vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX XXXX Please Update Employment Information per job offers and Employment verification letter submitted from Inland -XXXX XXXX XXXX XXXX XXXX. 

Please update inaccurate and Unfair information on my Three Credit Reports to the following : Remove all Delinquent accounts from report due to non-receipt of employment pay checks from 2 Employers ( XXXX-XXXX XXXX XXXX XXXX XXXX. Allow Deposit of approved loan from XXXX XXXX for {$10000.00} into my established bank account or a new XXXX XXXX account. Allow receipt of {$250.00} to be deposited into XXXX account once direct deposit is established of new XXXX XXXX XXXX  account. Remove incorrect residence information and information that is over 10 years old. ( Review letters submitted to Bureaus ) Restore XXXX credit score to XXXX to all Bureaus due to above mentioned and approve {$1000.00} credit line asap with XXXX  XXXX due to inaccurate and Unfair information. See all documents submitted to all Bureaus requesting to update information dated since XX/XX/2023. Review Dispute status and remove inaccurate information about The following account on report : XXXX XXXX. Please increase XXXX score due to Real Estate Valuation updates for XXXX XXXX XXXX XXXX, XXXX SC XXXX. Allow XXXX credit score goal to be achieved by XX/XX/2023 for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX SC XXXX. 

Longevity, Peace and Prosperity XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Email : XXXX Please be informed that this email is intended for the recipient listed. If you are not the person or business entity that is not intended to receive this email and receive it in error, please disregard and delete. This email is not intended for judicial or jailing purposes and is not to be used for scams or defrauding purposes. Thank you for your service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
GM FINANCIAL HAS VIOLATED ALL CONSUMER RIGHTS PERTAINING TO THE XXXX XXXX XXXX. DOWNPAYMENT OF {$1000.00} SHOULD HAVE BEEN REFUNDED DUE TO TRANSACTION WAS APPROVED BY CREDIT. CLIENT DID NOT HAVE TO PUT A DOWN PAYMENT DOWN WHICH IS A VIOLATION 15 U.S. Code 1662 ( b ) - Mixing cash with consumer credit transactions GM FINANCIAL HAS ALSO VIOLATED THE TRUTH AND LENDING ACT 15 U.S CODE 1601 CHP. 41 AGGRAVATED IDENTITY THEFT - 18 USC 1028 A.

1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE ( GM IS NOT ALLOWED TO REPORT THIS INFORMATION WITHOUT MY WRITTEN CONSENT ) 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS ( TO REPORT LATE PAYMENTS IS AGAINST THE LAW ) 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) 11. 42 U.S.Code 2310 - ILLEGAL REPOSSESSION ( GM FINANCIAL NEVER SENT A 10 DAY NOTICE OF REPOSESSION ) NOR THERE IS NOTHING IN THE CONTRACT OF A 3 TIME RULE 15 U.S. Code 1635 ( f ) - right to rescind after 3 ( three ) years ( rescind paperwork was never furnished ) 15 U.S. Code 1635 - right to rescission ( never advised ) 15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 15 U.S. Code 1605 - finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges ( EXPLAIN YOUR FAULTY CONTRACT BECAUSE THIS IS FRAUD ) SEVERAL CORRESPONDENCES HAS BEEN SENT TO GM FINANCIAL ABOUT THIS MATTER SENT CERTIFIED MAIL AND THE COMPANY REFUSES TO RESPOND. AN ORDER TO CEASE AND DESIST HAS BEEN SENT AND GM FINANCIAL HAS VIOLATED THAT OVER 22 TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XXXXXXXX  there was an incident that happened with my debit card where someone was able to comprise my card information and make numerous of transactions at two different XXXXXXXX XXXX XXXXXXXX. The amount of unauthorized money they used was {$760.00}. The person committed to doing 9. Transactions which were 1. {$10.00} 2. XXXX 2. {$100.00} 3. {$100.00} 4. {$100.00} 5. {$100.00} 6. {$99.00} 7. {$59.00} 8. {$100.00} 9. {$100.00}. Ive tried to dispute these charges literally over 6 times and chime kept declining it saying that no error occurred. I would literally talk to a dispute supervisor and they told me if I were able to provide all of the evidence from the officer which were the police reports I shouldve been able to receive my money back. I have yet to this day received my money and this is ridiculous Ive gathered all of the information I could and even the officer working on my case filed for video footage at the gas station but chime keep on insisting nothing happened when all the evidence is provided that proves my case of not doing these transactions. Also, chime didnt notify me when the transaction kept having the same amount of money getting taken out they didnt flag anything and on top of that my card was locked and I was at work. So, how would I be able to make those transactions and I have my card on me. When I spoken to a supervisor at XXXX she stated that a lot of people have been committing fraud and taking peoples card information and placing them on blank cards allowing our cards to run through as credit even if we have access to our cards. I dont know how they did it but all I know is that this is a fraudulent situation and chime didnt take the proper precautions to allowing me to receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today, XX/XX/XXXX, I requested via phone to have an obsolete credit inquiry from XXXX XXXX XXXX  removed from my credit report. The inquiry was made on XX/XX/XXXXXXXX  and was set to be removed on XX/XX/XXXX. That inquiry remains on my credit report even though it has reached the maximum allowed reporting time limit of 25 months. I requested to have the information removed with the reason being that it is obsolete. This morning, I received notification that the inquiry will remain on my credit report despite it being past the legal reporting period.

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 2023-10-03 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: TN

Complaint narrative:
I am a victim of identity theft. I filed a police report and FTC report and submitted them to the credit agencies and disputed my file. The disputes are not being filed correctly and the paperwork is not being attached to the disputes correctly. And I ma not getting copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: TN

Complaint narrative:
I am a victim of identity theft. I filed a police report and FTC report and submitted them to the credit agencies and disputed my file. The disputes are not being filed correctly and the paperwork is not being attached to the disputes correctly. And I ma not getting copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
Mohela has been unable to provide an accurate student loan payment history for my federal direct loans, and has been unable to provide an accurate refund of payments made during the COVID19 forbearance period. The refunds provided have been processed with no financial calculation data or payment history data to justify the amounts refunded. They have provided no accounting records to justify the actions that they have taken, the amounts they have provided as a refund, or a history of transactions for my account. 

Per my bank statements, I have made payments of {$18000.00} during the course of the forbearance period between XX/XX/XXXX and XX/XX/XXXX, I initially requested an account history and refund of payments on XXXX XXXX XXXX and have called monthly to check on the status of my requests. 

I have received a total of {$4900.00} of refund payments from the Department of Education over 5 separate checks as of XXXX XX/XX/XXXX. 

There has been no account statement or documentation from Mohela to accompany these checks or justify the amount or refund. When I called Mohela to verify the payment amounts, they stated they had no other records of my payments and considered the refund request complete. I have no documentation from Mohela verifying that I have made a refund request. I have no statements from Mohela at all. the online portal only says that " Due to the status of your account, limited information may be available on our website. '' This company is committing fraud and negligence at a national scale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
RE : Dispute of Inaccurate Information on Credit Report Dear EXPERIAN, I am writing to inform you that after multiple attempts to dispute inaccurate information on my credit report, you have failed to comply with the law. I have already disputed this information with you through the CFPB, multiple times. However, you have failed to remove the inaccurate information. This is a violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i - Procedure in case of disputed accuracy which requires credit bureaus to remove inaccurate information from credit reports. Notice of Dispute violation via Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute. The FCRA also gives me the right to sue you if you fail to comply with the law. I am requesting that you delete the following accounts attached to this complaint from my credit report within 15 days : If you fail to delete these accounts within 15 days, I will be forced to take legal action. Enclosures : Copy of credit report with disputed items circled Documentation supporting your dispute

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 2023-10-03 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: FL

Complaint narrative:
In XX/XX/XXXX  I started continuing my education at XXXX XXXX. My student loans were and are 100 % paid by grants. As of XXXXXXXX  my loans with XXXX were 100 % paid and the attached leger shows/proves {$0.00} balance. Recently I reviewed my credit report and noticed my previous loan with XXXX is delinquent, which it definitely is not as shown in my attachments. I have written to the three major credit bureaus as well to XXXX XXXX  to fix this issue with no response or resolution. Today I personally went to the student office at XXXX to get this matter fixed and they could only print me a copy of my ledger, they also confirmed that I am not delinquent with any obligations related to XXXX XXXX, I also would not be able to re-enroll a year and a half later if I was delinquent with payment to 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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX  I started continuing my education at XXXX XXXX. My student loans were and are 100 % paid by grants. As of XXXXXXXX  my loans with XXXX were 100 % paid and the attached leger shows/proves {$0.00} balance. Recently I reviewed my credit report and noticed my previous loan with XXXX is delinquent, which it definitely is not as shown in my attachments. I have written to the three major credit bureaus as well to XXXX XXXX  to fix this issue with no response or resolution. Today I personally went to the student office at XXXX to get this matter fixed and they could only print me a copy of my ledger, they also confirmed that I am not delinquent with any obligations related to XXXX XXXX, I also would not be able to re-enroll a year and a half later if I was delinquent with payment to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: FL

Complaint narrative:
In XX/XX/XXXX  I started continuing my education at XXXX XXXX. My student loans were and are 100 % paid by grants. As of XXXXXXXX  my loans with XXXX were 100 % paid and the attached leger shows/proves {$0.00} balance. Recently I reviewed my credit report and noticed my previous loan with XXXX is delinquent, which it definitely is not as shown in my attachments. I have written to the three major credit bureaus as well to XXXX XXXX  to fix this issue with no response or resolution. Today I personally went to the student office at XXXX to get this matter fixed and they could only print me a copy of my ledger, they also confirmed that I am not delinquent with any obligations related to XXXX XXXX, I also would not be able to re-enroll a year and a half later if I was delinquent with payment to 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 2023-10-03 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and XXXX and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good morning, My name is XXXX XXXX XXXX XXXX I'm writing this email regarding a Scam/Fraud that happened on my Wells Fargo checkings account last sunday XX/XX/2023 for one transaction of {$4.00} under the name of a XXXX XXXX XXXX ( whichdoes not exist anywhere ) and its address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another one for {$1.00} under the name of XXXX XXXX and its address : somewhere in XXXX XXXX at the same time of the previous transaction. At the same time I was charged on my XXXX XXXX card under the same XXXX XXXX XXXX, but they investigated and already refunded the amount of the fraud and at that exact moment I was charged on my XXXX card multiple times from the same scammer XXXX XXXX, and they already investigated and refunded the amount as well. 
I went to the XXXX XXXX Police and showed a detective officerevery evidence about this case.The police report number is : XXXX District/Unit : XXXX Rank/Officer ID : XXXX XXXX Police Telephone : XXXX The same the day that I saw all this transactions when I woke up and when I realized those frauds and emails I received I started calling all of the banks to let them know that it was not me and did not authorize those scams. Im good with XXXX XXXX and XXXX, their investigation team did an amazing job and refunded me all the amounts. On the other side, Wells Fargo was different. 4 days later after I filed a claim I called them again to know about my situation and to know where's my hard- earned money. This lady of the XXXX XXXX XXXX Wells Fargo Department that I was talking to, named XXXX, she said to me that the Bank denied my claim and there is nothing they can do, even tho I told them that i did not authorized those payments and how could I spend all my money in one transaction even tho if wanted too i could not, I have to eat.. and if it was that simple for them to deny a claim and that is it, I loose all my money, and yes, she replied that she was sorry but the team did not find any suspicious activity and again that the case was denied. I replied saying that XXXX XXXX and XXXX solved my problem the next day, and again she replied that there is nothing else they can do. That I can go to the scammer 's stablishment ( which does not exist because i looked it up on google ) and ask for a refund ( very uninsterested from her and frustating moment for me ) That same day is the day I went to the XXXX XXXX Police to open an investigation and file my claim to the detective mentioned before in this letter. And for this reason I am seeking 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 explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc.
State: AZ

Complaint narrative:
I am extremely frustrated with Designed Receivable Solutions, a collection agency, and I want to express my dissatisfaction. The handling of my case has been far from satisfactory, as outlined below : Upon discovering that my identity had been stolen, I promptly took action to address the situation. However, the consequences of this unfortunate event have been severe, impacting both my credit score and overall financial well-being. 

Despite my immediate efforts to dispute the fraudulent accounts and collections, Designed Receivable Solutions has not provided the necessary support or assistance. Their lack of responsiveness and failure to take swift action has only exacerbated the stress and difficulties I have been facing.

Resolving this matter has required extensive coordination with credit bureaus, banks, and law enforcement agencies. The collaborative effort to investigate the fraud and restore my credit report has been anything but smooth, and I expected Designed Receivable Solutions to actively cooperate in this process. Unfortunately, their negligence and inefficiency have only added to the already burdensome task of protecting my identity and recovering from the extensive damage caused.

I am deeply disappointed with the level of service provided by Designed Receivable Solutions, and I believe that their actions, or lack thereof, have contributed to the prolonged and distressing nature of this ordeal. I hope that by expressing my frustration, they will recognize the gravity of their shortcomings and take immediate steps to rectify the situation. 

Thank you for providing me with an opportunity to voice my concerns. I trust that appropriate measures will be taken to address this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: CO

Complaint narrative:
The balance on the credit cards have been reduced. The credit card providers indicated that the updates on the card balances were sent to the 3 credit reporting agencies however, my card balances haven't been updated and I need my report to reflect a lower credit utilization since I am applying for a mortgage. The delay in updating my balance is also delaying my ability to apply for a new mortgage.

If I were 30-day late on any credit card payment, the 3 credit reporting agencies would've immediately update my credit report. I am requesting that the credit card balance on 5 credit cards be updated to reflect the lower amount which will increase my credit score.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are several unauthorized inquiries on my report. I have mailed investigation letters to the bureaus and organizations. I have also created a report with the FTC, yet there have been 0 attempts for resolve. These unauthorized inquiries should be investigated and removed immediately, as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several unauthorized inquiries on my report. I have mailed investigation letters to the bureaus and organizations. I have also created a report with the FTC, yet there have been 0 attempts for resolve. These unauthorized inquiries should be investigated and removed immediately, as requested.

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