vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: IN

Complaint narrative:
Many years ago XXXX reported that I owed over {$11000.00} for a car that was already paid off and settled. Every time that I tried to dispute that I owed anything, they would decline my request to update my profile and fix the error. They informed me that the only way to fix the problem is to report it as fraud if I do not owe the debt. This company as well XXXX and Experian all told me it was the only way to have my credit report fixed. because they said XXXX said it has not been paid. They refused the documents I showed them that prove that the insurance and gap insurance paid off the car. For the past year because my credit report had been frozen, I could not see the changes they had made to my account. So, after I reported fraud like they instructed me to do. They secretly updated the account to paid off and took it off of my report. Intentionally misleading me so they can delete the positive history from my account and cause my credit score to go down. I recently discovered this once they finally activated my credit report again and I sent them proof that XXXX recently faxed them information telling them to report it to my credit report. XXXX, as well as XXXX and Experian are all ignoring the emails to keep my credit score low.

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 2024-04-04 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: PA

Complaint narrative:
Despite my diligent efforts, these issues persist unresolved. Enclosed is a copy of the letter I previously dispatched to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' It's crucial to note that I take this matter very seriously. Should you opt not to address my original request, sent via certified mail, I will not hesitate to escalate this matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will result in my insistence on the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: OH

Complaint narrative:
DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION REPORTING IN EXPERIAN AND XXXX, THE ISSUE REMAINS UNRESOLVED AS TO DATE. 

EXPERIAN : 1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed. 
XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.

6. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of XXXX XXXX  XXXX XXXX Account Number : XXXX*** This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a jointnotification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed. 
7. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX  Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed. 

XXXX : 1. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the FCRA, this creditor has violated my rights under 15 USC 1681 section 6 0 2, which states I have the right to privacy ( 15 USC 1681 section 604 section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b ; a creditor may not treat a payment on an account under an open-end consumer credit report to report late for any purpose. 

This information was submitted to all three bureaus regarding the open account XXXX XXXX account # XXXX, which has several late marks that violate my rights as a consumer and is restricting me from gaining access to financial freedom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Used the App Venmo on XX/XX/24 to transfer {$7500.00} from my XXXX Venmo checking account to my personal bank, Selected the option to wait 1-3 business days for transfer. Through the Venmo app it says the transaction did complete to the checking account. On XX/XX/24 Contacted my bank and they have not received a transaction from Venmo. Spoke with a Venmo Representative and they recommended to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-04 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: MD

Complaint narrative:
Transunion is reporting several inaccurate accounts on my credit report. 
I have made multiple attempts to have my information corrected on my report along with requesting original contracts and wet signatures and that information has not been corrected The first account is XXXX auto loan ( attached ) the account reports as joint However, I have no ties to this account.This account is not mine and asked that it be removed from my credit report XXXX XXXX XXXX ( attached screen shot below ) being reported 30 days late as auto loan Under terms it states zero and in comments it states as a ballloon payment on others as a auto fixed rate. Date last active and date of last payment is inaccurate. 
I no longer have a contract with XXXX as the car was paid off in full XX/XX/2022 by XXXX. XXXX did not honor thier payout agreement with XXXX which does not automatically default to original contract terms, requested this account be removed immediately XXXX XXXX XXXX is reporting a open collection in the amount of XXXX. A collection can not be late and I have never had a contract with XXXX XXXX XXXX. Requested validation of this debt and XXXX has yet to provide ( see inaccurate reporting attached ) XXXX is reporting open derogatory account in the amount of XXXX. The last reported date is inaccurate and payment status is reporting charge off collection for which an account can not be opened and charged off. I requested validation of this debt with wet signature and company failed to provide. Requesting this account be removed. 
XXXX is reporting open derogatory account in the amount of XXXX. The last reported date is inaccurate and payment status is reporting charge off collection for which an account can not be opened and charged off. I requested validation of this debt with wet signature and company failed to provide. Requesting this account be removed. 

XXXX XXXX is reporting installment account with payment as XXXX and a charged off. This account is reported incorrectly. I have no record of this account and requested this be validated with wet signature and have not been given thar information to date. 

Acct XXXX XXXX, in the amount of {$890.00}. i have no knowledge of this account and requested this be validated and Was not given validation. I also Had secondary insurance which does not allow to be balanced billed. 

There are multiple inquiries under dispute as a result of my name being spelled incorrectly and credit being pulled without my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal of all information in question above Update XXXX XXXX to show no late payment history as month being reported late was the month we entered into forbearance.

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 2024-04-04 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: Credit Karma, LLC
State: GA

Complaint narrative:
I filed fraud because I lost my card and seen it was being used, i disputed the charge and it directed me to call. During the time of my dispute, I had no access to any of my funds they restricted any acess I had to my money. This morning I get an email my dispute was denied because I was determined to authorize it. I got no other explanation and theres no other way to contest this dispute. I had submitted XXXX request about XXXX days ago of these situations that were escalated and I was assured XXXX would be getting back to me, and they never did. I did not authorize the charges which is why i filed as fraud, but for the reason of denial to be that I in fact did when I initiated this dispute because i did NOT I would be expecting some type of proof or reasoning on how this determination was concluded. I did not get either. They blocked my access to do bank transfers, as well as acess a virtual card. I had to do an instant transfer and even then the representatives told me I couldn't since I no longer qualified. I tried and by the grace of XXXX there must have been a glitch because it worked. I also did not get any communication from the escalation team from the fact they restricted my account and all my access to my funds. Or any explanation to why my fraud dispute was denied because they determined that I authorized charges I clearly said I did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-04 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: GA

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: IN

Complaint narrative:
Many years ago TransUnion reported that I owed over {$11000.00} for a car that was already paid off and settled. Every time that I tried to dispute that I owed anything, they would decline my request to update my profile and fix the error. They informed me that the only way to fix the problem is to report it as fraud if I do not owe the debt. This company as well XXXX and XXXX all told me it was the only way to have my credit report fixed. because they said XXXX said it has not been paid. They refused the documents I showed them that prove that the insurance and gap insurance paid off the car. For the past year because my credit report had been frozen, I could not see the changes they had made to my account. So, after I reported fraud like they instructed me to do. They secretly updated the account to paid off and took it off of my report. Intentionally misleading me so they can delete the positive history from my account and cause my credit score to go down. I recently discovered this once they finally activated my credit report again and I sent them proof that XXXX recently faxed them information telling them to report it to my credit report. Transunion, as well as XXXX and XXXX are all ignoring the emails to keep my credit score low.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION REPORTING IN XXXX AND TRASUNION, THE ISSUE REMAINS UNRESOLVED AS TO DATE. 

XXXX : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.

5. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXXXXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.

6. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a jointnotification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.

7. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXXXXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed. 

TRANSUNION : 1. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.

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 2024-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
For approximately 6 months XXXX  attempted to do a loan modification with Wells Fargo when I lost nearly 20 % of my income. I submitted paperwork on several occasions. However, I never got responses or replies in the replies and is responses that I would receive was no progress made. The representative I was working with kept being changed came to the point that I ended up having to file bankruptcy because of my financial situation. However, I have contacted Wells Fargo why I have not been compensated through the class action suit in. They indicated they didn't identify me as an affected party. This type of behavior by Wells Fargo falls in suit with how they have done business for years

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I have made multiple disputes with " APPLE CARD XXXX XXXXXXXX XXXX XXXXXXXX '' regarding information they are reporting on my credit report. They have never responded to me with any proof whatsoever that I ever agreed to open an account with them. 

I recently realized that I could prove I never opened the account by asking for specific details. So I disputed specific information about the account, including the amount claimed to be owed, and the dates of the supposed account opening and account closing. 

" APPLE CARD XXXX XXXXXXXX XXXX XXXXXXXX '' was clearly upset by this, and decided to get revenge for having been called out on breaking the law. They have now sarcastically updated my account, but to make it appear even worse. 

Despite the account having shown as a collection/charge off since at least XXXX, they updated the account to show a last payment date in XXXX. This also makes the account appear as open, which makes my percentage of used credit appear higher than it is, which significantly harmed my credit score. 

They can not prove I made I payment in XXXX, because I didn't make a payment in XXXX. The same way I never opened an account with them at all. 

They are intentionally breaking the law, and childishly increasing the number of times they do so to make a point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

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 2024-04-04 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: NM

Complaint narrative:
On XX/XX/2024, we ordered foreign currency from XXXX XXXX XXXX using my Capital One Venture X card. I was charged a Cash Advance Fee of {$26.00}. I called on XX/XX/2024 to inquire why I was charged the fee and was told because I ordered foreign currency. But I didn't order the currency from Capital One and I didn't not obtain cash from my credit line with Capital One. 

Last year, I ordered foreign currency from XXXX XXXX XXXX using my XXXX XXXX and was not charged a cash advance fee. 

When I called Capital One to inquire about their Cash Advance Fee, XXXX the agent said the fee is valid and I would be charged 29 % interest on the money every day until it's paid off. 

I just feel this practice is not fair and maybe not legal. I'd like to file this formal complaint against Capital One.

Company response to consumer: Closed with explanation