vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-08-24 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: FL

Complaint narrative:
I am a victim of identity theft, which has led to multiple fraudulent items being added to my credit report without my authorization. There are 13 unauthorized accounts and 12 inquiries that were placed on my report without my knowledge or consent. 

FRAUDULENT INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already taken the necessary steps by reporting this identity theft to the Federal Trade Commission ( FTC ). I am now requesting the immediate removal of these fraudulent accounts and inquiries to restore the accuracy of 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 explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I opened a new XXXX and account and performed a balance transfer from Ally to the new XXXX XXXX  account in XXXX of 2024. A check was sent to ally but the funds were never applied to my account. I made several attempts to resolve. I sent Ally a copy of the cashed check as well as the address XXXX provided me to where the funds were sent. XXXX mo this I have been working to resolve.

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
Consumer complaint received 2024-08-24 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
This company has contacted me on a few occasions. I have no knowledge of this debt at all nor have I been sent any mail about this debt to give me a chance to dispute the charges within 30 days by law. Because contact has lapsed the 30 days, I am requesting that this creditor close my account due to improper validation and communication of this debt. If any further communication persists, I will be filing a harassment suit with the federal court for punitive damages. This complaint also serves as your cease and desist warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 informationisinaccurate.

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 2024-08-24 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:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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 explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX this year XXXX a collection reporting appeared on my Experian credit report from XXXX XXXX XXXX for past due debt in the amount of {$790.00}. On XX/XX/XXXX I wrote to this company asking to submit proof of this debt and havent received any information. I wrote and mailed a second letter on XX/XX/XXXX and the same no respond from that company. XX/XX/XXXX I contacted Experian and advised that this debt shouldnt be on my credit report and how the company filed validated the debt. On XX/XX/XXXX I received notification that the dispute was completed and they verify that the company certify that the information was accurate however but company have yet to submit any proof of validation of this debt to myself. 

Is extremely unethical and this deceiving the credit Bureau to take advance of consumer like myself and the credit bureau is not helping. Please see proof of both letter send and email from Experian

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have noticed unfair and inaccurate reporting on my consumer credit report, along with multiple inquiries that need to be removed as for I have never received any goods, products, services nor credit from any of those companies. This falls under violation of Federal Law and shall be removed immediately for my safety and as a federally protected consumer. And any address that is not my current mailing address, is consider non-mailable and needs to be remove. It is causing me injury and damage! 
XXXX XXXX Report dated XX/XX/year> states XXXX XXXX XXXX  as the account name which is inaccurate and incorrect as well as the account number listed. 
Equifax Consumer Report dated XX/XX/year> states : XXXX XXXX  XXXX as the account name which is inaccurate and incorrect as well as the account number listed. 
XXXX Consume Report dated XX/XX/year> states : XXXX XXXX XXXX as the account name which is inaccurate and incorrect as well as the account number listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have noticed unfair and inaccurate reporting on my consumer credit report, along with multiple inquiries that need to be removed as for I have never received any goods, products, services nor credit from any of those companies. This falls under violation of Federal Law and shall be removed immediately for my safety and as a federally protected consumer. And any address that is not my current mailing address, is consider non-mailable and needs to be remove. It is causing me injury and damage! 
XXXX XXXX Report dated XX/XX/2024 states XXXX XXXX XXXX as the account name which is inaccurate and incorrect as well as the account number listed. 
XXXX XXXX Report dated XX/XX/2024 states : XXXX XXXX  XXXX as the account name which is inaccurate and incorrect as well as the account number listed. 
Experian Consume Report dated XX/XX/2024 states : XXXX XXXX XXXX  as the account name which is inaccurate and incorrect as well as the account number listed.

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 2024-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Good afternoon, I have contacted Capital One concerning two accounts. I was told they were applied for through XXXX XXXX. Please remove off my credit reports XXXX XXXX, XXXX, and XXXX. I have not gained anything from those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear DataX, Ltd., I am writing to request a copy of my consumer report as permitted under the Fair Credit Reporting Act ( FCRA ) and to demand that you immediately freeze and cease sharing any information regarding me with third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Went to XXXX XXXX in XXXX, NY on XX/XX/year> and returned a toaster oven, received a {$76.00} credit to the card it was purchased on ( debit card ) .. Capital One sent me an email that it was denying the purchase ( it wasn't a purchase it was a credit ) because I hadn't used the new Debit Card I received the day before. My existing card had not expired and I had not activated the new card yet. 

Called Capital One and after more than an hour on the phone they agreed to issue a provisional credit of {$76.00}. Today I got an email saying they were rescinding the credit because they had not been able to reach XXXX XXXX. 

I want them to restore the original credit issued by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint against Concora Credit aka Milestone Credit Card, XXXX XXXX XXXX, regarding their mishandling of my credit card account, which has negatively impacted my efforts to rebuild my credit. 

As someone who is actively working to rebuild my credit, I applied for and received a credit card from Concora Credit. I made XXXX payments within a couple of weeks, but these payments were repeatedly reversed due to incorrect routing information provided by my bank. Despite this issue being resolved before my payment due date, Concora Credit closed my account without prior notice or consideration of the circumstances. 

The closure of my account is likely to cause significant damage to the credit score I have been working diligently to improve. Additionally, the {$120.00} fee associated with this account is unreasonable, particularly in light of the issues I experienced. 

I believe that Concora Credits actions are unfair and have had a severe negative impact on my efforts to rebuild my credit. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that such practices are addressed. 

Additionally, I believe Concora Credit is unfairly charging consumers a {$120.00} fee, which appears to be a deceptive practice. Despite my attempts to rectify payment issues caused by incorrect routing information, I was still charged this fee. I believe this is an unjustified charge and may indicate a broader pattern of unfair treatment toward consumers. 

Thank you for your attention to this serious issue. I am available to provide any further information or documentation as needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-24 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I've attached a copy of consumer credit report I don't recognize Accounts, Collections as a result of identity theft and fraud. Per case # XXXX and ref # XXXX Identity theft XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$50000.00} XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$10000.00} Credit Limit : {$10000.00} XXXX XXXX XXXX XXXX {$5200.00} open XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00XXXX XXXX Account # : XXXX Account Type : Open Account Open Account Type - Detail : Credit Bureau Code : Individual Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$4800.00} XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$50000.00} XXXX  XXXX XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX  Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$35000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I've attached a copy of consumer credit report I don't recognize Accounts, Collections as a result of identity theft and fraud. Per case # XXXX and ref # XXXX Identity theft XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$50000.00XXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$10000.00} Credit Limit : {$10000.00} XXXX XXXX XXXX  XXXX {$5200.00} open XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX Account # : XXXX Account Type : Open Account Open Account Type - Detail : Credit Bureau Code : Individual Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$4800.00} XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$50000.00} XXXX XXXX XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX  Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$35000.00}

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX and Ability Recovery Services , LLC regarding a debt they claim I owe under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I dispute the validity of this debt and would like to explain why I am not liable for it. 

I do not have a contract or any other agreement with either XXXX XXXX XXXX or Ability Recovery Services , LLC that would make me responsible for this debt. Despite my repeated requests, Ability Recovery Services , LLC has failed to provide me with the original contract or any documentation that proves I am liable for this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I requested that Ability Recovery Services , LLC provide the original contract or any documentation verifying this debt. They have not complied with this request. This failure to provide the necessary documentation further indicates that this debt is not valid. 

Given these points, I am requesting that the XXXX take immediate action to investigate this matter and assist in the removal of this account from my records. The actions of XXXX XXXX XXXX and Ability Recovery Services , LLC are causing undue stress and could potentially harm my credit report. 

I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
I requested a loan modification for my mortgage, which was offered on XX/XX/year>. The terms included a 2.5 % interest rate, a XXXX term, and a new monthly payment of {$1400.00}. I accepted these terms upon receiving the offer, but delays in mail meant I only became aware of it on XX/XX/year>. I denied a previous, unfavorable offer from XX/XX/year>, during a call on XX/XX/year>. Since then, Village Capital has inconsistently processed my application, requesting additional documentation despite previously acknowledging that my application was complete as of XX/XX/year>. I have repeatedly tried to clarify the situation with Village Capital, but have received conflicting information and poor customer service. I am concerned that there may be retaliatory actions affecting the processing of my modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-08-24 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:
XXXX XXXX XXXX {$4100.00} XXXX {$5500.00} OPEN DATE XXXX XXXX Unauthorized Accounts, 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