vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A charge off means that a lender or creditor had written the account off as a loss and the account is considered to be used as income when filling taxes for the consumer which mean it should not be used to be reported on credit report. According to 15 U.S.C. 1681 ( 1 ) the banking system is dependent upon fair and accurate credit reporting. In accurate 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. The charge off of this account reporting a late payment is a clear violation of the FCRA law. Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions. The information on two different credit reporting agencies is reporting two different information and dates do not match

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A charge off means that a lender or creditor had written the account off as a loss and the account is considered to be used as income when filling taxes for the consumer which mean it should not be used to be reported on credit report. According to 15 U.S.C. 1681 ( 1 ) the banking system is dependent upon fair and accurate credit reporting. In accurate 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. The charge off of this account reporting a late payment is a clear violation of the FCRA law. Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions. The information on two different credit reporting agencies is reporting two different information and dates do not match

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 2023-10-25 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX. This account has violated my rights according to FCRA rules and regulations. A Chargeoff means that the debt has been charged off and the company XXXX XXXX XXXX XXXX ) has used this debt as a tax write off. Which makes this taxable income. And income is not reported to a consumer report ; According to : 15 U.S Code 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM consumer report does not include- ( A ) subject to section 1681s- 3 of this Title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Secondly, when a debt is charged off. The Company that charged the debt off must send a 1099c to the consumer. XXXX XXXX XXXX, did not. This is clearly a violation of my rights.

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 2023-10-25 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
This company is still reporting this identity theft account under my name and on my credit report. I didnt open this account my identity and information was taken over and have caused me emotional distress and problems of this company dont remove this from my credit report and from under my name I will look into legal ramifications. I been a victim of identity theft. I have attached an FTC identity theft affidavit that I had to file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
This charge off has been reporting a late payment which is again against FCRA regulation. This is a violation and should not have been reporting for this long the late payment. And according to 15 usc 1681a ( 2 ) ( 1 ) late payments are illegal according to this law and under exclusions. Charge off is considered to be written off as a loss and considered when filing taxes as to be taxable income and should not be used and against the law to use in credit reporting and I have tried to fix this with the XXXX and with CFPB as well and they still have not corrected my report. And past reporting to 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 explanation
Consumer complaint received 2023-10-26 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper mortgage company fraud me by tricking me to sign a loan modification agreement and to agree for them to put a {$110000.00} lien on my house on XX/XX/XXXX. I had bought my home BRAND NEW in XX/XX/XXXX. During Covid lockdown and everything, I did not lose my income or job. 

Mr. Cooper VIOLATED Federal Law to provide me a sign language interpreter when I asked them repeatedly. They hired a notary person but they refused to hire a sign language interpreter and I am XXXX. They violated ADA rights and law. If I had communication access with interpreter, I would have NEVER signed the papers and they would have not be able to fraud me. They coerced me to signing the paper by saying, " It is just to re-start your mortgage as they bought my mortgage loan and will only take 10 minutes ''. They also threatened me that if I don't sign, I will lose my home. 

I have an attorney to try to settle this outside of courts and they are refusing to speak to me and they are refusing to talk to my attorney. They do not want to acknowledge that they broke the federal law and to try to resolve the issues with me. 

Mr. Cooper address is XXXX XXXX XXXX, XXXX, TX XXXX. 

point of contact person who refused to talk is XXXX XXXX, Customer Relations Specialist. phone number XXXX. I tried to get ahold of supervisors but there excuses were that they are not available. 

Again, Mr. Cooper VIOLATED My ADA rights to have a sign language interpreter when they hired a notary person to come to my home on XX/XX/XXXX to sign " some papers '' which again was a modification agreement papers and partial lien of deed which they have a lien on my house for {$110000.00}. I Never AGREED TO THAT! and I was not given communication accessibility at all. 

So Mr. Cooper is a FRAUD mortgage company and frauded me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: NY

Complaint narrative:
I NEED THESE ACCOUNTS TO BE REVIEWED AND DELETED I CAN NOT HAVE THEM ON MY REPORT BECAUSE SOME OF THESE ACCOUNTS HAVE LATE PAYMENTS WHEN I HAVE NEVER PAID LATE XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXXInquiry XXXX-Inquiry XXXX XXXX - Incorrect XXXX XXXX - Incorrect

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 2023-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX regarding an account ( Account # XXXX ) that has been inaccurately reported on my credit report, and it has been duplicated without proper verification. This issue is seriously affecting my credit score, and it has jeopardized my chances of securing a loan. I kindly request the immediate removal of this account from my credit report. 

XXXX XXXX has failed to provide adequate verification of the legitimacy and accuracy of this account. Additionally, the presence of duplicate entries further demonstrates a lack of proper due diligence in their reporting practices. 


The inaccurate and duplicated account entries have caused a significant and unwarranted negative impact on my credit score. This has not only damaged my creditworthiness but also hindered my ability to access necessary financial services, particularly my chances of securing a loan.

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 2023-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
on XX/XX/2023, my vehicle was repossessed. I was not home, we were out of town however my adult child was home and was given any information as to where the vehicle would be towed. I received a text on XX/XX/XXXX stating it was repossessed and I needed to call Capital One and I did and kept on hold for over XXXX minutes. I sent an email requesting information and vehicle post-repossession notice and I have yet to receive anything from Capital One. I did receive in the mail dated XX/XX/2023, that I was late on a payment and that I should pay immediately to avoid repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: NM

Complaint narrative:
I was making 3 times the minimum payment amount and called 3 times last year in XX/XX/ and found out they had increased my interest rate with no notifications 4 times in 1 year causing the minimum payment to also be the amount for only interest each month

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 2023-10-26 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: Synovus Bank
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had a mortgage with Wells Fargo since XXXX on an condo in XXXX, WA. I had set-up an auto-payment that pays the mortgage from my checking account every months. This year I was out of the US from XX/XX/XXXX to XX/XX/XXXX on a family medical emergency. During this time in XX/XX/XXXX, Wells Fargo sold my loan to XXXX and sent an mail to a postal address where I lived XXXX ago. Wells Fargo did not send me any emails with this notification. As a result of this I did not know that my loan was no longer with Wells Fargo and it had transferred to XXXX. As a result of this, I am 60-days late on my mortgage payment because I was under the assumption that my loan was getting paid by the auto-pay to Wells Fargo. I got to know about it during a Credit History Check and I immediately paid the full amount that was due. The delinquency status on my credit history is hurting me to get any loans and I am planning to invest in Real Estate. Wells Fargo is at fault here, they did not do their due diligence in ensuring their customers are aware of their loan transfers. Before this incident my credit score was XXXX and today it is XXXX, this has hurt my years of financial health. I am a productive professional in the XXXX XXXX with a good income. I have paid all of my dues in a timely fashion. I should not be the one suffering because Wells Fargo did not inform 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 2023-10-25 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: CITIBANK, N.A.
State: TX

Complaint narrative:
There is a collection agency by the name of XXXX XXXX XXXX who is reporting a debt to my credit reporting stating you as the original creditor. I don't remember ever having an account with CITIBANK N.A with the balance reporting. My information was compromised in a data breach so please submit documentation of the agreement between your company and myself. Please send the correspondence sent to me notifying me that I had an account that was being sold to XXXX XXXX XXXX. Also, include the price that the debt collector purchased the debt. If you are unable to provide the requested information, please have the collection agency remove this account immediately. Failure to comply and/or provide validation is a violation of the FDCPA and FCRA.

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 2023-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX  ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: MO

Complaint narrative:
They keep sending bogus excuses saying they can't insert something well nobody is asking them to

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 2023-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
XXXXXXXX XXXX I applied for {$8000.00} personal loan online DISCOVER. I was discriminate and my application was rejected. I call and spoke with XXXX and she stated there's no reconsideration department and if it's rejected try later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
There has been 2 fraudulent transactions on my credit card in the amount of {$2400.00} and {$24000.00} 1st Fraud Dispute was filed on XX/XX/2023, Truist Fraud Department cancelled the card on XX/XX/23 and sent me a replacement, but no fraud claim was filed untill I called back on XX/XX/2023. A fraud case # XXXX. 

2nd Fraud Dispute was filed on XX/XX/2023 and was reported to Truist on XX/XX/2023. A fraud case # XXXX was issued. This fraud claim was for {$24000.00}. 

Truist Fraud Deparment was called multiple times since XX/XX/2023. As of today 's phone call with XXXX XXXX and XXXX XXXX from Fraud Dept. the issue remains unresolved. 

Unfortunately Truist keeps giving same excuse all the time, we are still investigating. Truist also started reporting this balance to credit agencies ( XXXX, XXXX and XXXX ). 

I have sent several emails to disputes at XXXX, a part of my several phone calls to XXXX. There is no resolution being provided by Truist. 

I also sent an USPS Certified Letter on XX/XX/2023, with Tracking # XXXX ( I am also attaching the letter to this complaint ), still there is no response from Truist. Last correspondence in writing was on XX/XX/2023 in an email. I also called Truist today ( XX/XX/23 ) to find out the status, I was informed by XXXX XXXX and XXXX XXXX, Supervisor, Fraud Dept, the cases are being investigated and there is no timeframe for the investigation to be completed and that my account will not be credited untill the investigation is complete. 

I NEED HELP, THE AMOUNTS IN FRAUD DISPUTE total to {$26000.00} which is a lot of money to me and my family. Truist has not resolved the fraud complaints and is holding me responsible since XX/XX/2023.

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 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA JUST CALLED AND I AM LIVID BY THE XXXX BLATENT DISSRESPECT!! 

The assumed alot and are justifying abusing XXXX people. They can try to spin their story and THEY HAVE AND WILL. 

The CEO didnt even respect me enough to contact me directly, he sent a represantative. 

I am devastated and I am absolutely positive that if I am being abused so are millions of others losing their accounts and possibly funds by ill-gotten behavior from USAA. 

I tried to keep my XXXX private but OBVIOUSLY i am forced to explain that I was kicked in the head multiple times, no I will not read your XXXX XXXX regulation changes, my head is on fire XXXX and you think its ok to threaten to upset my entire life! XXXX that!!! 

There are laws in place for a reason .... I cant be doing this!! My XXXXXXXX XXXX XXXX and USAA is breaking tons of laws and abusing their authority and covering it up with " justified-bad behavior ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Citicard canceled my credit card on XX/XX/XXXX after a few weeks of issuance. They replied in email and letter that the reason was my association with a XXXX business. However my association was terminated XX/XX/2022 and I never used the card for any XXXX purchase or business. 
I understand they can cancel cards anytime for whatever reason, so I requested to at least be reimbursed the {$590.00} I paid in advance. They declined and said its non-refundable.

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 monetary relief