vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX XXXX # XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX XXXX # XXXX DOB : XX/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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax failed to delete inaccurate and outdated personal information such as addresses and names on my consumer report. The letter was received XX/XX/22, pursuant to USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX. In the letter I contained a copy of my ID, Social Security Number, and a utility bill and a letter requesting to delete outdated personal information and update with current personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I opened my Upgrade checking account on XX/XX/XXXX. In XX/XX/XXXX, they froze my account and would not allow any checking transactions or debit transactions. I completed a verification call with Upgrade to verify ownership of two linked external banks in XXXX and XX/XX/XXXX. Since then, Upgrade has not communicated the status of my checking account, and the account is frozen. I've contacted the company in XXXX, XXXX, XX/XX/XXXX. In XXXX, they told me that they'd finalize closing my account on XX/XX/XXXX. In XXXX, they said the account was still 'in review '. I called again in XX/XX/XXXX and they still show the account as 'in review. I have {$4500.00} in this checking account and can not access it. 8 months is a long time to hold my funds without communicating the status of my account to me. I would like to have my account closed and my funds returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To EQUIFAX : I have filed a dispute several times with your company involving a Bankruptcy Public Record incorrectly reported on my Equifax credit report. The updated Equifax report shows Bankruptcy Public Record as VEFIRIED AS ACCURATE. You state you obtained Bankruptcy Public Record Information from local, state, and federal courts through a third-party vendor, XXXX. I have included a letter from XXXX stating they dont report bankruptcy on my consumer file. You have also listed the Agencys contact info as the US Bankruptcy Court. The Bankruptcy Court has both mailed me letters that emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and confirm public records. Please provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report or my release authorization bearing my signature. In the meantime, to fully comply with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Failure to respond satisfactorily within 30 days of this letter will result in a small claims action against your Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; XXXX ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: FL

Complaint narrative:
My XXXX XXXX  account has two months reporting as late payments which they are not, my accounts are on autopay so these late payments are incorrect and need to be updated in my credit reports. The account is XXXX the months reflecting on my report are XX/XX/2021 and XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This company is called XXXX XXXX or Ally Financial and they keep calling my number 6 times a day at least asking for someone I have never heard of. This is a new number and I imagine this was the previous owner of the number. I called them back to report this and they asked my name and said they would take my number off and for me to hold the line. I held the line for over a half-hour and they never came back to the line and continue to harass and call my number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I consumer XXXX XXXX, sent CONNS XXXX XXXX a cease and desist letter to stop the infringement upon my intellectual property rights. In that letter, I also demanded an audit trail of this account as well as a debt validation letter to exercise my rights as a consumer to validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
unauthorized transactions, charging me overdrafts fee and i never had my card it was lost

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Credit Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus and JPMCB CARD but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 

( JPMCB CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Scam perpetrated on XXXX XXXX in afternoon. Alleged shutting of power off. I am a XXXX XXXX XXXX XXXX XXXX retired and shutting power off is alarming. XXXX used to pay alleged non payment of {$730.00}. Live Bank of America Associate in Fraud Protection talked to me within two hours of event and told me I had addressed scam timely and transaction would NOT go through. 
While reviewing my account online on or about XXXX XXXX, I saw a withdrawal of {$730.00}. I immediately called BOFA and a scam number was established. 
I have since visited branch banks four times in person in two municipalities and spoken to BOFA associates working at home in XXXX ; Tennessee ; Texas ; and P.A. Just to name a few and spent over 40 hours on hold over the phone cumulatively. 
I was given XXXX XXXX XXXX to email ad head of customer service. Website identifies her ad President of Retail Banking. She has not returned either email. 
One Associate by phone told me the perpetrator received the money at XXXX XXXX and suggested I go there which I didXXXX XXXX rightfully told me it was BOFAs responsibility so I again visited a BOFA branch bank. No results. 
Help please! These are sophisticated criminals and I will make an excellent witness for the prosecution. Lets get them and get me the hugely needed funds!

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 monetary relief
Consumer complaint received 2022-01-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX financial account has two months reporting as late payments which they are not, my accounts are on autopay so these late payments are incorrect and need to be updated in my credit reports. The account is XXXX the months reflecting on my report are XX/XX/2021 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: FL

Complaint narrative:
My XXXX XXXX  account has two months reporting as late payments which they are not, my accounts are on autopay so these late payments are incorrect and need to be updated in my credit reports. The account is XXXX the months reflecting on my report are XX/XX/2021 and XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
To whom it may concern, This letter is to put capital one auto on notice of federal law violations : In a consumer credit transaction with capital one for a credit extension I found a few issues in the practices of capital one. The capital one XXXX XXXX stated A down payment was required for the vehicle in the amount of {$4000.00}. However, the federal law states clearly the following : 1662. Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( XXXX ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( XXXX ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 

https : //uscode.house.gov/view.xhtml? req=granuleid : USC-prelim-title15-section1662 & num=0 & edition=prelim Furthermore XXXX I found an issue with the excessive charges in addition to the {$24000.00} finance charge of the credit transaction. The law clearly states : 12 CFR 1026.4 - Finance charge. 
The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 

( b ) Examples of finance charges. The finance charge includes the following types of charges, except for charges specifically excluded by paragraphs ( c ) through ( XXXX ) of this section : ( XXXX ) Interest, time price differential, and any amount payable under an add-on or discount system of additional charges. 

https : //www.consumerfinance.gov/rules-policy/regulations/1026/4/ In addition to the finance charge Capital one has tacked on interest which is illegal by law. 

Capital One does not supersede federal law. Capital One knowingly produced a fraudulent loan that is completely in violation of the Truth in lending act. In addition, this loan has caused me to take a hit to my consumer report. This is a blatant violation of the truth in lending act and my consumer rights. In order to protect my consumer rights I have forwarded this complaint to XXXX XXXX the state Attorney general and my State attorney general XXXX XXXX for further investigation. I have also forwarded to the OCC. 

CC : XXXX XXXX XXXX : XXXX XXXX XXXX : OCC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion LLC failed to delete inaccurate and outdated personal information such as addresses and names on my consumer report. The letter was received XX/XX/22, pursuant to USPS tracking # XXXX In the letter I contained a copy of my ID, Social Security Number, and a utility bill and a letter requesting to delete outdated and innaccurate personal information and update with current personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My loans are with Nelnet, which I thought was a federal loan servicer for starters and would automatically fall into the government mandate to postpone repayment. I was granted the first government covid relief repayment postponement from XXXX to XX/XX/XXXX without going into my account and applying for a forbearance. The US government then issue another mandate before I was due to start again in XX/XX/XXXX, which I thought put me in the clear until XX/XX/XXXX. 

In XX/XX/XXXX, Nelnet restarted my payments without any notification through physical or online mail. Unaware that my payments were now restarted, due to the fact that I never got a physical mail or any emails. I also assumed that my payments fell the new government mandate, coupled with the fact that I didn't get any emails or physical mail stating otherwise. Nelnet claims that they sent me an inbox message in my Nelnet account. One, I never elected to elected paperless mail only. All through the years, I've always gotten physical mail or a forward mail from Nelnet to my listed email, but this time nothing. It is my suspicion that Nelnet was intentionally targeting loan holders in order to get them into default on their loans. 

Even though they admit that they were at fault for not sending a physical mail or email notifying me that my payments were due, they still refused to retract the 6, 90 day late payments that dropped my credit score from XXXX to XXXX. 

In the last 10 years, I've worked very hard to build my credit, never a late payment. If I was aware of the payments due I could have easily manually put them on forbearance, but I was not notified at all through any means that I provided. I believe that because they could not show proof that they notified me through reasonable channels that these late fees reported on my credit should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom it may concern, Upon checking my Trans Union credit report, I found several inquiries on my report that were not created, generated, or authorized by me. I have no knowledge of these companies nor have I applied with any credit from them. I have reached out to each company and they can not tell me who or why these inquiries were generated, As it stands, I am now fearful that these unauthorized inquires are negatively impacting my credit and may hinder me from acquiring credit for me and my family in the future. According to the FCRA, any fraudulent, or incorrect information on my report must be removed immediately upon my request. Therefore, I am requesting that Trans Union make an immediate removal the following inquires on my Trans Union credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove this inaccurate information immediately. 

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 non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
Theres no clear explanation who, when and how I owed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have fraudulent addresses that keep reporting on my consumer report please delete these addresses from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: AL

Complaint narrative:
I have fraudulent addresses that keep reporting on my consumer report please delete these addresses from my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
This company services my mortgage loan. On at least eight occasions I have attempted to make payments on the principal. The company has hind, lost and or rejected payments on the the principal even though I paid up to date on the mortgage. 

In XX/XX/2021, I made a payment to this company of {$500.00} to be applied to the principal only. This was made over the phone and the representative said it could be done. ( I have the XXXX XXXX XXXX statement showing this ). The company is now saying that this payment was never made. I have proof of the payment. 

The company is constantly misappropriating my funds. I find that they discriminate against me and my mother. I have constantly had issues with them over payments, fees, and made up changes. 

They have hindered me from paying on the principal. I have documentation showing various misjustices that 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