vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
A company doing business under the name, LVNV Funding LLC, using an account number XXXX, that is associated with my name and social security number, has recently been removed from from my credit report ( s ) as a collection for the amount of $ XXXX dollars. 
They are now reporting AGAIN for the amount of {$450.00} dollars. The report says the account was opened on XX/XX/year>. 
I demand this company provide any documentation that has my signature, authorizing any credit to be utilized in my name. If they can not provide such documentaion that clearly shows that I authorized them to issue credit in my name, I further demand that they remove ALL negative reporting from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-10 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: NE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-10 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: MI

Complaint narrative:
Basis for Dispute 1. Fraudulent Contract : I signed one valid contract with XXXX XXXX on XX/XX/year>. However, an additional contract dated XX/XX/year> was fraudulently created without my knowledge or consent. My signature on this document is forged, and I was not aware of its existence until XXXX XXXX filed a lawsuit against me. 
2. Removed by XXXX XXXX from XXXX : XXXX XXXX has already removed this account from my XXXX credit report, suggesting they no longer hold me responsible for the debt. This inconsistency raises questions about the legitimacy of this account on my TransUnion report. 
3. Discrepancy in Down Payment : The original agreement I signed reflected a different down payment than what was later altered by the dealership, XXXX XXXX XXXX XXXX, in an attempt to inflate the financing terms fraudulently. 
4. Unfair Practices and Bad Faith : I repeatedly attempted to resolve the matter with XXXX XXXX, including applying for their hardship program, but they failed to provide assistance. 

- In part Im asking that this account with the XXXX be removed from my credit report. I have no way to submit this information through their dispute page.

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 2024-12-10 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> To : XXXX Equifax XXXX XXXX : Notice of Inaccurate Reporting and Request for Removal of Unverifiable Accounts Dear [ XXXX/Equifax/XXXX XXXX XXXX I am writing to inform you of the results from my recent dispute with XXXX regarding XXXX charge-off accounts that were previously reported on my credit report. Following my dispute, XXXX conducted a thorough investigation, which concluded as follows : XXXX XXXX XXXX XXXX XXXX {$21000.00} Investigation completed on XX/XX/year> ; account was deleted from my XXXX credit report. 
XXXX XXXX XXXX {$2000.00} Investigation completed on XX/XX/year> ; account was deleted from my XXXX credit report. 
Given that XXXX determined these accounts to be unverifiable and subsequently removed them from my credit report, I am requesting that you review your records and remove them from my credit report as well. Their continued presence on my credit report may violate the Fair Credit Reporting Act ( FCRA ).

Consumer Rights and Legal Obligations Under 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy of the information they report and must remove or correct any unverifiable information. The deletion of these accounts by XXXX indicates that they were found unverifiable. As a result, your agency is obligated to remove these accounts to comply with the FCRA. 

Action Required I am requesting that you perform a review of these accounts and remove them from my credit report if they can not be verified. Failure to comply with this request may constitute a violation of the FCRA and could subject your agency to potential legal consequences as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for actual or statutory damages and attorneys fees for willful or negligent violations.

Timeline for Compliance In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), please ensure that these unverifiable accounts are removed from my credit report within 30 days from the date of this letter. 

Request for Confirmation I request that you provide written confirmation by [ insert a date 30 days from the date of this letter ] that these accounts have been reviewed and removed from my credit report. If you do not remove them, please provide a detailed explanation of why they remain on my report. 

Attachments Copy of XXXX written confirmation of account deletions. 
Any relevant supporting documentation related to this dispute. 
Thank you for your prompt attention to this matter and your commitment to ensuring the accuracy of the information on my credit report. I look forward to your response. 

Sincerely, XXXX XXXX [ Your Signature ( if sending a hard copy ) ] Enclosures : Copy of XXXX deletion confirmation Relevant documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: DC

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 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 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have traveled twice as much as I have in the last two years this year and received half the points. when I go back to review any of the details of my travel arrangements, Im unable to determine whether the amount of miles of the initial flight reflec the same as they were when I purchased the ticket ( s ). 
currently when I purchase a ticket, none of the mileage is on the ticket or how much XXXX mileage I will get with every purchase that I make, including bonus miles,. Therefore, XXXX XXXX is engaging in a deceptive practice by not accurately disclosing, the mileage per segment and the mileage per total per the reward program given the status of the purchaser. Without disclosing the correct amount at the time of purchase, no consumer could accurately reconcile the amount of miles. Theres to receive at the end of a month or a year or whatever timeframe. I further believe that XXXX XXXX is engaging in deceptive practices by just reducing the amount of miles they advertised as bonus miles for every purchase. It used to be at least 7 miles/ dollar or seven loyalty points per dollar spent or miles traveled now its only 5 total.

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 2024-12-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
XXXX and XXXX XXXX they scammed me. XXXX XXXX did the service and they charge me way to high and at the same time they dont wan na give my car. It was because of them they repossessed my car. And the XXXX and the financial institution called Chrysler capital they dont serve me right documents and they sold me a lemon car. Now I am having a financial hardship and my name was damage by this situation they did. I am a single mom. And I had a XXXX XXXX due to the stress what I experienced with this company. I am poor and they want me to be more poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. As per 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the removal of accounts or inquiries linked to fraudulent activity or unauthorized use resulting from this breach. 
The following accounts should be blocked and deleted from my credit file : Accounts : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$340.00} XXXX. XXXX XXXX Account XXXX : XXXX, Date : XX/XX/XXXX, XXXX : {$460.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1000.00} XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$2000.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$110.00} XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1300.00} Inquiries : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-12-10 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: FL

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 explanation
Consumer complaint received 2024-12-10 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: MO

Complaint narrative:
I am writing to formally request the blocking and deletion of the following inquiry from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and this inquiry is unauthorized. 
The following inquiry must be removed immediately : XXXX - XX/XX/year>

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 2024-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX XXXX I sent an inquiry to XXXX XXXX XXXX ( " XXXX '' ) about their investigation of my claims concerning debt sold to them by Capital One ( XXXX Account No. XXXX ; see also Complaint ID XXXX, where Capital One enables XXXX XXXX XXXXXXXX ). I have been unable to find my copy of their findings in an investigation I believe they did not conduct. 

In my XX/XX/XXXX e-mail, I asked for discovery of a XX/XX/year> letter concerning the status of the investigation. To date, I have received no communications that confirm or deny discovery ; not once at any time during the investigation had I received any communications for more information or evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-10 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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