vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Not only will they not work with me but it was predatory lending which was initiated by XXXX. Also I just paid {$1200.00} or so payment ( it was late etc ) but only {$7.00} went to the principal. At this rate Ill never pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX? XXXX & XXXX % XXXX % XXXX & XXXX LoanCare , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX We have provided everything they have asked for them they come up with another excuse why they can't release our money.

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 2024-02-20 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: VA

Complaint narrative:
I submitted a written letter to the three major credit bureaus to update the correct spelling of my name, my current address and employer my social security number and date of birth while requesting the removal of previous incorrect information. I mailed that letter on XX/XX/2024. 
XXXX, Transunion and XXXX denied my written request in a letter response to me sent via mail to my current address. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2024-02-20 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: VA

Complaint narrative:
I submitted a written letter to the three major credit bureaus to update the correct spelling of my name, my current address and employer my social security number and date of birth while requesting the removal of previous incorrect information. I mailed that letter on XX/XX/2024. 
XXXX, XXXX and Experian denied my written request in a letter response to me sent via mail to my current address. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
This negative collection account by Debt Recovery Solutions was reported to the credit bureaus, and added to my credit report of XX/XX/year>. I have NO KNOWLEDGE of this debt, and have never personally had an account with Debt Recovery Solutions. 

I also search up on the XXXX  website to verify if this company is legally licensed to collect any debts for the state of South Carolina, where I reside as a resident and they do not. 

Any attempts that DRS is making to collect on a debt within South Carolina would be considered illegal due to no license. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: FL

Complaint narrative:
There are 3 fraud inquiries on my TransUnion report. 

1. Inquiry Date : XX/XX/XXXX Name : XXXXXXXX XXXX  2. Inquiry Date : XX/XX/XXXX Name : XXXX XXXX 3. Inquiry Date : XX/XX/XXXX Name : XXXX XXXX There are 2 fraud inquiries on my XXXX report. 

1. Inquiry Date : XX/XX/XXXX Name : XXXXXXXX XXXX 2. Inquiry Date : XX/XX/XXXX Name : XXXX I want them removed immediately. Police report and Identity theft reports have been made. I have disputed these, they are not correct, and they are affecting my ability to get credit.

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 2024-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This goes against the Consumer Protection Law states 15 U.S. Code 1692d - Harassment or abuse. It is XX/XX/2024 and this company is still emailing in regards to this debt. This debt has been charged off. 

This debt has been written off. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. An 1099-C has not been administered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: FL

Complaint narrative:
Documentation I requested under RESPA The Payment History, the Account Ledger showing 101 monthly payments of {$790.00} collected by servicer US Bank National from XX/XX/XXXX to XX/XX/XXXX, has not been provided to me yet. 
I am entitled to the information and the servicer will not give it to me. 
I have been asking US Bank for this information for 2 years now.

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 2024-02-20 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: DE

Complaint narrative:
Called customer service of company that I am not the sole owner of the account since I am a users of the card only and that the owner had removed me from his account. Which the representative had confirm that he had removed my name and I am not responsible for payment and they can't give me any information on balance. It should take about 60days from removal to post is what they said. It's been 6 months and every time I call they keep saying the same thing. I had filed an dispute and mailed an request for my removal of 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 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: DE

Complaint narrative:
I called the company and asked them to please send me statements and where did I applied from the company. I wanted for 30 days for any form of documents but nothing. I have filed an dispute with three bureaus and still no form of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: CL Holdings LLC
State: FL

Complaint narrative:
I disputed activity years ago and it was settled, but since then my account has been sold to other collections agencies : Acct bought : XXXX ) XXXX by XXXX XXXX XXXX ) XXXX by Diversified XXXX XXXX Currently open date : XXXX ) XXXX by Jefferson Capital System This was not my activity in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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.

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 2024-02-20 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: IL

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.

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 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
U disputed this debt numerous times and I provided a police report because I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Ive been trying to keep the mortgage, but my aunt she traded out policies and stole benefits. So now I have no idea whats going on with it or what she switched or what she took and when I called them to verify which I already did and Im in the process of getting a lawyer I got the deed and it says that own ship is the tenets of residency of survivorship or something like that and theres a custodian account I guess you throw in my daughters name XXXX, XXXX, And, now I went to click on the link where it said that the house was in my name but its connected to a XXXX account that I never signed up for when I called they wont let me access it. I dont know what I dont know what to do right now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have consistently made payments on time for this account, and it is causing me immense stress to see an incorrect late payment entry. I have never missed a payment and am deeply committed to maintaining a spotless payment record. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully request an immediate correction to my account and hope you understand the urgency of this situation. Thank you for your prompt attention to this matter. ''

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 2024-02-20 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. XXXX XXXX XXXX XXXX  datedXXXX XXXX XXXX dated : XX/XX/year> Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} XXXX XXXX. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have providedXXXX XXXX XXXX XXXX XXXX dated:XXXX/22, XXXX XXXX dated : XX/XX/2022 Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: TN

Complaint narrative:
Please remove this false account from my credit history. I never approved of its production or use. I've included the required paperwork to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
My wife XXXX XXXX received an alert that our Frost banking was placed on hold because of unauthorized use while we were out of town. We returned on Thursday XXXX/24 and was explained to us regarding 2 small and 1 larger withdrawal from our checking. I informed them that I made 1 small {$100.00} debit but then within a short time 2 more were made without our knowledge via XXXX application & bypassed the banks fraud without contacting us. We asked the bank how could the theft happen with our 2 factor authentication we established on the account. They informed us they were informing the security fraud dept. the same day and would get back with us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 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: IL

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Parkway Financial Group, LLC
State: AZ

Complaint narrative:
I just bought a new house through inspire home loans after adding my own home owners insurance the payments we're supposed to drop by XXXX dollars a month, they just informed me that they gave my loan to another mortgage company XXXX XXXX they did not even tell my why and they did that and the new mortgage company XXXX XXXX XXXX doesn't have the new payment I was told by inspire home loans that it would go down in XXXX, and now that they switched my mortgage to XXXX  they are still going to charge me the original mortgage payment of XXXX a month it was supposed to go down to around 1400 a month because my homeowners insurance XXXX is only XXXX a month compared to thir insurance XXXX  a month they are pocketing the XXXX # this is fraudulent activity on inspire home loans and the new mortgage company XXXX XXXX XXXX I was never given a reason for them to give my loan to another mortgage company no emails letter in the mail nothing I expect this to be fixed ASAP, sincerely yours XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal 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 non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: IN

Complaint narrative:
This agency deliberately and intentionally offered me a high interest loan knowing I would not be able to pay it back. I believe they are loan sharking.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson Capital Systems has reported to XXXX that I owe money on a XXXX account that I never opened. It says it was opened in XXXX despite the fact that XXXX wasnt a company since XXXX, and I havent had service with sprint since XXXX. 
Ive never received any letters or anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-20 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: FL

Complaint narrative:
There are 3 fraud inquiries on my XXXX report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX want them removed immediately. Police report and Identity theft reports have been made. I have disputed these, they are not correct, and they are affecting my ability to get credit.

Company response to consumer: Closed with explanation