vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to express my deep concern and frustration regarding the inadequate and nonchalant response I have received from CAPITAL ONE AUTO FINANCE in relation to my ongoing credit dispute. Despite my repeated attempts to resolve these inaccuracies in my credit report, your company has consistently failed to address this issue appropriately. 

I am disturbed with the damaging effect it has on my credit profile and my credit standing. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
No doubt the inclusion of this inaccurate information is either a mistake on your part or on the part of the credit Bureaus. Due to the inaccuracies/mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted me. 
On XXXX of XX/XX/year>, I submitted a formal dispute concerning the inaccurate information being reported to the credit bureaus regarding the above-referenced account. On the XXXX of XXXX, you mailed out your response to me saying Capital one Auto Finance is Reporting Accurately. 
I disagreed with your outcome and went ahead to file my XXXX Dispute through the CFPB portal. On the XXXX of XXXX you responded saying you are going to conduct a research on my concerns and get back to me. 
You conducted your research and got back to me with the same outcome as the previous dispute. 
Based on all your research and findings I have not received a satisfactory response from you. I have observed a persistent lack of effort to correct the erroneous information, which has resulted in continued harm to my credit standing. 

I am writing to express my ongoing concern regarding the dispute I have initiated with Capital One Auto Finance. While this dispute is still in process, I have observed additional changes and errors on my credit report related to this account, which is causing me considerable stress and frustration. These errors are negatively affecting my XXXX XXXX and overall financial standing, and they appear to be directly linked to the ongoing issue with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OR

Complaint narrative:
Been trying to access my information since XX/XX/XXXX. Several attempts to get consumer disclosure report from this DATA HARVESTING company, always get letter, no report. 
Call made today XX/XX/XXXX to inquire about this report. 
They are providing unverified data which has seriously affected me as a consumer. Raised my insurance rates and resulted in canceled insurance policies. 
Several inaccuracies being reported by this data harvesting company that do not belong to me, names, addresses, phone numbers, claims that do not belong to me and claims that have other people 's names associated to them. 
Submitted disputes with phone personnel today. No case number was supplied to me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Swe Homes LP
State: TX

Complaint narrative:
Attached are the correspondence and documents in dispute with this Lender/Broker. 
All fees paid for the initiation of the loan were applied to " fees and downpayment '', but nothing officially was applied to the loan. 
The Loan Principal Payment started XX/XX/XXXX with the Principal Balance the same as the asking price. 
XXXX, On XX/XX/XXXX I was charged an additional {$1500.00} for a signature of authorization to XXXX the lot as required to BUILD as primary residence for XXXX of XXXX Tx zoning. Due to undisclosed easements the Surveyed and Replated lot was reduced to XXXX sq ft and not the advertised and sold XXXX sq ft as XXXX side by side lots. 
XXXX. XXXX $ was agreed down payment for the {$1500.00} charge for a remaining balance of {$750.00} that has been described as " servicing fee ''. Please provide the TOTAL sums paid for this fee XXXX. All Unapplied payments have been requested in writing to be applied to Principal Only, however the Lender/Broker holds these funds until they feel like applying it to principal or have assessed more fees to take the overpayment. 
XXXX. On, XX/XX/XXXX the Lender/Broker Stated they returned a fully paid installment citing it was not full payment, but then used over XXXX in unapplied " to make the month due payment '' Also stated that I did not make monthly payments at times which i disputed. Found missing payment, explained as returned. XXXX XXXX to the XXXX, had this payment never been returned current status would be XXXX paid in advance. 
XXXX. The explanation of this does not even make sense as I was told that the payment covered XX/XX/XXXX new payment, but according to the documentation given it shows that payment was applied to XX/XX/XXXX, which was in fact also paid as an installment, with additional weekly payments. And if the payments made weekly ( unapplied ) then in fact was not XXXX paid ACCURATELY? But then returned without cause its unapplied payment ( XXXX ) clearly would have made up any difference. 
XXXX. As you can clearly see in the payment history, The XXXX was assessing fees after installment payments, and when you're holding excess payments in an unapplied account and then charging random fees to take the money. 
XXXX. To clarify, when XXXX went silent after my request of payment arrangement XX/XX/XXXX ( same date of last returned payment ) and given the history of the accounting ( as documented ) I paid XX/XX/XXXX, the total amount due, meaning the Notice dated XX/XX/XXXX, was not necessary or justified, but confirmed every suspicion of mine that this Lender/Broker is purposely manipulating default and late status. 
XXXX. I request an updated payment history showing all payments and itemized fees and payments to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit companies are not complying with their own policies in a timely manner and not accurately.

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 2024-08-21 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DigniFi
State: NV

Complaint narrative:
I paid my full account XX/XX/year> they sent me a letter of XXXX balance XXXX XXXX. Now they wont send me nothing. They never answer the phone as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To update my name to my current legal name and remove old last names/Incorrect spelling of names/old account/debt/information greater than 8 year 's old.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-08-21 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: WI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CATHAY BANK
State: CA

Complaint narrative:
SOME OF MY PERSONAL DATA WAS HACKED AND SUPPOSEDLY AVAILABLE ON THE DARK WEB. I HAVE XXXX PERSONAL CHECKING ACCTS AT CATHAY BANK. 
I ONLY USE CHECKS FOR DISBURSEMENTS AND SIGNED UP FOR ONLINE BANKING AS IT WAS SUPPOSED TO BE SAFE, SECURE, AND CONVENIENT. 
I DO NOT MAKE WIRE TRANSFERS OR INTERNET TRANSFERS. 

FROM XX/XX/XXXX THRU XX/XX/XXXX, THERE WERE XXXX UNAUTHORIZED TRANSFERS FROM MY ACCTS TOTALING {$16000.00}. I WAS NOT INFORMED ABOUT THESE TRANSFERS AND ONLY BECAME AWARE OF THEM WHEN I DOWNLOADED MY BANK STATEMENTS AT THE END OF THE MONTH. I REPORTED THE FRAUD TO THE BANK AND THEY SAID THE PASSWORDS AND IP ADDRESSES USED WERE VERIFIED AS ONLY BELONGING TO ME. THESE TRANSFERS WENT THRU XXXX BANK OUT OF STATE WHO I HAVE NEVER HAD ANY BUSINESS RELATIONSHIP. THE BANK SAID VERIFICATIONS WERE MADE THROUGH MY CELL PHONE NUMBER. I DISCOVERED THAT MY CELL PHONE WAS ALSO HACKED AND CALLS WERE BEING DIRECTED TO ANOTHER PHONE NUMBER. 

SUBSEQUENTLY, I REPLACED ALL MY BANK ACCTS, CHANGED ALL MY PASSWORDS, AND CLEANED MY PHONE AND COMPUTERS. CATHAY BANK DOES NOT PROVIDE A CONTACT FOR FRAUD COMPLAINTS. MY COMPLAINTS TO THE BRANCH STAFF GENERATED NO PROGRESS. AS A FORMER BANK XXXX XXXX MEMBER AND LONG TIME CUSTOMER, I CONTACTED THE CEO OF THE BANK. THAT RESULTED IN ANOTHER REFERRAL TO THE FRAUD DEPT AND THE SAME DENIAL OF MY CLAIM FOR REIMBURSEMENT DURING THIS TIME, I ALSO EXPERIENCED SOME FORGED CHECKS ON THESE ACCTS AND SIMILAR UNAUTHORIZED TRANSFERS AT MY XXXX ACCTS. 
CATHAY BANK DID REIMBURSE ME FOR THE FORGED CHECKS AND XXXX REIMBURSED ME IN FULL FOR XXXX UNAUTHORIZED TRANSFERS WITHIN 30 DAYS. 

AFTERWARDS, I LEARNED ABOUT AND SIGNED UP FOR THE BANK 'S POSITIVE PAY PROGRAMS WHICH PROVIDE MUCH IMPROVED MONITORING AND PROTECTION FROM FUTURE FRAUDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: VA

Complaint narrative:
I lost my job couldnt pay back because I hurt my back at work and is currently waiting on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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:
My account with those screditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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