vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the XXXX XXXX, Section XXXX. Compliance and Procedures [ XXXX XXXX  XXXX ] ( XXXX  ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, XXXX says, Section XXXX. Disclosures to consumers [ XXXX U.S.C. XXXX ] XXXX consumer reporting agency shall, upon request, and subject to XXXX ( XXXX  ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything 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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
In XXXX I went to XXXX I got out on XXXX.While in XXXX someone stole my SSN # and identity. The people who are using my name and ssn # use a XXXX XXXX address. I've never lived in such a place. Over the years of them using my ID they paid some bills and not others to boost my credit in order to get moore credit. There is a collection for {$3200.00} or around this amount. On my personal credit I owe for back child support while in XXXX and a SUV. Totaling XXXX plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Today Thursday XX/XX/2023 I am realizing that all my bank accounts that I have at Bank Of America have been closed and I called to find out the reason and the only response was that the bank made that decision and I can't do anything. 
My personal and business account are inactive and as a consequence I am in a financially critical state to be able to operate my company, generating serious consequences for 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 2023-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I used Capital One 's mobile deposit app to deposit a check on XX/XX/XXXX from XXXX XXXX XXXX. XX/XX/XXXX I received an email from Capital One that it was successful and the funds appeared in my account. I went to XXXX for a month to work. I returned on XX/XX/XXXX and happened to check my account and noticed the {$850.00} check from XXXX XXXX had been reversed. I did not notice any notification from Capital One that this had happened. I called to inquire why it was reversed and why I had not been notified that {$850.00} had been taken out of my account. They said I " should have received an email '' and I asked them to forward said email and they didn't have one. They said there was something wrong with the check and I'd have to contact XXXX XXXX. I asked why it said it was successful when there was something wrong with the check and they said they didn't know. I contacted XXXX XXXX who said they didn't have a phone number for this and I would have to send a message through their portal which I did. I heard nothing back, I contacted them XX/XX/XXXX to follow up and they said nobody had looked at it yet and they would expedite it. XX/XX/XXXX I still have not heard from them. I contacted Capital one XXXX times about this matter because I kept being told somebody would follow up and nobody ever did. Today XX/XX/XXXX was the last time contacting Capital one and he also couldnt " tell me why the check was reversed or why I hadn't been contacted, he just said he would create a case on it. Please help me get my {$850.00} back, I feel like Capital One has unfairly taken it out of my account and I will be closing said account this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased A vehicle on XX/XX/23 went to return this vehicle 3 days later because it's a lemon. Transmission is gone, vehicle had all fluids like none. I went back to the location in XXXX XXXX where I purchased and the dealership was closed down. I've been calling for help since and no help at all. They want you to keep making payments on a broken vehicle. I put in a claim to repair. The place where they tell you to bring the vehicle will not honor the claim because they said they will not get paid. This has been a nightmare. Now it's time to retain an attorney for help. This is the worst experience I've ever had. If I could put XXXX stars it's still not good enough. I've paid XXXX for a down payment, XXXX a month for the note, XXXX. For an extended warranty that is no good. Also XXXX. For good year to tell me that this vehicle is a lemon. Ca n't drive over 50 miles the vehicle cuts off. Also having a problem with billing. They're saying I owe them XXXX and I do not owe anything. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a victim of aggravated identity theft. I ask that you RE-INVESTIGATE this matter and I demand to see proof with my signature on it that have on file for the account ( s ) listed. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed contract. Also, note that if the company has file a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain. Also, note there is a bankruptcy reporting that was said to been verified by XXXX and XXXX I reached out to the bankruptcy court and their response to my letter was The United States Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Complete Credit Solutions, Inc.
State: FL

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I'm requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction me as a consumer. 

Account Name : Complete Credit Solution Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX You are required to do what I'm asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX has already removed XXXX XXXX on my consumer report but Experian failed to do so. This is a follow up dispute to both Experian and XXXX XXXX to remove the Accont off of my consumer report or i will sue for furnishing inaccurate information 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 explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have a conn 's account showing on my XXXX credit report. This account has a first delinquency date of XX/XX/2016 THis account was removed from my credit report and is now showing on my credit report again. this account needs to be removed immediately balance showing on Credit report is {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate 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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I lived in XXXX XXXX XXXX between XXXX and XXXXXXXX XXXX My one bedroom apartment rent was {$340.00} which totaled {$4000.00} per year, making the entire 30 months occupancy totaled to {$10000.00}. There was no single month that I did not pay my monthly rent of {$340.00} and my continued occupancy was a clear testament to this, because I wouldnt be allowed to stay if I fail to pay a single month since the rent was month to month. I wouldve been evicted right away. And that being the case, the amount of {$4000.00} plus that is reflected on my credit report from this company was so inaccurate that it almost amount to the entire one year of tenure in this said apartment managed by the company named above. I have never abandoned the apartment at any given time, nor did I ever fail to pay a single month. All the tenants vacated the said property at the same time, because we were all issued an official notice letter that the property is being sold to a new developer who intends to do renovation and therefore by XXXX of XXXX the entire property needs to be vacated and there are still tenants in town that can attest to this fact since there was up to 7 apartment in one house and all were ninth to month payment. And we all left at the same period ( XXXX of XXXX ). 
I was checking my credit account the other day and I have found out that there is an outstanding account from XXXX XXXX, I decided to contact XXXX XXXX to see how is it possible that I have almost one year unpaid rent on my credit report when I was paying everything until we all left in XXXX, the lady that picked up the phone kept saying Yes, you didnt pay, yes you owed it, repeatedly and before the conversation goes ugly, I decided to tell her okay I will go ahead and file complaint and dispute this, since she was not ready to listen to me, instead of answering my question where did those numbers come from, which months are they, and how was I able to live in there continuously for one year without paying a single month and never was evicted since the amount reflected on the account is equaled to almost one year of rent. And she instead went defensive and aggressive on the phone, they should have the phone record of our conversation, and she was never able to provide me reasons why I have such inaccurate account. I told her then if you do not have answer to my question then I thank you for your time I will just go ahead and dispute this account because it is in accurate as far as I know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2023 I login to pay my credit card in full ( which I always do ) and I found my account closed. I've had this card for over 10 years and never had any issues with it, and my balance is always paid off in full. I called 3 times and in all times they said that I should have gotten a document in the mail but I do not have anything. To top it off, I lost all my thank you points that I have accumulated over the years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
A number of charges appeared on my credit card that I did not authorize. Citi proactively notified me, but since then it has been a week+ of XXXX. I informed Citi I was traveling abroad BUT did not authorize payments. Citi staff notified me they would mail me a new credit card to my mailing address even though I was not home ; I requested they hold on mailing a new card numerous occasions ( at least XXXX ). The card was mailed and now sits in my mailbox which is unattended. The new card continues to have fraudulent transactions charged to it even though I am in a foreign country. Citi continues to call me and text me to alert me of transactions, however I am unable to speak with Citi as I am locked out of my account until a code can be delivered. I notified the company that the charges processed were fraudulent ( all charges in Massachusetts ) and yet the charges posted- this is a violation of regulation z/e as I had provided the transactions + my account + my name. And now it just drags on closing my accounts when all is said and done.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
This is the second request on the item. OneMain Financial claims that I applied for a loan or wanted to see offers, but I did not do so. I have never engaged in business activity with them and they have erroneously included a inquiry on my credit report. Furthermore, they have not shared any record of my application. I did not apply or submit any information online, so I DO NOT HAVE any record of this. If they do have any record of this, this would be identity theft and I am prepared to file a police report about this. Finally, I contacted XXXX about this and their fraud group looked into this and reached out to OneMain and subsequently deleted this item from my credit report, citing fradulent activity. Clearly something is amiss here and OneMain refuses to acknowledge their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DISCOVER BANK
State: TX

Complaint narrative:
I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letter XX/XX/XXXX which is a FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
owner of my loan say they can't make loan changes, and the servicer shellpoint have to make the adjustments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial
State: CT

Complaint narrative:
I sent the credit bureaus letters asking them to verity the deft on my reports. They have send it back to stating that everything is verified correctly. My credit report is still showing inaccuracies. 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 explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is incorrect personal information on my credit report I need removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Title One, Inc.
State: MI

Complaint narrative:
My lein was not discharged. Title one transferred to FDIC who will not handle if not a bank and it was not a bank it was a servicing company. Title One is not doing there job and correcting the issue they are passing the buck again. This has been going on 23 years I want it corrected.

Company response to consumer: Untimely response