XXXX, Freedom Mortgage Customer Satisfaction Ambassador, asking that I call her regarding an important business matter. I have not called. I am not sure what that business matter would be or what they are up to. The last correspondence I sent Freedom Mortgage on XX/XX/XXXX may  have triggered something.

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 2024-10-11 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: FL

Complaint narrative:
I have been a victim of identity theft. There is a fraudulent XXXX XXXX account on my credit report. This is not mine nor do I have an idea whose account this is. Please delete the fraud account and hard inquiries from my credit reports as soon as possible. The fraud account is XXXX  - XXXX - Opened on XX/XX/XXXX and the fraud inquiries are : XXXX XXXX XXXX XXXX - XX/XX/XXXX and XXXX XXXX - XX/XX/XXXX. I have attached my FTC report, ID, social security cards, and proof of address. I have been going back and forth with the bureaus, specifically XXXX. They told me that they verified it's mine which is IMPOSSIBLE. Please help me sort this issue within this month if possible. Thank you!

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Information regarding account history and balance were reported inaccurately causing me to pay more for things with it negatively affecting my scores. The dated that the company said that the reported amount of {$500.00} was requested to be deleted XX/XX/year> 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 2024-10-10 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: CA

Complaint narrative:
I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an FTC report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.

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 2024-10-10 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: CA

Complaint narrative:
I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an FTC report as I was instructed to by TransUnion. I have sent in this report but these fraudulent items still remain.

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 2024-10-11 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: AR

Complaint narrative:
I have sent letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to Experian, XXXX and XXXX upon my first complaint on this matter.I have sent them countless mail to resolve this matter and they keep sending me a automated message saying that the accounts are valid. I have filed FTC complaints and mailed them to the credit bureaus as well. I have also been keeping up with complaint letters I have been sending them via certified mail. I don't feel they are doing the proper investigations on my accounts and I would like to know what are the steps they are taking to validate the accounts. I want the following fraud items REMOVED from my report : XXXX  XXXX Act # : XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It's against the law for me to complain about the proper construction of my credit report and said agencies to not fix the resolution in a timely matter. I have been complaining for the last XXXX  months and keeping up with my complaints I will now be filing reports with the attorney general about this matter on all XXXX agencies and expecting monetary relief for my pain and suffering.

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 2024-10-10 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: SC

Complaint narrative:
I recently reviewed my report and noticed some fraudulent accounts on my report. Please remove these accounts off my report they are hurting my ability to obtain credit

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 2024-10-10 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: SC

Complaint narrative:
I recently reviewed my report and noticed some fraudulent accounts on my report. Please remove these accounts off my report they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year> I paid the amount of {$460.00} to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The payment was paid in full. The account was charged off due to late payment. After I seen the charge off reflected on my credit report I immediately paid what I owed back in full. I called and spoke with the creditor and I was told that I am in good standing with the account since it was paid and I have a receipt of the account being paid off in full. I have tried to dispute the account with Experian and they have not deleted/removed the account.

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 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
My fiancs car, license, and banking information were stolen on XX/XX/year>. I added her to my Capital One Checking account as a joint account holder after the incident. Someone then attempted to deposit XXXX mobile checks of {$300.00} and {$450.00} on XX/XX/year> into this joint account under her name so I directly reached out to Capital One in good faith letting them know these deposits were fraudulent and requested more information. I had a legitimate direct deposit on the same day from XXXX posted into the account under my name for the amount of {$3400.00} on XX/XX/year>. They proceeded to let us know the account was being closed - and since it was a joint account my current funds of {$3400.00} were not available for withdrawal while they began their investigation on XX/XX/year>. It's been nearly a month and my funds are still locked in the account, and they've told me to call back in 7-10 days. I called a week ago and there's still nothing happening. My money is locked away in this checking account and being withheld from me and I am unable to transfer or withdraw it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Unfair Credit Card Fees and Practices by Capital One To Whom It May Concern : I am writing to file a formal complaint regarding my Capital One credit card account, which was closed by the company in XX/XX/year>. At the time of closure, I had a balance of just over {$200.00} on a credit card with a {$300.00} limit. Since then, I have paid {$130.00} towards this balance. However, due to excessive past-due fees, my balance remains at $ XXXX my credit limitand has not decreased despite my payments. 

Capital One has charged me a total of {$130.00} in past-due fees, and when I called customer service to resolve the issue, I was told that I was required to make monthly payments of over {$100.00}. This amount represents nearly 50 % of my credit limit, and it includes various added fees that continue to accumulate, preventing me from making any meaningful progress toward paying off the card. 

As a person currently struggling in this economy, I made a payment of {$70.00} in XXXX, which was more than I could comfortably afford. Despite this effort, I was charged another {$40.00} fee, which consumed more than half of what I paid, further burying me in debt. These fees are preventing me from paying off the card, as every payment I make is effectively wiped out by new fees. 

I believe these practices are predatory and are designed to keep customers trapped in debt. I have made sincere efforts to resolve this issue with Capital One but have been unable to do so. I am seeking the assistance of the financial bureau to review this situation and help me reach a fair resolution, as I feel I am being unfairly charged. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-10 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: VA

Complaint narrative:
This morning, I was shocked to see inaccurate accounts on my credit report out of nowhere. I always check my report, but this time, there were issues that I just couldnt explain. I refreshed my browser hoping it was some kind of glitch, but the errors didnt go away. Im now asking for a careful review of the documents Ive provided so that I can stop feeling so anxious about this.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Unauthorized use I checked my credit report and notice names and addresses of place I have never lived

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 2024-10-10 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
This has caused me sleepless nights as there are items on my credit report that are a result of fraud to which I have never benefitted from, negatively impacting my life due to these fraudulent activity. I have reported them to the Federal Trade Commission but they are not removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I recently discovered that Chase Bank charged me over {$700.00} in interest on my unlimited credit card between XX/XX/XXXX and XX/XX/XXXX. I contacted Chase 's credit card customer service at XXXX XXXX  on XX/XX/XXXX to inquire about these charges. The representative informed me that the interest was accrued because I had only been making minimum autopayments, instead of full statement autopayments. They also mentioned that there were no interest fees in XXXX as part of a first-year promotion. However, I never received any notification or email from Chase informing me that I would be charged interest starting in XX/XX/XXXX. 

I noticed the interest charges in XX/XX/XXXX, each with different amounts, and I called customer service to ask for details about how the interest was calculated. I also inquired if they could waive part of the interest, considering this is my first Chase credit card, and I had not received any prior notification from them about these charges. Unfortunately, the customer service representative was dismissive, refused to explain how the interest was calculated, and rejected my request for more information on XX/XX/XXXX. 

I kindly request the CFPB to assist in this matter by contacting Chase Bank to discuss whether they can waive part of the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-11 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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