vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am submitting this updated complaint due to a mistake with the original complaint I filed on XX/XX/XXXX, Case Number : XXXX because I wish to bring to your attention an error in the initial submission. 

Upon review, I realized that I mistakenly attributed the complaint to XXXX when it should have been directed towards Equifax. During my interaction with XXXX from Equifax, I received information from her and her supervisor, which forms the basis of this complaint. 

Furthermore, I would like to inform you that I attempted to delete or edit the original complaint but encountered difficulties in doing so. Therefore, I am submitting this message as a new complaint to ensure that the correct information is properly documented. 

I apologize for any confusion this may have caused and kindly request that the record be updated accordingly to reflect the correct entity, Equifax. 

On XX/XX/XXXX, I contacted Equifax and spoke with XXXX regarding 8 paid student loans listed on my Equifax credit report. These loans are marked as 60, 90 & 120 days past due for XXXX, XXXX and XX/XX/XXXX, totaling 24 late payments on my credit report, significantly impacting my credit score. During my conversation with XXXX, I inquired about when these late payments would be removed from my report. She initially informed me that they would fall off in XXXX, as XXXX reported them to the credit bureau in XXXX. However, upon speaking with a supervisor, I was informed that the late payments would actually be removed in XXXX, XXXX, and XX/XX/XXXX, which is 7 years from the original delinquency date. The supervisor also stated that despite the late payments being removed in XXXX, the actual loans will not be removed from my credit report until XXXX. This discrepancy arises because XXXX is reporting them as current, in good standing, and paid as agreed. As a single mother and school teacher, these derogatory marks on my credit report continue to significantly impact my ability to move forward financially. Despite missing only 3 payments in XXXX due to a divorce, these paid loans continue to affect my life and overall well-being. I am actively seeking resolution to this issue and appreciate any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sir/Madam I am writing to express my deep concern and disappointment regarding the letter of recent closure of my business credit card, associated with my business " XXXX XXXX XXXX XXXX ". As a longstanding and loyal customer of Chase Bank, I was surprised and troubled by this decision, particularly as there was no apparent reason provided for the closure. 

Since establishing my business in XXXX, I have maintained a flawless record of financial responsibility, both personally and professionally. My business, XXXX XXXX XXXX XXXX, has thrived under the support and partnership of Chase Bank, and the sudden closure of my credit card has left me feeling unsettled and anxious about the impact on my business 's credit profile. 

I want to emphasize that I have always conducted my business affairs with the utmost integrity and compliance with all applicable regulations. There have been no issues or irregularities with my account that would warrant such drastic action. Therefore, I respectfully request that Chase Bank refrains from closing my business credit card and provides me with a detailed explanation for the closure decision. 

The closure of my business credit card not only affects my ability to manage expenses efficiently but also has the potential to negatively impact my business 's creditworthiness and financial stability. As a valued customer, I believe I deserve transparency and fair treatment from Chase Bank, and I trust that you will take my concerns seriously and address them promptly. 

I kindly request that my business credit card be reinstated at the earliest convenience to mitigate any further disruption to my business operations. Additionally, I would appreciate any assistance or guidance Chase Bank can offer to ensure the continued success and prosperity of my business. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOME ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Made dispute in XXXX, ans this year XXXX of alleged debt that this account was involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, in fact therefore any such debt, in fact therefore exists pursuant to 18 USC 8, L owe no debt, this company is violating my consumer rights to privacy pursuant to 15 USC 1681-B2 company as no permission to report my information per 15 USC 16814 .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: CO

Complaint narrative:
Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXXXXXX ACCOUNT XXXX  XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.

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 2024-04-21 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: GA

Complaint narrative:
SOMEONE WAS LIVIMG UNDER MY IDENTITY BECAUSE I HAD XXXX CREDIT AT THE TIME. GOING TO THE HOSPITAL IN MY NAME AND EVERYTHING. I WAS MOVING BACK AND FOURTH FROM XXXX  TO XXXX  AND SOMEONE STOLE MY IDENTITY I HAVE PROVIDED POLICE REPORT AND FTC REPORT AND XXXX  AFFIDAVIT. XXXX STILL SAYS IT WAS ME. JUST BECAUSE PAYMENTS WERE MADE ON THE ACCOUNT THATS NOT ENOUGH EVIDENCE BECAUSE IF SOMEONE IS LIVING UNDER YOUR NANE OF COURSE THEY WILL PAY TO GET CREDIT INCREASES. THEY NEED TO PROVE IT WAS ME OR REMOVE THE XXXX  ACCOUNTS IMMEDIATELY. BECAUSE I SHOULDNT HAVE TO PAY FOR SOMETHING I WAS A VICTIM OF. 
These are the account numbers. 
XXXX 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 2024-04-21 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: Navient Solutions, LLC.
State: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I used to have a Paypal account and then thieves got a hold of my debit information somehow and compromised it so I had to get a new one. In the process, I had so much trouble with Paypal, I decided to close the account. It took endless amount of time, research, and persistance, but I finally succeeded. However, now I am having trouble with some merchants such as XXXX  XXXX which are using Paypal billing services and now my card is not going through for those merchants. I think Paypal is getting to big for their britches, to use a colloquial term, and need to be set right. I hope you can do this. I have sworn off using XXXXXXXX XXXX XXXX  to order anything because since XX/XX/XXXX, payments have failed to go through, commencing with a try in XX/XX/XXXX and again today, XX/XX/XXXX. I told them to fix the problem and they didn't so that's their consequence. However, I don't want the Paypal problem to continue and spread. The reason I think it's them is that XXXX XXXX XXXX accepts Paypal as payment, which they didn't before, and because I discovered while searching on XXXX that one possible reason for decline could be a card associated with a Paypal account that was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: IL

Complaint narrative:
I recently reviewed my credit report and was shocked to see accounts that were opened fraudulently. I've notified the 3 major credit bureaus numerous times and no action has been taken on behalf of these institutions, whom continue to break the laws of the united states constitution by continuing to report this inaccurate information of my credit profile. This neglect has been hindering me from buying a home for my family. Please take the necessary action of upholding the constitution by removing these inaccuracies 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 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I received an email last night stating that my credit score has changed. When I checked what happened, it showed Capital One had put a hard inquiry on my credit. I didn't apply for a credit card from them, nor do I have an account with them. I called Capital One and asked what was going on. They said they couldn't find any account under my name and thst their applications department was closed for the weekend. After that, I called all 3 credit bureaus to notify them. I'm not sure if I should freeze my credit or lock it. XXXX said to file an FDC report, but when I did I was redirected to CFPB. They also said to send in my own written letter stating that I want the Inquiry removed. Capital One said to go into a branch to try and resolve but the nearest branch is XXXX miles away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: CO

Complaint narrative:
Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: CO

Complaint narrative:
Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.

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 2024-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
The original debtor XXXX has sold this account to various people. A lawyer is now contacting me saying they can sue me but the original debtor sold the bill and now interest is being added. Then another company called saying they have acquired this debt also, confused on who to pay and why if the bill was sold off why am I being charged interest. My debt has not be validated and the amount and interest keeps changing as well as being reported as such on my credit report. The lawyer did send me an agreement to sign after threatening to take me to court and get more money! I am at a loss and I would rather invoke my right to compel arbitration on this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My mortgage was transferred to Mr. Cooper. I have been trying to submit a payment with them and they told me they accepted it but they never took money from my account and keep sending me letters with default payments. I have recorded an automated system with the confirmation of my payment. It looks like their system is not working or they are doing it on purpose to get over my equity. I found multiple complaints from the other customers online on the same matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Bank Name Sofi Bank Contact number XXXX ( XXXX ) XXXX Issue two disputes Dispute number XXXX RE : Acct # : XXXX Merchant Name : XXXXXXXX XXXX XXXX  Transaction Date : XX/XX/XXXX Total Amount : {$4900.00} Disputed Amount : {$4900.00} Claim Date : XX/XX/XXXX Dispute # XXXX RE : Acct # : XXXX Merchant Name : XXXXXXXX XXXX XXXX  Transaction Date : XX/XX/XXXX Total Amount : {$330.00} Disputed Amount : {$330.00} Claim Date : XX/XX/XXXX I have been thru it with Sofi bank I was sold a XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX TX XXXX phone XXXX XXXX purchased the car look like it had some shock issues and the guy that sold me the car assured me it would be fixed as I waited so to make long story short on XX/XX/XXXX not even a full 30 days I was driving in the freeway at XXXX mph  the shocks fell and the car fell to the freeway floor I was almost hit by a huge truck I then contact XXXXXXXX XXXX  and had the vehicle towed to XXXX per XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas the shocks are not good they were patched up and to sale the vehicle I contacted the owner towed the car back in to his lot and told him I wasnt interested in the vehicle and I had contacted my bank for a refund now I have turn in everything Sofi bank requested from me receipt of purchase and all information I have Ive returned the car to owner but still havent had any luck with the dispute Sofi back office is no help as Ive been told its no way to speak with them also I have tried to call them multiple times for information on my disputes and after looking up my disputes I immediately receive rejection from the bank like they have been paid to work for the sale man or something they beginning to stutter over words tell me that that cant see anything in the system laugh disrespectful in my ear per sale man the money was taking by Sofi bank from his account on XX/XX/XXXX I have yet for it to post to my account I under stand the whole 190 day ordeal but if the money has already been recouped from the sales man why havent I received it and its been two weeks an just receiving disrespect from bank by phone very frustrating please feel free to contact me anytime I want to file a complaint on this bank immediately XXXX XXXX XXXX Phone XXXX As of today XX/XX/XXXX no note no actions have been taking no new notes have been added my large dispute has been sitting on someone desk just collecting dust per Sofi bank

Company response to consumer: Closed with explanation