vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX and financed it through Capitol One Auto Finance through their loan # : XXXX. In their letter XX/XX/XXXX, I was instructed to complete and return to Capitol One the Fraud Questionnaire and Affidavit of Fictitious Account. I did not return these completed items to them. This vehicle was repossessed from me while I became XXXX, with my personal belonging in the vehicle from XXXX XXXX on XXXX XXXX  XXXX, XXXX, CA. XXXX. A view of the property security footage with the motel XXXX showed that my vehicle was towed away at night by a tow truck by multiple men. My location and vehicles were discovered by Capital One the evening before because my niece, XXXX XXXX XXXX ( XXXX ) asked me about my well-being and location on XXXX. I filed for XXXX XXXX bankruptcy relief in XXXX, Nevada through my Attorney, XXXX XXXX under case # ; XXXX. I received my XXXX XXXX Bankruptcy discharge on XX/XX/XXXX. Capitol One was listed as a creditor. I held Capital One banking accounts, secured and unsecured credit cards, that were closed because of the fraud XXXX 's suspicions of towards me and my accounts. I was a student at the University XXXX California, XXXX during XXXX and my student accounts were affected. I fell into financial hardship when my place of employment suddenly closed, XXXX XXXX XXXX causing me to file a California Unemployment Insurance Claim. The claim benefits were deposited into my accounts at XXXX  XXXX XXXX and XXXX XXXX, they were often placed on hold or otherwise made unavailable until my accounts were closed or afterwards. I was also experiencing health problems at this time, I was a patient of XXXX XXXX XXXX. I was diagnosed with XXXX XXXX  Disorder on XX/XX/XXXX. The riverside Police Department directed me to contact the FBI because of my Identity Theft and file a IC3 report. I appeared at the FBI XXXX, California XXXX and was told by XXXX Agents that my case did not meet the FBI threshold and filed my complaint with XXXX, spoke with the XXXX XXXX XXXX Attorney 's victim 's services XXXX and filed for their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

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 paty.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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
New York State Division of Child SupportXXXX XXXX, XXXX, XXXX XXXX, and Experian has repeatedly ignored my request to remove the inaccurate account from my personal private consumer report. By not doing all aforementioned parties are in direct violation of the following laws : 42 U.S.C. SECTION 666 ( 7 ) ( i ) Reporting Arrearages to Credit Bureaus- ( i ) only after such parent has been afforded all due process required under State law, including notice and reasonable opportunity to contest the accuracy of such information. And 15 U.S.C. 1681 ( A ) ( j ) ( 1 ) ( 2 ) ( j ) Definitions Relating to Child Support Obligations ( 1 ) Overdue support.

The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. 
( 2 ) State or local child support enforcement agency. 
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. And 28 U.S.C. 3002 Definitions : ( 4 ) Debtor means a person who is liable for a debt or against whom there is a claim for a debt. And Supreme Court of the United States Court - Child support agreements are equivalent to interstate contracts and rejecting the idea that child support payment obligations are somehow " different '' ( citing XXXX XXXX XXXX, XXXX XXXX at XXXX ) United States Court of Appeals , Second Circuit . New York. And United States District Court District of Minnesota ( Division 4 - Minneapolis ) decision of XXXX XXXX Experian, XXXX and 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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
New York XXXX XXXX XXXX XXXX XXXX XXXX Innovis, XXXX XXXX, and XXXX has repeatedly ignored my request to remove the inaccurate account from my personal private consumer report. By not doing all aforementioned parties are in direct violation of the following laws : 42 U.S.C. SECTION 666 ( 7 ) ( i ) Reporting Arrearages to Credit Bureaus- ( i ) only after such parent has been afforded all due process required under State law, including notice and reasonable opportunity to contest the accuracy of such information. And 15 U.S.C. 1681 ( A ) ( j ) ( 1 ) ( 2 ) ( j ) Definitions Relating to XXXX XXXX Obligations ( 1 ) Overdue support.

The term overdue support has the meaning given to such term in section 666 ( e ) of title 42.

( 2 ) State or local XXXX XXXX  enforcement agency.

The term State or local XXXX XXXX  enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing XXXX XXXX obligations. And 28 U.S.C. 3002 Definitions : ( 4 ) Debtor means a person who is liable for a debt or against whom there is a claim for a debt. And Supreme Court of the United States XXXX - Child support agreements are equivalent to interstate contracts and rejecting the idea that child support payment obligations are somehow " different '' ( citing XXXX XXXX XXXX 92 F.3d at 106 ) United States XXXX XXXX XXXX XXXX Second XXXX XXXX New York. And United States XXXX XXXX XXXX XXXX Minnesota ( Division 4 - XXXX ) decision of XXXX XXXX XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 paty.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 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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

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 paty.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 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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, 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:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2023-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: NJ

Complaint narrative:
Hello, I just want to make one thing clear VANCE AND HUFFMAN LLC. DONT YOU EVER accuse me of lying. This is a collection from a XXXX XXXX in XXXX  and I dont live in XXXX  XXXX Ive lived in XXXX XXXX since XXXX  and these allegations are not false and misleading, your company is and you should be sued and closed down! Dont you ever accuse me of lying. If this doesnt stay off, Im going to come at you for defemation. Ive already filed another report. Dont mess with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im not sure what Bank of America trying to do but reordering transactions of XX/XX/2016 are inappropriate. Add counter credit? You mean the refund that you take it back when my account was negative? Oh and please dont add the credit in the beginning of the month, all nsf fees are eliminated, and the amount of transactions should not be changed.

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 2023-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cottonwood Financial Ltd.
State: NJ

Complaint narrative:
Hello, I just want to make one thing clear XXXX XXXX XXXX XXXX. DONT YOU EVER accuse me of lying. This is a collection from a cash store in XXXX  and I dont live in XXXX  XXXX Ive lived in XXXX XXXX since XXXX  and these allegations are not false and misleading, your company is and you should be sued and closed down! Dont you ever accuse me of lying. If this doesnt stay off, Im going to come at you for defemation. Ive already filed another report. Dont mess with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I'm sorry to trouble you, but there seems to be a mix-up. My account, which I completely paid off in 2019, is currently marked as a collection account. 

This appears to be a misunderstanding or error, as I clearly recall paying the balance and closing this account over four years ago. 

Apologies for any inconvenience, and I hope we can resolve this issue soon.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-07-28 00:00:00
Product: Credit card or prepaid 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: U.S. BANCORP
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I requested a balance transfer of {$5600.00} to pay my XXXX 's XXXX credit card. XXXX, XXXX, I noticed on my XXXX XXXX statement that my {$5600.00} had not been credited. I contacted XXXX to inquire about my payment. They asked me to send proof of payment. On XX/XX/XXXX, I sent proof of payment. XXXX credited my account temporarily pending their own research. When they researched, they found no payment received. I continued to argue with them for several months. They would credit my account pending research and then re-debit when no payment was found. On XX/XX/XXXX, I opened a complaint with you, the Consumer Financial Protection Bureau. After much research, you closed the complaint. So if you are satisfied that XXXX never received the payment, SouthState Bank must never have sent it. So I am hereby opening a complaint against SouthState. XXXX XXXX requested from Southstate the Routing number and account number to where SouthState sent the funds. SouthState only sent a reference trace number.

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 2023-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am trying to pay my rent with Venmo. My Venmo account is verified. I have 2 bank accounts linked. I am however no longer able to send funds from my primary account. It simply gives me an error that says " Payment Declined. Please try again. ". 

Venmo says this is due to their algorithm believing it is a fraudulent charge. They offer no support and no way for me to verify the transaction. I am a legal and legit users. 

Venmo is such a big part of our society these days, and this is effectively preventing me from being able to make many digital purposes. 

It is unacceptable that Venmo wants to be considered a legitimate financial institution, but can't resolve simple issues like that. 

Please help me! 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
New York State Division of Child Support, Transunion, XXXX, XXXX XXXX, and XXXX has repeatedly ignored my request to remove the inaccurate account from my personal private consumer report. By not doing all aforementioned parties are in direct violation of the following laws : 42 U.S.C. SECTION 666 ( 7 ) ( i ) Reporting Arrearages to Credit Bureaus- ( i ) only after such parent has been afforded all due process required under State law, including notice and reasonable opportunity to contest the accuracy of such information. And 15 U.S.C. 1681 ( A ) ( j ) ( 1 ) ( 2 ) ( j ) Definitions Relating to Child Support Obligations ( 1 ) Overdue support.

The term

overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) St
ate or local child support enforcement agency.

The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. And 28 U.S.C. 3002 Definitions : ( 4 ) Debtor means a person who is liable for a debt or against whom there is a claim for a debt. And Supreme Court of the United States Court - Child support agreements are equivalent to interstate contracts and rejecting the idea that child support payment obligations are somehow " different '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Court of Appeals XXXX XXXX XXXX XXXX XXXX XXXX And United States District Court District of Minnesota XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 paty.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 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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

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 paty.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 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 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHECKredi of Kentucky, LLC
State: GA

Complaint narrative:
Well before they even contacted me the company used my bank routing information and account number which they got from the primary company to charge my bank account for the debt. They never informed me of this, and the charge bounced. Thankfully my credit institution doesn't charge overdraft fees. When they did contact me they contacted me daily via phone and email about the debt. I finally just paid it to get them off my chest.

Company response to consumer: Closed with explanation