vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
This is a new card, the card was never activated by my authority, and should not have ever been. A charge was placed by XXXX for a {$7.00} membership fee that I never agreed to or signed up for. I contacted Capitol One to advise of this and ask to dispute the charge several weeks ago. This dispute, after being on phone for some time was never initiated or a record was not even kept of this part of the call. There is a record that I did call in and ask about doing so, however card # is XXXX. I do not feel I should have to ash for same assistance and have to keep up on what was promised and keep requesting over and over. 
If this is happening to me how many others are being abused like this as well?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This companyXXXX XXXX XXXX  bankcard, flagged my account for fraud when someone cancelled the card and tried to have a new one issued and sent to a different state. This was after they let that person make a payment using one of my stored payments on file, and then they made purchases maxing out the card and go way over the limit. XXXX XXXX never called, sent a text, or a notification by email! Two weeks had passed before I knew anything about the fraud. I AM IN THE MIDDLE OF A MORTGAGE LOAN. THIS COMPANY HAS REFUSED TO GO IN AND UPDATE ON THE CREDIT BUREAUS MY TRUE BALANCE AND CREDIT UTILIZATION. THEY ARE SHOWING ALL OF THE FRAUD CHARGE AMOUNTS WHICH SHOWS MY CREDIT UTILIZATION AT XXXX XXXX. I AM ABOUT TO LOSE THIS MORTGAGE APPROVAL AND THE ALL OF THE FIRST TIME HOME BUYER ASSISTANCE AND GRANTS BECAUSE THIS HAS DROPPED MY SCORE BY XXXX POINTS. THAT ALSO MEANS I NO I AM NO LONGER ELIGIBLE FOR XXXX PERCENT DOWN.. THEIR FALSE REPORTING OF MY ACCOUNT IS CAUSING ME TO LOSE MY MORTGAGE LOAN, GRANTS AND ABILITY TO CLOSE ON MY LOAN IN XXXX WEEKS. I HAVE CALLED NUMEROUS TIMES BEGGING THEM TO PLEASE CONTACT THE CREDIT BUREUAS AND REPORT MY ACCOUNT CORRECTLY. THEY HAVE REFUSED TO DO SO AND TOLD ME THEY ONLY UPDATE ONCE A MONTH. THIS IS IN EXCUSABLE AND THE INFORMATION THEY ARE REPORTING IS FRAUDULENT BECAUSE OF IDENTITY THEFT THAT THEY LET HAPPEN AND THEN WILL NOT REPORT MY ACCOUNT INFORMATION WITHOUT THOSE FRAUD CHARGES. THEY HAVE COST ME MY HOME LOAN AND MY HOME. THIS IS CRIMINAL WHAT THEY HAVE DONE

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company, XXXX XXXX bankcard, flagged my account for fraud when someone cancelled the card and tried to have a new one issued and sent to a different state. This was after they let that person make a payment using one of my stored payments on file, and then they made purchases maxing out the card and go way over the limit. XXXX XXXX  never called, sent a text, or a notification by email! Two weeks had passed before I knew anything about the fraud. I AM IN THE MIDDLE OF A MORTGAGE LOAN. THIS COMPANY HAS REFUSED TO GO IN AND UPDATE ON THE CREDIT BUREAUS MY TRUE BALANCE AND CREDIT UTILIZATION. THEY ARE SHOWING ALL OF THE FRAUD CHARGE AMOUNTS WHICH SHOWS MY CREDIT UTILIZATION AT XXXX XXXX. I AM ABOUT TO LOSE THIS MORTGAGE APPROVAL AND THE ALL OF THE FIRST TIME HOME BUYER ASSISTANCE AND GRANTS BECAUSE THIS HAS DROPPED MY SCORE BY XXXX POINTS. THAT ALSO MEANS I NO I AM NO LONGER ELIGIBLE FOR XXXX PERCENT DOWN.. THEIR FALSE REPORTING OF MY ACCOUNT IS CAUSING ME TO LOSE MY MORTGAGE LOAN, GRANTS AND ABILITY TO CLOSE ON MY LOAN IN XXXX WEEKS. I HAVE CALLED NUMEROUS TIMES BEGGING THEM TO PLEASE CONTACT THE CREDIT BUREUAS AND REPORT MY ACCOUNT CORRECTLY. THEY HAVE REFUSED TO DO SO AND TOLD ME THEY ONLY UPDATE ONCE A MONTH. THIS IS IN EXCUSABLE AND THE INFORMATION THEY ARE REPORTING IS FRAUDULENT BECAUSE OF IDENTITY THEFT THAT THEY LET HAPPEN AND THEN WILL NOT REPORT MY ACCOUNT INFORMATION WITHOUT THOSE FRAUD CHARGES. THEY HAVE COST ME MY HOME LOAN AND MY HOME. THIS IS CRIMINAL WHAT THEY HAVE DONE

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 

The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts named : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 

The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts named : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 

The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts named : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2023-08-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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 2023-08-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

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 2023-08-07 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquired on XX/XX/2023 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 2023-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FC HoldCo LLC
State: NJ

Complaint narrative:
On XXXX of XXXX I purchased a XXXX XXXX XXXX XXXX and began financing with XXXX XXXX. I refinanced the loan shortly after with Car Finance who was then acquired by XXXX XXXX XXXX XXXX c/o Flagship Credit Acceptance . 

Once I began to learn and discover the truth about consumer law I realized I was taken advantage of by XXXX XXXX XXXX XXXX XXXX XXXX 

I attempted to rescind my car contract with Flagship Credit Acceptance which in turn they reported the loan as charged off. They then proceeded to repossess the vehicle after I made SEVERAL attempts to communicate with them and even requested a payoff amount letter so I can handle the balance. They refused to send me the payoff letter. Not only were my rights violated, Flagship Credit Acceptance wrongfully repossessed my vehicle. XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX have been XXXX to deal with.

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 2023-08-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

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

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 2023-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Navient As one of the many affected by the lack of implementation of the Joint Consolidation Act, XXXX, my former spouse and I have been working towards the long term administrative forbearance that has been requested by the Department of Education XXXX 

My former spouse claimed XXXX XXXX bankruptcy in XXXX, which put the joint account into a bankruptcy forbearance. ( I had no knowledge for months that this had occurred, as I was working towards getting our IDR payment plan recertified ). I was told by Navient that in order to get the discretionary administrative forbearance as the Department of Education had outlined, both my former spouse and I had to be on the line together. As my ex and I are amicable ( to a degree ), I was finally able to get her on the phone with myself and a Navient account specialist on XX/XX/XXXX. On that call we both verbally requested that the bankruptcy forbearance be rescinded. The CSR, who had spoken to a supervisor about this process, said that it would be sent to the next level of bureaucracy to be discussed and that we should have a decision by XX/XX/XXXX, at which time one of us could call back and have the loan put under the discretionary administrative forbearance outlined by the Department of Education. I called on XX/XX/XXXX & spoke with a CSR named XXXX, who indicated that the request for rescinding the bankruptcy forbearance had been denied. No reason was given. After escalating the call to a supervisor, I received the exact same information : The request was denied on XX/XX/XXXX. No further information was available. I continued to make " What if? '' statements to try to find out what mechanism was necessary to make this happen, such as a letter from the bankruptcy attorney or even a letter from the bankruptcy judge citing that the XXXX was to be excluded from the bankruptcy. No information was available. The supervisor finally said that since it was in bankruptcy, the guarantor of the loan may have more information. XXXX at XXXX. 

As the loan is in my former spouse 's name and I am listed as a co borrower, I can not get access to any information with XXXX. We need to know how to get this bankruptcy forbearance removed from this JOINT loan. If the loan stays in the bankruptcy forbearance, both the former spouse and I will miss out on months, if not years of PSLF counts, as the administrative forbearance will count towards PSLF, whereas the bankruptcy forbearance time will NOT. Both of us have been XXXX XXXX XXXX for 25 years ( I'm on year XXXX ), have never been eligible for any XXXX  forgiveness program, PSLF program, etc. due to being in this Joint Spousal Consolidation Loan program, which was abandoned on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

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 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: LA

Complaint narrative:
I had set up my tax refund to be deposited directly into my XXXX checking account, someone got into the account while my funds were depsoited and used my virtual debit card, after which I had closed the card and opened a new card but they turned around and denied my claim when they never even investigated it. My card was used fradulently and they are denied my claim. The charges disputed were clearly fraud as I myself have confirmed by contacting XXXX XXXX and other merchants that charged my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX |Original Creditor : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX - XXXX XXXX | 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

These inaccuracies are stopping me from the ability to get new credit cards, to get a house for my family, to get a new car, etc.

Company response to consumer: Closed with non-monetary relief