vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2024-05-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed that I have multiple late payments on an account that I was falsely accused late for. The consumer reporting agencies have assured a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account and have proof of such. Included is a screenshot of the late payments thats listed on my report. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please view screenshot attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed that I have multiple late payments on an account that I was falsely accused late for. The consumer reporting agencies have assured a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account and have proof of such. Included is a screenshot of the late payments thats listed on my report. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please view screenshot attached.

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 2024-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Last XXXX I financed a XXXX with XXXX XXXX XXXX in XXXX Missouri, so many things were handled incorrectly from what we were told we were qualified for to the terms of the loan and even the purchaser and co purchaser are incorrect? My mom was not even present for the the signing as a co buyer and they had an employee drive and meet her in a lot 2 hours away several days after I signed. Now Im realizing the we have been given a fraudulent loan that had terms we never would have agreed to ever, these 4-5 line items were never disclosed and now we are facing issues with ally auto over financing terms and apr and even who owns the car? The dealership has been no help and ally is impossible to work with and keeps threatening repo instead of helping me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: FIRST NATIONAL BANK OF OMAHA
State: IN

Complaint narrative:
First National Bank of Omaha has placed a delinquency on my credit report for a card which I do not have. I do not have an account with this organization unless this is the result of fraud or theft.

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 2024-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems is not licensed or registered to do business in my state I Request the company provide documentation that confirms their legitimacy. This includes their business license, NMLS ID, and proof of authorization to collect debts in your state. If they can't provide these documents I Request that the unauthorized collection be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
After discovering an unauthorized credit card account opened under my name, I immediately contacted the company 's credit card service to report this fraudulent activity. It was distressing to learn that not only had someone managed to open a credit card account without my knowledge or consent, but they had also made a fraudulent purchase at a store located in XXXX, XXXX. 

Living in XXXX, it was clear that I couldn't have possibly been present at the mentioned store on XX/XX/2024. Furthermore, upon receiving the bill statement, I noticed that the store credit card didn't even bear my full name. It became evident that someone had maliciously obtained and misused my personal information for their own gain. 

I promptly reached out to the customer service department of the company again after receiving the bill in XX/XX/2024. They assured me that they would close the unauthorized credit card account ; however, much to my surprise and frustration, they still demanded payment of {$620.00} dollars along with a monthly late fee of {$30.00} dollars. 

It is important for all parties involved to recognize that this situation has caused significant inconvenience and stress in my life. As an innocent victim of identity theft and fraudulence, I am seeking fair resolution from both legal and ethical standpoints.

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 2024-05-26 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: CBC Companies, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX, Innovis, XXXX  XXXX violated my privacy and shared my private information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has placed a delinquency on my credit report for a card which I do not have. I do not have an account with this organization unless this is the result of fraud or theft.

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 2024-05-26 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: FL

Complaint narrative:
I have been a XXXX XXXX customer since and during that time, I have enjoyed the experience and learning process of managing credit cards responsibly. XXXX XXXX is the first company that was willing to extend credit to me. 

I am writing to humbly request that you would be willing to make a goodwill adjustment to your reporting to the XXXX credit agencies. I have late payments with XXXX XXXX. since then i have not had a single missed payment

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX, & XXXX continue to report incorrect information on my consumer file. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX there should be no other names or addresses on my consumer 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 non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Tesla, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX and my phone number is XXXX. I have ordered my Tesla XXXX XXXX  under this email and I had applied for loan financing. My order number is XXXX. My XXXX XXXX was conditional approved by XXXX XXXX and I had provide my XXXX and XXXX over 5 days ago. However, I have not yet to receive a final loan approval and I am scheduled to pick up my car on XXXX XXXXXX/XX/XXXX. I have reached out to your sales representatives over this week many times and this has not been the best experience. I was XXXX through the Tesla application for a loan and I was XXXX to pay {$750.00} in order to XXXX XXXX XXXX and to apply for financing through Tesla. Now that I have done everything been asked by Tesla and I have provided my XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX deposit & been XXXX to {$750.00} and I was informed that I am approved through their prequalifying system. It is been over a week and my credit been ran and my score went down due to Tesla running my credit and I have not been in communication with Tesla financing team once because they conduct all their business via Tesla application which I have followed all their steps. Tesla have discriminated against me due to my credit per the ECOA law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I sent my XXXX payment of {$6500.00} to the wrong recipient. It was intended to go to the recipient, XXXX XXXX, but instead was sent to XXXX XXXX XXXX, a contact not used in my account for nearly XXXX years. 

On XX/XX/year>, Upon learning of the wrong recipient receiving the funds, I filed a dispute with the bank, trying to have the funds reversed. During this time, I also reached out to the recipient who received them in error, and despite her recognizing they are not hers and they were sent in error, she refuses to give them back. 

For approximately 10 days, despite reaching out to my bank for information and updates, I did not receive any information and the issue was not resolved. 

On XX/XX/year>, I received an update from the bank stating, " We found that the transaction was sent according to the recipients email/phone number and instructions you provided. No adjustment will be made to your account at this time. '' The claim number provided by my bank is XXXX. 

Subsequently on XX/XX/year>, I followed up with a phone call to the bank ( the only option provided for questions regarding the issue ) and asked to escalate and or appeal the claim. I was told I could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX Transunion Dispute Department [ XXXX Address ] Re : Identity Theft Dispute for Account # XXXX Dear transunion Dispute Department, I am writing to follow up on my previous correspondence regarding the fraudulent account listed under the name XXXX XXXX  with account number XXXX. As I have previously indicated, I am a victim of identity theft and did not authorize the opening of this account. I provided the following documents as required under the Fair Credit Reporting Act ( FCRA ) : 1. Proof of my identity. 2. A copy of an identity theft report. 3. Identification of the fraudulent information. 4. A statement asserting that the account does not pertain to any transaction I have made. Despite submitting these documents, the account has not been removed from my credit report. According to the FCRA, a consumer reporting agency is required to block the reporting of information that resulted from identity theft within four business days of receiving such documentation. I request that transunion immediately remove the fraudulent account from my credit report and provide a written explanation of the determination process if the account is not removed. Please note that I am prepared to escalate this matter to the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state attorney general if necessary. XXXX also needs to provide the reasonable determination account was not removed or blocked Because I sent all information correctly Transunion also needs to provide reasonable determination with 4 days of identity theft block Or if no reasonable set block accounts as no electronic signature or signature of the original contract was ever provided If transunion does not block accounts on credit report Then they will be considered a accessory to identity theft and I will report the credit bureau I assert I am XXXX XXXX and have my license to provide I am I need no other documentation to show proof of who I am I want accounts removed They are identity theft There is also another XXXX XXXX  account from XXXX  XXXX that transunion is reporting I want blocked

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score, ( XXXX XXXX XXXX ; Account Number XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score, ( XXXX XXXX XXXX ; Account Number XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.

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 2024-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has been harassing me with phone calls as well advertisements stating I was pre approved for a XXXX percent interests and free to apply as it will not reflect on inquiry on my credit profile XXXX  XXXX not only did it reflect but TWICE dropping my score XXXX XXXX knows EXACTLY my debt ratio etc and XXXX add to my previous open complaint MONOPILIZING MY PROFILE ETC trying to bring scores etc and giving me more like a XXXX percent rate vs XXXX percent rate BAIT AND SWITCH

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SSN : XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date XX/XX/XXXX To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error Inaccurate Addresses : 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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate phone numbers : ( XXXX ) XXXX Phone Number XXXX XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: MN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation