vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 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: NY

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 party. 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 2024-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: VYSTAR CREDIT UNION
State: LA

Complaint narrative:
I currently have a loan with a credit union ( VyStar Credit Union ) for a vehicle purchased while on XXXX XXXX. According to the SCRA Benefits provided to services members who are currently stationed/reside in the state of Louisiana ( Special SCRA benefits, separate to those from the Federal SCRA ), I am subject to a maximum APR of 6 %. This is a Louisiana Specific law that honors debts occurred WHILE on XXXX XXXX, not just PRIOR to XXXX XXXX. Through numerous attempts to discuss this with their lending department I have been denied. All other lenders I am currently working with have honored this request and VyStar is the only one currently denying the support of an XXXX XXXX member.

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 2024-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have filed an FTC report followed by dispute letters, which have been mailed out on XX/XX/year> regarding all accounts that are a result of identity theft. The bureaus affected by data breach have failed to provide proper validating documents pertaining to me owing this debt.

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 2024-07-16 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: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.

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 2024-07-16 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: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account XXXX XXXX Subject : Final Request for Correction of Credit Information Before Formal XXXX Dear XXXX XXXX XXXX XXXX I am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account number Re : Account XXXX XXXXXXXX Despite my previous letters dated [ XX/XX/XXXX ] and [ XX/XX/XXXX ], I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation. 
Details of the affected payments are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the necessary corrections are not made within 15 days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : CFPB FTC States Attorney General

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 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I received a notice from Portfolio Recovery Associates , LLC stating that they were trying to collect debt owed to XXXX XXXX. My wife contacted them trying to get this resolved. The amount of debt was {$1600.00}. After my wife had been on the phone for over XXXX hours she finally found out that the account number on statement was not mine. The address they had for statement had been going to an address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. The account ending XXXX was not my credit card number. I closed my account ending XXXX in XXXX. I filled out forms that was sent to me with the information requested to prove that this was fraud. I just received notice dated XX/XX/XXXX that after they had reviewed the documents related to the account and establish its validity. My wife called them again and they suggested to fill out this form and go from there. I don't know how else to prove that this is fraud other than I have lived in XXXX XXXX XXXX for over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: MI

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: PayTomorrow, LLC
State: TX

Complaint narrative:
Pay tomorrow and somebody took it out in my name and it was not me and theyre not paying on it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had to use different option. 

But the issue here is not sue of the card. 

The issue is the actual Citibank website that arrives XXXX XXXX credit card. 

Citibank already knows the issues of its website and login and etc but refuses to fix it. 

I cant use any proper site to log in without changing the password so many times. 

Citibank is a XXXX XXXXXXXX dollar bank but running its website like its from a 3rd world country. 

I have seen better sites in XXXX world countries. 

A XXXX XXXXXXXX dollar bank cant seem to fix its log in issues at all and keeps telling customers excuses.

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 2024-07-16 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: PA

Complaint narrative:
I am rewriting to formally resubmit the complaint to EQUIFAX regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
From XX/XX/XXXX to XX/XX/2023, I was in a medically induced coma due to a severe accident. During this time, unauthorized transactions occurred on my Capital One account, which I discovered upon my release from the hospital on XX/XX/XXXX. The fraudulent transactions total approximately {$32000.00}, spanning several claim IDs ( listed below ). 

Upon discovering the unauthorized charges, I promptly contacted Capital One to dispute the transactions. Despite providing substantial evidence of my medical incapacitation, including hospital records, my dispute was denied. I have made multiple attempts to resolve this issue with Capital One, including sending a formal dispute letter and a follow-up letter, but my claims continue to be denied. 

Disputed Transactions : Claim ID : XXXX - Amount : {$2200.00} Claim ID : XXXX - Amount : {$1700.00} Claim ID : XXXX - Amount : {$3500.00} Claim ID : XXXX - Amount : {$3300.00} Claim ID : XXXX - Amount : {$8400.00} Claim ID : XXXX - Amount : {$2100.00} Claim ID : XXXX - Amount : {$4200.00} Claim ID : XXXX - Amount : {$3700.00} Claim ID : XXXX - Amount : {$2500.00} Actions Taken : XX/XX/2023 : XXXX fraudulent charges and contacted Capital One to report them. 
I Sent a formal dispute letter to Capital One outlining the unauthorized transactions and my medical condition during the time they occurred. 
SECONDLY : Sent a follow-up letter reiterating my situation and requesting a reopening of my fraud claims. 
Despite these efforts, Capital One has not provided a satisfactory resolution, and my financial situation has been severely impacted by these unauthorized transactions. I seek the CFPB 's assistance in obtaining a full refund of the disputed amounts and ensuring that Capital One conducts a thorough and fair investigation into my claims. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for Consumer Reporting Agencies have assumed 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 the account : XXXX XXXX. Account Number : XXXX. Please investigate and provide proof with statements showing that these payments were late. If evidence can't be provided I demand these payments be updated on time as they should be as I was NEVER late. 

Thank you.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: VT

Complaint narrative:
I received a collection from Midland credit. Upon receipt, I requested a debt verification, with no response. I subsequently certified mailed a total of 3 requests for debt verification, one which was refused by Midland Credit and returned to me. I did not receive a debt verification response for any of my requests. The debt appeared on my credit report, I disputed it, but it continues to appear on my credit despite Midland Credit not complying with federal credit law to verify debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
I have not had an income for XXXXXXXX XXXX except for a XXXX XXXX XXXX for a few months after getting XXXX and being taken off work by my XXXX  from the XXXX XXXX XXXX XXXX where I worked for XXXX years and was cheated out of my XXXX and short and long term XXXX which I am currently in the process of suing them for, at the same time I am waiting for my XXXX pension to begin as a twice XXXX XXXX and have no credit cards, and have not been able to retain a loan, so out of desperation reached out to Sun Loan to get a small loan to get me by until I get my first pension payment. They have you fill out the application on their website at XXXX, then have you upload your DL, copy of paystubs or XXXX statement, and XXXX bills with your address, which is not necessary until they approve and close the loan and dangerous to do with as much fraud as there is nowadays. I know as I used to be an XXXX XXXX for two higher-level finance companies in the past. But, since this was a request for a loan with markets themselves as a loan that does not require a pull of the credit reports, which is what I needed as my XXXX XXXX fell to XXXX due to my having to take off work and not being paid then being XXXX XXXX on top of it and not having any income for almost XXXXXXXX XXXX ( my credit was perfect until this happened ) and Sun Loan is a subprime lender NOT a bank, who charges inflated interest rates for this very reason they make loans to those of less than perfect credit scores, I went ahead and uploaded all expecting to get the loan. But instead, they took all this information under false marketing as they then denied my loan. I then went onto their website to delete my PPI and it was not on the site for me to access anymore. I think these crooked finance companies and businesses taking all this information before denying loans are selling our data. I want several things addressed, the fact that they are falsely advertising themselves as a loan option for those with less than perfect credit and that they do not use your credit report for the loans, and XXXX for taking PPI from customers when it is not necessary to make a loan decision and possibly selling or compromising that PPI via the internet and dark web. As well why is there no bank with loan interest for those XXXX years and older like me and the elderly who are receiving XXXX benefits to get loans from and not be expected to have perfect credit or pay exorbitant interest rates, as we have a stable income but seem to be discriminated against due to our age, poverty and not having a regular job!! Subprime companies should NOT be allowed and should be fined and shut down for all these reasons and should not be allowed to get away with running their business with the same expectations as a low-interest rate bank, as they are NOT a bank, they are a subprime finance company aka loan shark.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: Continental Services Group, Inc. d/b/a ConServe
State: NE

Complaint narrative:
Paid and old debt to conserva debt collection for a debt they held for ENT credit union the check cleared XXXX XXXX  I initiated a dispute to have them change the debt status to closed paid and they did not change the status after the dispute was finished

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: GA

Complaint narrative:
This account is from XXXX XXXX XXXX a company when I called does not have and record of my name or social security number. No account is was removed from my credit. Now Equifax have resubmitted the account on my credit report and another account I have no knowledge of. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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