vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this item from my credit report as it does not belong to me and is entirely false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: CA

Complaint narrative:
The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is XXXX being reported. 

Please see these accounts are removed from my file at once. 

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. 
If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not 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 2024-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management opened XX/XX/XXXX {$720.00} Midland Credit Management opened XX/XX/XXXX {$960.00} Midland Credit Management opened XX/XX/XXXX {$1100.00} Midland Credit Management opened XX/XX/XXXX {$1300.00} Midland Credit Management opened XX/XX/XXXX {$1400.00} Midland Credit Management opened XX/XX/XXXX {$4500.00} I have not supplied proof under the doctrine of Estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to XXXX8 USC 8, L owe no debt, This company is violating my consumers right to privacy pursuant to 15 USC 1681-B2 Company has no permission to report my information per 15 USC 16814 . False payments received has also been falsely reported by company a {$1.00} decrease every week, which a violation of 15 USC I666b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Kindly update my account this causing me a lot of 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 non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
DATE : XX/XX/XXXX TOTAL LOSS SETTLEMENT LOAN COMPANY XXXX ALLY AUTO XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX ON XX/XX/XXXX THE REFERENCED VEHICLE FINANCE WITH " ALLY AUTO '' WAS INVOLVED IN AN INCIDENT WHICH RESULTED IN A TOTAL LOSS. THEREFORE, THE VEHICLE 'S INSURANCE COMPANY " XXXX XXXX '' ASSUMED RESPONSIBILITY FOR THE REMAINDER OF THE PAYMENTS/BALANCE ON THE ALLY AUTO ACCOUNT - AS I HELD FULL COVERAGE INSURANCE WITH XXXX ON XXXX VEHICLE. 
AS A RESULT, I AM NOT RESPONSIBLE FOR ANY FURTHER PAYMENT TO ALLY AUTO AS OF XX/XX/XXXX. AS OF XX/XX/XXXX, I OWED {$0.00} TO ALLY AUTO. 

I HAVE A COPY OF MY PAYMENT MADE TO ALLY AUTO FOR THE XX/XX/XXXX PAYMENT AS WELL HAS LEGAL DOCUMENTATION FROM XXXX WHERE IN WHICH XXXX ACKNOWLEDGES THE TOTAL LOSS SETTLEMENT AND THE RELEASE OF PAYMENT FROM XXXX INSURANCE TO ALLY AUTO. ALLY AUTO HAS RECEIVED PAYMENT FROM XXXX FOR THE VEHICLE- I HAVE CONFIRMATION FROM XXXX OF THE PAYMENT RELEASE, NO FURTHER PAYMENTS ARE DUE. 

ALLY AUTO HAS CONTINUED TO REPORT MY ACCOUNT AS OPEN ON MY CREDIT REPORT AND UNLAWFULLY IMPLEMENTED ADDITIONAL FEES TOTALING TO {$1700.00} BETWEEN DATES OF XX/XX/XXXX TO CURRENT XX/XX/XXXX. THIS IS UNLAWFUL AND ILLEGAL. 

I AM REQUESTING LAWFUL JUSTICE, I AM NOT LEGALLY RESPONSIBLE FOR ANY ADDITIONAL PAYMENTS TO ALLY AUTO AS OF XX/XX/XXXX. THE COMPANY NEEDS TO UPDATE MY STATUS TO ALL THE CREDIT BUREAUS AS PAID AND CLOSED AS OF XX/XX/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 monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Whom this may concern, I dont know what kind of company you are, but I put in complaints against Experian because I can not get to a live person. I have a right to talk to someone live not a machine. The machine will not let me get to live person. I am a consumers with a big, thats why I come to you. I put a complaint in on XX/XX/XXXX. The complaint number was XXXX. I never asked Experian to send me a credit report they credit report today meanwhile, my complaint have not been cleared, and I still can not talk to a live person. Thats why I come to you is the only credit bureau that you can not talk to a live person. The only person you could talk to is XXXX XXXX  and XXXX XXXX dont understand what XXXX saying I need answers and I know I have those answers now Im coming to you with my complaint again, and I like to know what are you gon na do just forward the complaint and leave it there and my problem have not got resolved I have I supposed to have companies being hacked into and company sending me letters and this wont put a life person on the phone for me to talk about the letter that I received and XXXX of them was XXXX XXXX XXXX  and I have to talk to them about the letter I received from XXXX XXXX XXXX about my credit I didnt ask him to send me a credit report that was not my complaint so I like to know what youre gon na do. Whats the next step who do I go to besides you file a complaint against 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 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX  XX/XX/XXXX, I sold an old car I have to someone from XXXX XXXX. 
The car is a XXXX XXXX XXXX. The buyer provided me a check with half of the selling price because the person was going to come the following day to pick up the car with a companion to take the car. 

The buyer gave me a check with half of the total amount. That check in the amount of {$1200.00} was deposited into my checking bank account Capital One 360 on XXXX  XX/XX/XXXX. 
Because I submitted it after XXXX p.m. XXXX, the check was processed the next business day. 
The check was posted and available into my account on Friday, XX/XX/XXXX. 

On Friday, the buyer of the car told me that they were not going to be able to transfer the title into her name now. The buyer asked me to transfer the money back to her via XXXX, as she was not going to get the car anymore. The money was sent back to the individual name as the check. 

On Monday, XX/XX/XXXX, the bank said that the check was reversed and my bank account has been restricted until further investigation. I called the bank right away and explained the entire situation. They tried to contact the buyer and they found out that the buyers bank put a stop to the check. 

Capital One informed me that they have decided to close my Checking and Savings account. 
Instead of investigating and making sure that I am covered and protected as I am a long-time customer, since XXXX, they decided to close my account due to an error on their operations. If the buyers financial institution still had the power to revert the funds, they should not have cleared the funds on my end. The representative that treated the case was not even trying to find out what happened, her attitude was more like she was tired of dealing with this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
Please delete these inquiries. I have no information about them, and the company conducted them without my permission.

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 2024-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
WAKEFIELD AND ASSOCIATES obtained my XXXX consumer report on XX/XX/23. I have sent numerous letters asking why they obtained my report.They have refused and failed to respond to any of my communications. I wish to know the reason WAKEFIELD AND ASSOCIATES obtained my XXXX consumer report on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress 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 non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
I send in a debt validation letter & company was not able to provide me with a signed contract validating that the debt was mine. I do not owe any third party company any debt may have been sold to. I was sent copies of old bills not a signed contract that I agreed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently received a copy of my XXXX Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00}

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I'm deeply troubled by the addition of this late payment to my account, as I've always maintained a record of punctual payments. This situation is causing me significant distress, and I urge you to rectify this error by promptly removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: NE

Complaint narrative:
Kindly update my account this causing me a lot of stress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

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 2024-04-30 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

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 2024-04-30 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: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

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 2024-04-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/24 and XX/XX/24, someone fraudulently charged transactions using my Direct Express debit card. I discovered this when I went to withdraw some money from my debit card and the money was gone. The total of the transactions was {$710.00}. I contacted Direct Express about this first on XX/XX/24 and then again on XX/XX/24. They said they would mail me a XXXXuestionaire of Fraud which I received on XX/XX/24. I filled it out and returned it by mail on XX/XX/24 to Direct Express. On a letter from Direct Express, dated XX/XX/24, They informed me that they would be investigating my claim with them. In the meantime, they credited my account for the {$710.00} and stated that if they found that my claim was found to be authorized by me that they would take back the {$710.00}. This month they did exactly that. 
The following transactions are the ones in question : XX/XX/24. {$13.00} XX/XX/24. XXXX XX/XX/24. XXXX XX/XX/24. XXXX XX/XX/24. XXXX XX/XX/24. XXXX XX/XX/24. XXXX XX/XX/24. XXXX The above charges were all made in the XXXX XXXX area of California. I live approx. XXXX miles from there. They were all made at eating establishments, mostly fast food. I have never charged anything on my debit card from that area. My transactions can all be checked for the last XXXX years and I havent charged anything on my debit card from that area. 
I received a letter from Direct Express dated XX/XX/24 telling me that they denied my claim. 
I requested that they send to me the document they used in making this decision. I received those papers on XX/XX/24. They dont tell me anything as to why they denied my claim. 
I have been issued a new debit card since this has happened but I still am in possession of the card I had when all this happened. It has never left my possession that I am aware of. I have never given my debit card information to anyone. I have no idea how this has happened. 
I have copies of all documents that have been mentioned in this letter. I dont know how to send them via email but will gladly send them to you if you let me know where to send them and to whom. 
Thankyou for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-30 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: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-30 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation