vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 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: WI

Complaint narrative:
On XX/XX/2024 - I sent out a letter to XXXX, TRANSUNION AND XXXX regarding a few inaccuarate inquiries Ive came across on my credit reports that weren't authorized by me. ( Documents attached ) On XX/XX/XXXX - A month went by and after hearing nothing back from neither of them, I followed up by sending an additional 30 Day Follow Up letter to each bureau. 

On XX/XX/XXXX- I received a letter from XXXX stating that they needed a copy of my drivers license and social ( which I in fact did send along with the letter ) and stated that process could take an additional 30 days. 

On XX/XX/XXXX - I also received a letter from TRANSUNION which was in fact nothing but a copy of my credit report with attached instructions to dispute online. 

I still have yet to hear back from XXXX regarding the inacurate inquiries since 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 2024-05-05 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: WI

Complaint narrative:
On XX/XX/year> - I sent out a letter to EXPERIAN, XXXX AND XXXX regarding a few inaccuarate inquiries Ive came across on my credit reports that weren't authorized by me. ( Documents attached ) On XX/XX/XXXX - A month went by and after hearing nothing back from neither of them, I followed up by sending an additional 30 Day Follow Up letter to each bureau. 

On XX/XX/XXXX- I received a letter from XXXX stating that they needed a copy of my drivers license and social ( which I in fact did send along with the letter ) and stated that process could take an additional 30 days. 

On XX/XX/XXXX - I also received a letter from XXXX which was in fact nothing but a copy of my credit report with attached instructions to dispute online. 

I still have yet to hear back from Experian regarding the inacurate inquiries since 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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-05-05 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: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-05-05 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: MO

Complaint narrative:
XXXX XXXX is charging XXXX $ late fees. This is excessive and should be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I attended the XXXX XXXX from XXXX. The school and their parent company was fined by the federal government for fraudulent practices and the accreditation of the program was revoked even though I received my degree. Any student holding federal loans has been given discharge of these loans due to their predatory lending practices and misleading recruitng for job placement. I have previously applied for the XXXX XXXX XXXX XXXX and have had my federal loans forgiven for this school due to the evidence submitted. All Federal loans for this school have also been forgiven regardless of application status for XXXX XXXX XXXX XXXX by the Department of Education as of XX/XX/XXXX. 

When I attended this school I had just turned XXXX and was in the most vulnerable population of students. I had moved across the country and was initially provided with grants to fund my tuition due to my XXXX XXXX XXXX XXXX XXXX One month into attending this school while maintaining a high XXXX I was called into the head student loan servicer office and told my grants were being revoked because they were only for new students. I was forced to apply for private loans with my parents before being able to apply for federal loans. I had given so much and planned for so long to attend this school. I made a decision under high pressure with little awareness for the long term consequences. 

Students like myself should not be left out of loan forgiveness for private loans from this fraudulent lender. 

I have paid my loans faithfully since XXXX and I owe more on my loans than the original principal still after 16 years. 

Navient is about to transfer all of it's private loans to a federal loan servicer XXXX by the end of XXXX. Any money I continue to pay on this loan will never be refunded to me. My degree has no accreditation. I demand this population is considered for relief from these fraudulent, high interest student loans. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Blockchain.com, Inc.

Complaint narrative:
Hello, I am writing you regarding a problem with the company Blockchain.com, their company number is XXXX and they are registered at XXXX XXXX. XXXX, XXXX. 

I am now waiting since XXXX XX/XX/XXXX for XXXX which I deposited on this date. They put the deposit Under Review and wanted some proof of source of funds, which I sent them instantly. But I am not getting any answer from them. 

Thats why I want to ask you kindly to contact blockchain.com and tell them they should pay me my money out. 

It is not lawful that they let me wait for this long, I always answered instantly on their E-Mails and always cooperated in the best way possible. I always provided the needed documents. 

Please contact them and tell them to pay my money out on the following bank account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX My support ticket number at blockchain.com is # XXXX and my account information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you need more information please do not hesitate to contact me. 

Kind regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My mom, XXXX XXXX, manages my finances while I am in XXXX XXXX. She is a user on my credit cards and makes all payments. I asked her to dispute a {$5.00} printing charge made on XX/XX/year> ( the printer was broken ). She tried to do it and Venture employee " XXXX, XXXX, XXXX '' would not allow it, refused to allow my mom to speak to a supervisor, and told her she needed to be the designated " account manager '' not a user. When my mom asked how I could make her a manager, XXXX refused to answer and hung up on mom, when she continued to ask. She was rude and unhelpful. I found a link in my account to make my mom the account manager ( it gave two choices -- user or manager -- I choose manager ), and attempted to make my mom manager but the system said she was already a user so I could not make her manager. I tried several times and gave up. I need : # XXXX help disputing the {$5.00} printing charge and # XXXX help making my mom the account manager, not just a user. If I have to choose only one ( user or manager ) I will choose manager.My mom doesn't use her account anyway. Please help.Thanks. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On the evening of XX/XX/XXXX I was contacted by an unidentified person posing as an employee from the Wells Fargo fraud department. I was told that there were fraudulent transactions on my account and that I needed to move money from my account to a safe location while these issues were resolved. Within seconds, {$10000.00} was stolen from my account and used to make purchases at an XXXX XXXX in XXXX XXXX. A XXXX XXXX detective is working with the XXXX XXXX Police Department. 
Wells Fargo is one of several large US banks facing lawsuits from customers where the financial giants have lax security measures, dont properly verify large transactions and shrug their shoulders as fraudulent transactions are reported in real time. This was all reported to Wells Fargo almost immediately. They still refuse to accept any responsibility at all, putting the entire blame on me.

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 2024-05-05 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: MD

Complaint narrative:
I continue to request Experian remove inaccurate and erroneous information. Experian refuses to provide said information. 
I have provided the information required to show that all my accounts have been paid as agreed, and never 30 days late.

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 2024-05-05 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: GA

Complaint narrative:
I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

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 2024-05-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear CFPB Represenative : : On or about XX/XX/XXXX, I opened an investigation into an inaccurate tradeline of a 30 day Late Pay on my Equifax, report by XXXXXXXX XXXX  ( XXXX XXXX ), and reported a number of violations of the Fair Credit Reporting Acting. I asked that this inaccurate tradeline be CORRECTED or DELETED immediately. 

Not only has this matter NOT been not corrected or deleted, IT HAS BEEN MADE WORSE by the credit bureau. 

Today, XX/XX/XXXX, they are reporting the tradeline from XX/XX/year> as 60 DAYS LATE, intensifying the damage to my reputation. 

How could I now be 60 days late, according to my Equifax credit report, when there is now not even a tradeline indicating that I was 30 days late ( which, per my previous claim, I wasn't ). 

This must be corrected to " Paid on Time '' IMMEDIATELY, as it is not only negatively impacting my reputation, but my ability to gain employment. 

Do I need to seek LEGAL REMEDIES against Equifax, the card issuer, First Progress, or both? I have included a copy of this tradeline from my XX/XX/XXXX credit report, as well as my credit report I downloaded on XX/XX/XXXX -- only a few days after I submitted my first claim. 

Let me you remind you that according to 15 USC 1681i 5, Credit Bureaus are expected to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 1681i ( 7 ) they are expected to provide me with the following : ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they have NOT done this as well. 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Interest rate for my vehicle says 8.02, but the payment is more aligned with an 8.1 - 8.12 % rate. Around XX/XX/XXXX -XX/XX/XXXX, I reached out again to Capital1 to inquire and they gave me the run around, passing me to other 'depts '. XXXX from the 'Finance office of the president ' said she'd have someone look into the matter and get back with me, but I've not gotten a clear calculation of how $ XXXXmo payment for 72 months equals to an 8.02 interest rate for an original {$41000.00} loan. I'd like to have this investigated properly, and for Capital One to refund any unnecessary and extra payments I've made, along with the interest charged on any erroneously calculated and accrued balances, fees, and/or interest. I want to be made whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-05 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-05 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: CO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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