vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received a hard inquiry on my credit report from Capitol One, I have never applied for a Capitol One card nor have I ever owned one. I reached out to Capitol One and they told me there was nothing they could do for me. The individual attempted to open a credit card and did open a debit card with Capitol One and XXXX  XXXX XXXX and used that debit card to make XXXX Purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
According to Original Complaint # XXXX, I requested to have all accounts placed in collections/charge off status has been reported without the creditor mailing me a copy of my IRS form 1099-C or 1099-A, operating as a scheme to continue collecting from me even after the debt has been written off. This is in violation to 26 USC ss 6050P. Some of the items are still reporting unlawfully. This is a FINAL request to have all derogatory account information deleted from my credit file within 10 calendar days or I will be forced to officially file IRS form 3949A and IRS form 211 against all entities involved : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) In addition to derogatory accounts, there are several instances where my personal information has been reported incorrectly. The ONLY spelling of my name is XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX. My ONLY current address is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. My correct social security number is XXXX. My correct date of birth is XX/XX/year>. Please make these corrections effective immediately. This is a FINAL request. My next step will be to officially file IRS form 3949A and IRS form 211 against all entities involved. This is in clear violation to 26 USC ss 6050P.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: LA

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-16 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: LA

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2024-08-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX, fraudulent credit report for service claims at a XXXX, Florida address, in XX/XX/XXXX, for {$1000.00}. I filed a complaint on this same issue with CFPB on XX/XX/XXXX, and against the Recovery Company listed in your records. All for the same fraudulent charges. It was removed. I've still have never been to Florida and I don't know anyone there. 
XXXX XXXX XXXX is now attempted to collect through a different collection agency that has posted this fraudulent debt on my credit report again in XX/XX/XXXX. This has a negative effect on my report. I spoke to the supervisor at the ( new ) current collection agency, ( Re : XXXX XXXX XXXX ), She stated that they have had the collection account since XXXX. I wasn't aware of this until XXXX, because I didn't pull my credit report last year. I'm filing another complaint against XXXX XXXX XXXX, to remove this fraudulent account from their records permanently, and to stop sending it to different collectors using my personal information. I'm also, requesting a complaint against the ( new ) current collection agency. I hope this is made public for the simple fact that we all need to check our credit reports yearly. A report like this can effect major purchases, interest rates, and employment.

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 2024-08-16 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: GA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding is reported on my credit report to XXXX and XXXX for an account that I do not own. They appear to be a collection agency and seemed to be managed by Resurgent Capital Services, I have never done business with them or the original creditor that they claim this item belongs to. I have tried to reach out to their company several times to get this item removed. It contains inaccurate and unverifiable information. Different information is being reported to different credit reporting agencies. I have been battling XXXX, XXXX, and XXXX for several years. During that time I have become a victim of identity theft. I was also a victim of the XXXX XXXX XXXX. I have reported this to my local police and the FTC. I have attached the Identity Theft Affidavit. I have also attached my drivers license and social security number for identification purposes. I would like this account removed from my credit report immediately as it does not belong to me.I have lived in Florida my entire life. This account is a collection account for an unpaid utility bill in Texas. I have also tried to contact the original creditor to get details on this account and to get it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/year> @ XXXX am I made an online purchase using my Credit Karma money spend debit card but accidentally entered the wrong CVV code, the transaction should've been declined however it was approved. I made another small transactions and used the wrong code again that transaction was also approved. I screen recorded the second transactions for proof. I contacted Credit Karma spend account customer service at XXXX am PST on XX/XX/year> and was immediately told that it was a glitch in their system and that I'd have to file a dispute. Which I disagreed because the dispute would go against the merchant which it is not their fault that the bank approved the transaction. I spoke with a supervisor and again was told that I'd have to file a dispute. After being on the phone for XXXX minutes, I was disconnected. I called back and explained that I had proof of this happening finally I was emailed a link to upload the video which I did. Never heard anything. So I contacted again and then was told that they don't support videos, so XXXX screen shorted pictures directly from the video and sent them in. It is now a day later and I have yet to hear anything from them. So basically anyone could use my card number with any random CVV code and the transactions will be approved. I also requested information wanting to know each transaction that was made using the wrong code and they said they don't have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: GA

Complaint narrative:
Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. Debt validation includes the following : Who was the original creditor on this account, and what was the account number? What was the original amount owed? Please provide a complete payment history, starting with the original creditor. Please provide documentation that demonstrates I am legally obligated to pay this debt. What was the original date of delinquency for this account? Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. What did you pay for this account, and how did you calculate the current amount owed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My account was permanently limited so that I cant use it at all and Ive requested for it to be closed. PayPal refuses to close it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried numerous times to access a credit freeze on the TransUnion website. Nothing worked, the site kept crashing or giving me errors. I attempted to call them XXXX times and at various levels of verification or simply in the middle of the call it would disconnect. XXXX and XXXX had no issues and was able to apply a credit freeze. However TransUnion is the weak link and should be shutdown since we are unable to protect our information when there is a data breach.

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 2024-08-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XXXX I renews cd at XXXX XXXX XXXX 
The bank is saying that they are having computer errors that wont update the rate. So they are advertising one rate and setting your existing rate at half of that rate. ( XXXX  XXXX ). I started this process two weeks before and they were trying to right it up at the lower rate and saying they would back date. I went back a week later to see if it was fixed and they wrote up for the correct rate but it still hasnt been corrected in the system. Its still showing that its at half of the XXXX pay rate.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax not reporting a credit score or producing a credit report. 

This is hinderig me getting funding for a vehicle for my XXXX XXXX XXXX daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-16 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: VA

Complaint narrative:
REMOVE THE LISTED inquires as they are in Violation of " my consumer rights.

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 2024-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: General Motors Financial Company, Inc.
State: NM

Complaint narrative:
In XX/XX/XXXX I was in a not at fault accident. The vehicle I had financed through GM financial was crushed, and towed to a yard. I informed GM financial of this on XXXX. I was told at the time to keep them in the loop, as I was not at fault. It was determined that I was not at fault, and the responsible party was trying to evaluate the vehicle and damage. At this time it was discovered that GM Financial had taken possession of the vehicle. They were contacted by my legal team. It was asked why they did not inform me of their intent to take the vehicle. That could not be answered. We were informed it was selling at auction the next day. 
Because of this, my insurance had to pay the vehicle, with the intent of recouping the amount from at the fault party once a settlement is reached. 
Following this payment, I started my GAP insurance claim. I informed GM financial of this and spoke with them several times. I filed my GAP claim on XX/XX/XXXX. 
On XX/XX/XXXX I was informed by my GAP insurance that GM Financial cancelled my GAP insurance on XX/XX/XXXX. I contacted GM Financial and was advised that my vehicle was repossessed. Then I was told that it was impounded. I advised that I knew this because it was undrivable after the accident. I was then told by another representative that it was repossessed and they refuse to reinstate my GAP. When I asked why I did not receive anything notifying me that my vehicle was repossessed, I did not get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
M and T bank has an auto dialer calling me at least once per day. It says ( I copy and pasted )... 

This is M & T Bank. Please return our call at XXXX at your earliest convenience. Again, the number is XXXX. 

I have called twice and asked them to stop. They have not done so and say there is nothing they can do. Today I got a call at XXXX and XXXX with a XXXX second message. It's is beyond harassment and they will not do anything to sop it. 

Can you help?

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 2024-08-16 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX **Subject : Dispute of Inaccurate Information Reported by XXXX Dear CFPB, I am writing to formally report inaccurate information that has been reported on my credit report by TransUnion. My name is XXXX XXXX XXXX account ending in XXXX Upon reviewing my credit report, I discovered the following inaccuracies : - **Dispute** XXXX XXXX XXXX XXXX  information, such as the Current balance, and available Credit.status ] - **Reason for Dispute** : The current balance is $ XXXX, and a Available Credit is {$200.00}. this is starting to become a cycle. 

I have already reached out to TransUnion to dispute this information on XX/XX/year>. I'm attaching a screenshot of my credit card. This documentation I provided to them, with a online dispute. 

I am seeking your assistance to ensure that this matter is resolved and that my credit report is corrected. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely, 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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than a month ago, I have received no reply, nor has adequate validation been provided. I now request your help in addressing and resolving this situation swiftly and efficiently.

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 2024-08-16 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: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Nelnet, Inc.
State: OH

Complaint narrative:
XXXX XXXX XX/XX/2024 Re : Disputing error [ s ] on credit report Dear U.S. DEPARTMENT OF EDUCATION I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : Dispute : Account Number or other information to identify account Dates associated with item being disputed Explanation of item being disputed The report shows I currently owe money to your company that I have already repaid. 



The date of first delinquency on my report is not accurate My student loan shows a period of delinquency when I was actually in an income-driven repayment plan. 



Harassment : If the collector uses abusive language, calls at unreasonable hours, or engages in any form of harassment. 

False Information : If they provide false information about the debt, such as the amount owed or claiming to be affiliated with law enforcement. 

Failure to Validate Debt : If they fail to provide a proper validation notice or do not validate the debt upon your request. 

Improper Communication : If they contact you after you've requested that they stop communication or if they share information about your debt with third parties without your consent. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation