vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 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: KS

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: NC

Complaint narrative:
XXXX XXXX {$610.00} {$600.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX {$500.00} XXXX XXXXXXXX XXXX {$540.00} I requesting these account to be removed from all of the Credit Report agencies. XXXX XXXX is not my legal name. The accounts are listed and reports different amounts due and the number of times being 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 non-monetary relief
Consumer complaint received 2023-11-16 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: NC

Complaint narrative:
XXXX XXXX {$610.00} {$600.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX {$500.00} XXXX XXXXXXXX XXXX {$540.00} I requesting these account to be removed from all of the Credit Report agencies. XXXX XXXX is not my legal name. The accounts are listed and reports different amounts due and the number of times being 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXX OF THE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/2023, I has spoke to a gentleman by XXXX XXXX, and never returned or answered my. calls and I found out by XXXX of my coworkers that he was no longer an employee at the company. I have been trying to get my refund retuned of {$3500.00} back. I had been emailing the company in order to have my refunds retuned and specifically advised them in writing to mail me a refund with my address and advised them that my bank account was closed. I have been having issues since XXXX XXXX. I have called my bank Wells Fargo numerous of times and advised me that there was a several attempts that they tried to deposit the monies but could not go in to a closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unverified account XXXX XXXX XXXX XXXX unverified account XXXX XXXX XXXX XXXX unverified account XXXX XXXX XXXX XXXX unverified account Please remove address that does not belong to me, I have never lived there : XXXX XXXX XXXX XXXX, Ohio XXXX. There should only be XXXX address on my credit profile. 
Also remove any XXXX XXXX from my credit profile. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/ I sent a dispute letter to XXXX along with my ID I received an email on XX/XX/ that it does not appear to be sent by me. I did send the letter and I feel that they are violating my rights by stalling and not having to look into the account. This is not the first time XXXX has done this to me. These are the dates that I sent the dispute letters on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX XXXX XXXX personal debit card from Capital One was stolen, and i was defrauded for {$320.00} from an unknown ATM two purchases for {$17.00} were made, unauthorized as my card was stolen previously in the day a mobile deposit was placed into my account, for the amount of {$950.00} COMPLETELY unauthorized, presumably with the intent to defraud me even more. 

after speaking with the capital one customer protection resolution team, they told me that the account will be closed, and my relationship with capital one has ended. now here is the most vile part. 

At the time of writing this complaint, there is {$740.00} in said account. as well as a pending {$320.00} for the claim that the thieves stole from my account. capital one refuses to release my funds to me, either electronically, or physically. i live in XXXX XXXX nevada. there is no capital one branch within 500 miles. employee ID XXXX from capital one said and i quote i have nothing else to tell you. you cant access your money now. you will have to wait the 90 days to get your money back. i believe this is especially heinous and unjust, seeing as i was a customer of capital one, seeing as my situation of being defrauded and essentially robbed of my money, and capital one basically telling me to kick rocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Notices from morgage co XXXX XXXX XXXX Call in twice to set up repayment plan Paper work was requested. 
Person on phone could not make arrangement for repayment plan. 
More information was needed. 

Waiting on paper work To resubmit to lossmitigation @

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: MD

Complaint narrative:
They don't communicate with one another. 

Experian, XXXX and XXXX report differently in term of the dates and some amounts. They have closed my complaint but I'm not satisfied with the result of their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
I did not Authorize these inquiries XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XX/XX/2022, XXXX XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Someone keeps lifting the freeze I placed for an extended 7 years and they keep accessing my XXXX  credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase auto closed Paid in Full and Reported negative information,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Mr. Cooper / Nationstar / Seterus has misreported my mortgage with them as CLOSED to XXXX ( XXXX and XXXX are currently fine ), causing a XXXX POINT CREDIT HIT to my score. I have contacted them several times, including TWO disputes through XXXX, a XXXX  complaint, and they keep reporting my mortgage as {$0.00} balance closed. I would like them to properly report my mortgage to XXXX as PAID ON TIME, Unpaid Principal of {$7400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Back in XXXX of 2022 someone stole my credit card and charged multiple items to my card. My ipad and a few other items were stolen as well. I happened to be moving and had people in and out of my house. I opened up a police report and reported the fraud to the police as well as Barclay card. Multiple times barclay card denied my fraud claim stating the card was in my possession, which it was not and another time stating I confirmed a fraud alert they sent which I advised them my XXXX was also stolen and whoever confirmed the message from my XXXX I could not control as it was stolen. When I knew of the fraud I contacted Barclays immediately and did everything on my part. I have been back and forth with them for a year now and every statement and police report I send them the investigator does not read in it entirety. Now I have collections coming after me and my credit has gone down over XXXX points because Barclay fraud investigation has not read my police report or contacted me to discuss the issues despite me contacting their fraud investigations team numerous time. I have notes from their XXXX representatives dating back to 2022 when I would call in almost weekly for an update. At this point I need this fraud removed from my credit card and the collections stopped. I need this fraud claim processed correctly so my credit score will get back to where it was also. Please advise if I need to send over police reports, statements and all of my notes as I have no problems doing so. I can be contacted at 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 2023-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
What happened here is that First National Bank of Omaha wronged me as a customer by violating the terms and conditions of my personal loans agreement. Back in XX/XX/XXXX Ive signed a XXXX personal loan agreement with First National Bank of Omaha XXXX FNBO ) for {$3500.00}. Ive signed up for automatic ACH payments on my account, which made automatic payments to principal and interest at a cost of {$91.00} per month. The first such payment occurred on XXXX XXXX, XXXX. The final payment should have occurred on XXXX XXXX, XXXX, under the terms and conditions of the loan agreement. But FNBO breached the contract by extending the loan term without my consent beyond 48 months. Theyve sent me a XXXX billing statement saying I owe XXXX cents on the loan. An automatic payment of XXXX cents is scheduled to occur on XXXX XXXX, XXXX, and FNBO is still reporting my loan account as active to the national credit reporting agencies. My problem here is that I should have never been sent a XXXX billing statement demanding more payments, and FNBO shouldnt be attempting to collect a XXXX payment from me as it violates the terms of the XXXX loan contract. FNBO deceived me and gave me the false impression that they would report my loan account as paid in full once Ive made XXXX on-time monthly payments. But my personal credit monitoring service records show my FNBO account remains active with XXXX years and XXXX month as an FNBO personal loans customer. My status as an FNBO customer should have ended in XX/XX/XXXX with the XXXX payment that contractually was supposed to be the final payment. Ive contacted XXXX on XXXX XXXX, XXXX, voicing my complaint and requesting they rescind the XXXX billing statement and waive the XXXX fee. The individual named XXXX said he could only convey my complaint to his XXXX. So XXXX making this CFPB complaint to report FNBOs unfair and deceptive trade practice. The fact that XXXX is charging me XXXX cents toward principal in a XXXX payment suggests theyve unjustly enriched themselves. Their calculations for the loan amortization harmed me as a customer for their own gain. They shouldnt be allowed to get away with this blatant breach of contract, and the damages theyve inflicted upon me is greater than XXXX cents. XXXX demanding justice and accountability. Thank you for taking my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: IA

Complaint narrative:
I am currently taking courses online and I have pending due student loan with Sallie Mae a private school lending organization. The problem revolves around the fact that such a firm has been legally informed about my enrollment status and the required formality of requesting the process of deferment has been completed. However, Sallie Mae has not deterred from collecting efforts and has been calling me on a daily basis demanding payment on an account that should be on deferment. The form was e-mailed by me and the school and it was also faxed. However, the collection continues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to COLLECTION BUREAU OF THE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/XXXX I reported a fraudulent charge on my cc by XXXX XXXX. This company patched into a call I made to XXXX XXXX when I was " on hold '' with XXXX and he represented himself as a XXXX reservations person. He lied and told me that the price had increased since I had made my reservation earlier that day. Later that day, I learned from XXXX that this was a lie. I notified Chase cc fraud dept. Chase credited back the charge on my statement. Chase advised me to close my cc account and get a new card in order to prevent any authorized charges. I considered the matter resolved. Two months later, a charge, NOT authorized by me, appeared on my new cc card statement. It was for the same amount that the XXXX XXXX fraudster had put on my account two months earlier. I called Chase Fraud Dept. They said I could re-open my complaint. I sent Chase documentation showing that I had made the original reservation and that XXXX had sent the original charge to my Chase Credit Card. The charge from XXXX XXXX was not removed from my next statement. Chase told me that the amount of time to settle a dispute had expired. I believe that it was unethical, even illegal, to charge my new credit card with the original disputed amount that I did not authorize a second time. Also Chase paid no attention to the fact that the Fraudster misrepresented himself and lied to me. Chase claims that I agreed to the charge so I must pay it. I say that Fraud is when someone misrepresents himself and lies to me in order to get money from me, that this is a classic example of Fraud. This claim is mostly about Chase placing a fraudulent charge on my new cc. It violated what it said would be protection for me.

Company response to consumer: Closed with explanation