vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: OR

Complaint narrative:
Hello! How are you? Hope you're doing well today. Thank you for reading this. There is some incorrect information on my report, I believe it is because I share the same name as my father, and have some of his addresses on my report for some reason. I would like the following credit inquiries removed from my account. I do not recall authorizing these hard inquires, I want them taken off immediately please. I share the same name as my father, and have some overlapping information on my report that is his, like addresses, etc. I will take care of that in a separate report. For now, please remove the following inquiries from my report : Two inquires from XXXX XXXX  ( requested on XX/XX/2023 & XX/XX/2023 ). Two Inquiries from XXXX XXXX ( requested on XX/XX/2023 & XX/XX/2023 ). Two Inquiries from XXXX ( requested on XX/XX/2023 & XX/XX/2023 ). I would also like to request that two delinquency marks be removed from my report. From XXXX XXXX XXXX XXXX. I believe these to be errors, as I have always paid on time, and / or communicated with customer support as to when I will make a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: OR

Complaint narrative:
Hello! How are you? Hope you're doing well today. Thank you for reading this. There is some incorrect information on my report, I believe it is because I share the same name as my father, and have some of his addresses on my report for some reason. I would like the following credit inquiries removed from my account. I do not recall authorizing these hard inquires, I want them taken off immediately please. I share the same name as my father, and have some overlapping information on my report that is his, like addresses, etc. I will take care of that in a separate report. For now, please remove the following inquiries from my report : Two inquires from XXXX XXXX  ( requested on XX/XX/year> & XX/XX/year> ). Two Inquiries from XXXX XXXX ( requested on XX/XX/year> & XX/XX/year> ). Two Inquiries from XXXX ( requested on XX/XX/year> & XX/XX/year> ). I would also like to request that two delinquency marks be removed from my report. From XXXX XXXX XXXX XXXX. I believe these to be errors, as I have always paid on time, and / or communicated with customer support as to when I will make a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: OR

Complaint narrative:
Hello! How are you? Hope you're doing well today. Thank you for reading this. There is some incorrect information on my report, I believe it is because I share the same name as my father, and have some of his addresses on my report for some reason. I would like the following credit inquiries removed from my account. I do not recall authorizing these hard inquires, I want them taken off immediately please. I share the same name as my father, and have some overlapping information on my report that is his, like addresses, etc. I will take care of that in a separate report. For now, please remove the following inquiries from my report : Two inquires from XXXX XXXX  ( requested on XX/XX/2023 & XX/XX/2023 ). Two Inquiries from XXXX XXXX ( requested on XX/XX/2023 & XX/XX/2023 ). Two Inquiries from XXXX ( requested on XX/XX/2023 & XX/XX/2023 ). I would also like to request that two delinquency marks be removed from my report. From XXXX XXXX XXXX XXXX. I believe these to be errors, as I have always paid on time, and / or communicated with customer support as to when I will make a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On Thursday XXXX, my vehicle was repossessed from XXXX ( store # XXXX ) parking lot at or around XXXX XXXX  by Wilshire Consumer/Westlake Financial . I contacted emergency services to be informed that the vehicle was in fact repossessed. I contacted Wilshire Consumer and spoke with a rep who advised she could push XXXX payments to back of loan if I made the XXXX payment of {$290.00} which I did. Since she didnt have any update on my vehicle even being repossessed I called back on Friday XXXX and spoke to another rep who provided me a total of {$850.00} in order to be able to retrieve my vehicle back. I was advised by the rep I needed to pay the amount through XXXX and it would be a direct payment that would post immediately so I proceeded to XXXX. I went to XXXX ( store # XXXX ) and paid {$850.00} and received a reference #. I called Wilshire to provide the details and a rep stated she would notate this information. She also informed me it was no way I would be able to get my car back before the weekend because they needed the payment to post in system in order for them to release the vehicle back to me. I called on Monday XXXX and was informed by a Wilshire rep that my payment was still pending and that I still would not be able to get my car released until that payment posted. I continued to call back for the remainder of the day to inquire about the payment showing up but it continued to show pending. I called Wilshire on Tuesday XXXX and spoke with a rep who stated the payment is showing and a release could take XXXX XXXX stated he would contact a supervisor to escalate the release to my car and placed me on hold. The rep came back to the line and stated in XXXX hrs the release should be sent over for me to get my car back. The release needed to go through XXXX XXXX XXXX just for them to send it to the XXXX company XXXX XXXX in XXXX, XXXX. I continued to call all day and even spoke with a supervisor just to get several different answers that did not line up with my earlier call. One rep stated I didnt it the repo fee where another rep stated it will still take another XXXX hrs after the release was submitted. I even called XXXX XXXX and they tried to contact Westlake to get the release since I had been calling them since Monday XXXX. I reviewed my contract with Wilshire Consumer to see where it states that it would take XXXX hrs or more for a consumer to receive their car back after they paid all repossession cost and I could not find it. They even took my car to another state which had raw meat groceries in the car. I have to make arrangements in order to drive to Georgia just to get my belongings and pick up the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have sent many disputes and need this account by XXXX and LVNV Funding removed from all reporting agencies. My previous dispute letters and other documentation are in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
All info is in my attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I opened a savings account with Citibank on XX/XX/2023. I had deposited money into said account during that time. They said they would be sending me an ATM/Debit card associated with this account. I never requested a card to be sent but figured it was normal procedure. 

On XX/XX/2023 I received an email from Citibank saying ATM/Debit card was shipped. 

On XXXX XXXX Sunday XX/XX/2023 I received an email saying my ATM/Debit card had been successfully unlocked which I had not done because I never had the card in my possession. I went to check my mail and the card was not there. I immediately logged on to my Citibank account and noticed that {$1000.00} was withdrawn from a XXXX XXXX  near my place of residence at XXXXXXXX XXXX Sunday XX/XX/2023. I knew that my card had been stolen. 

After seeing this, I went into my Citibank account and locked my card as I called Citibank to file a dispute at XXXX on Sunday, XX/XX/2023. 

After filing a dispute with Citibank, they told me they would be sending a new ATM/Debit card which would be new and sent via XXXX instead of USPS. I received the new card on XX/XX/2023 and activated the card which I now have over the phone with them. 

After waiting for my dispute to be solved, I received a results letter from them XX/XX/XXXX saying that I would not be getting money back. They said the activity was consistent with my account ( I hadn't done anything but deposit money into the new account ). 

I filed a police report for the mail fraud as well as a report for the ATM theft because it was two different county police departments. After waiting for the police to do an investigation and get photos from the XXXX XXXX, I received photos of a suspect who we now know ended up taking the money out of the ATM. I have police reports and backup to prove that this was not myself. 

I have tried countless times with Citibank to explain but they continue to " investigate '' and deny my dispute claims multiple times even with the proof from my filed police reports.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 explanation
Consumer complaint received 2024-03-05 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: Experian Information Solutions Inc.
State: SC

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 : XXXX XXXX XXXX Account 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 2024-03-05 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: EQUIFAX, INC.
State: SC

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 : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: GA

Complaint narrative:
on XX/XX/24 I submitted a complaint that no permission was given to report the following accounts on my credit report ( complaint # XXXX ) I even provided written documentation that the companies were notified and notified your agency with copies of documentation and you still violated my rights under FCRA and allowed inaccurate information to be reported and allowed my personal information to be trafficked without my written consent, and After being notified in writing you violated sections 616 and 617 willful and negligent non-compliance I further state once again : ** this a direct violation of my instructions - 15 U.S.C. 1681, Section 604a, Section 2 ** this a direct violation of my privacy - 15 U.S.C. 1681, Section 602 *** you have allowed credit card companies to report late payments in violation of - 15 U.S.C. 1666b I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** and I Further state that I owe no Debt : ( See Attached Documents ) The following accounts are in violation : and have no permission to report and no debt exists. 
XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXXXXXX 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

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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 2024-03-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
My husband purchased and Activated a {$100.00} vanilla visa gift card at XXXX on XX/XX/2023 as a holiday gift for myself. I have made many attempts to use it without success, it showed O balance. I called the number on the back of the card and was directed to someone in XXXX who offered to help me if I gave him my bank information. He offered to deposit the missing {$100.00} money in my bank acct. I refused and hung up. I called again and a second customer rep wanted my Credit card info to credit the money to my acct. I refused and told him he did not need my personal Credit card information to help me with the missing money on the gift card. My husband eventually replaced my gift card and has since called the number and was told the card was used to make a purchase. Out of curiosity I went on consumer complaints, and there are many many customers who purchased vanilla visa gift cards for hundreds and even thousands and found out the cards they gifted had O balance on the gift cards. The vanilla visa gift cards are fraudulent and need to be removed from stores immediately. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: AZ

Complaint narrative:
Have fraudulent inquiries in my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Bought a fridge from Home Depot - interest rate on their card is 25 % - Yesterday XXXX - got letter from Citi-Bank - raising their interest rate to 27.34 % on purchases. One can opt out and they will cancel your card. These interest rates are XXXX!!!! News just said late fees will be capped at {$8.00} and the response from the companies is that they will have to raise interest rates. Interest rates should be capped at no more than 15 %. People that offer the cards pay 3 % so their customers can use them. Somebody - you? has got to do something to cap credit card interest rates so people can use them and pay for what they buy at a reasonable rate. Thanks for listening!

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 2024-03-05 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: MT

Complaint narrative:
XXXX continues to allege that my account is delinquent. I made payment arrangements from XX/XX/2023 to XX/XX/2023 to be caught up, only to be told my account was still delinquent. I responded by asking in email for a complete reconciliation of the account payments including the purchase of the debt. This information has yet to be provided. 

After receiving threats of foreclosure. Including lies about receiving correspondence on my behalf from the Veteran Affairs. I have asked for the correspondence and it has also not been provided, which leads me to believe they fraudulently stated in order to coerce me into making a payment. 

Written notification XX/XX/2023 to XXXXXXXX XXXX requesting original loan information proving that I owed the debt. Received response back without the information requested and legal representative insisted that the debt reporting to bureaus is accurate and would not be removed. 

They have no provided the information and I have requested complete information on the account to prove they are legally entitled to the collection of the 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
XXXX continues to allege that my account is delinquent. I made payment arrangements from XX/XX/2023 to XX/XX/2023 to be caught up, only to be told my account was still delinquent. I responded by asking in email for a complete reconciliation of the account payments including the purchase of the debt. This information has yet to be provided. 

After receiving threats of foreclosure. Including lies about receiving correspondence on my behalf from the Veteran Affairs. I have asked for the correspondence and it has also not been provided, which leads me to believe they fraudulently stated in order to coerce me into making a payment. 

Written notification XX/XX/2023 to XXXXXXXX XXXX requesting original loan information proving that I owed the debt. Received response back without the information requested and legal representative insisted that the debt reporting to bureaus is accurate and would not be removed. 

They have no provided the information and I have requested complete information on the account to prove they are legally entitled to the collection of the debt.

Company response to consumer: Closed with explanation