vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 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: FL

Complaint narrative:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved.

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 2023-05-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-05-19 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:
Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/XXXX Oportun called me 3 times to ask me to refinance my loan as a preferred/special customer. I agreed, but informed them I would have to unfreeze my 3 credit bureau accounts. On XX/XX/XXXX I spoke to an XXXX who was walking thru the procedures to do the refinance, when she tired to put me on hold, we were disconnected. I called back and spoke to an XXXX, he tried to be very helpful. We went step by step to make sure we had all the information that was needed. I expressed deep concern as Oportun failed to have my correct phone number, and incorrectly stated they could not verify I am me and my income. XXXX assured me all was correct. We spoke twice. Then XX/XX/XXXX at XXXX XXXX  XXXX a person called from the escalation complaint department apologizing fro previous issues and said all my paperwork was/is in order. Someone would call with the final numbers. Nobody ever called. I called on XX/XX/XXXX, spoke to an XXXX who could answer nothing and hung up on me. Then I spoke to another person who said his name so fast I did not catch it. He just read a computer screen and answered nothing. Bottom line, we are now at XX/XX/XXXX and nobody has called, no paperwork has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One Auto Finance I test drove a vehicle XX/XX/2021. It was not the vehicle that I wanted so I decided against it. I purchased another vehicle from the same dealership but my bank financed it. The Capital One approval should have been reversed. Instead, they charged me {$790.00} for a $ XXXX vehicle and they have no explanation as to why. I never took ownership of the vehicle. The salesperson drove the vehicle back and forth to work for at least 3 weeks. I know this because when I picked up my new vehicle, he was still in it. Capital One sent my a loan contract with someone elses signature on it. I initiated a fraud report and I sent in all of the documents that they asked for. They still will not remove it because I wont send them a copy of my social security card. They dont have any proof of the validity of this debt. Ive been fighting with them for 60 days. I didnt know of the debt until recently when I was trying to purchase s home. Theyve reported it as a charge off monthly for the last 18 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
On XX/XX/2023 I looked at my Clarity credit report and found inquiries that I didnt authorize

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 2023-05-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay. It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I received a notice from Mr. Cooper stating that they would buy insurance on my behalf. 

I asked my insurance company to send proof of insurance, see below APPENDIX 1.

Mr. Cooper received, the email with attached dec page, but refuses to acknowledge the
insurance, see below APPENDIX 2. 

APPENDIX 1 Hello " Mr. Cooper '' ATTN : Loan XXXX, Please see the attached Declaration Page for XXXX XXXX 's currently inforce policy. In addition, we have attached the payment received on this policy to confirm that it is currently paid in full for the term of XX/XX/XXXX to XX/XX/XXXX. 

As XXXX XXXX states below, and we confirm he is correct, because payment was made during the grace period the coverage never lapsed. 

If you have further questions or additional information requests, please let us know by contacting us via : Phone : XXXX Fax : XXXX Email : XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Fax : XXXX APPENDIX XXXX From : XXXX To : " XXXX '' Sent XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX  XXXX Subject : XXXX XXXX Has Not Been Processed Thank you. This email is to inform you that we have reviewed the recently submitted document ( s ) and are unable to proceed with updating the policy information. 

Mr Cooper bought my mortgage from XXXX XXXX. I have had numerous issues with servicing. It took multiple attempts to set up direct pay through checking. I applied for bimonthly pay four times and made double payments to get ahead as instructed and they found spurious reasons to reject the application each time. I have threatened to complain and they don't care. This latest egregious example is an attempt to purchase insurance on my behalf for exhorbitant prices, even though as documented and submitted to them, my policy never lapsed. This company is egregious in its lack of service and attempts to use any means necessary to gouge their clients, who, I assume, did not want to be their clients in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: Avant Holding Company, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, while on vacation in NY, I noticed a charge on my Avant Credit Card for {$1400.00} from XXXX XXXX NY. I contacted Avant to report my card lost and notify them of the unauthorized charge. They credited my account and sent a replacement card. I thought everything was fine. 

On XX/XX/XXXX, I notice the charge had been re-applied. I was confused, because I thought this matter was complete. I called them and the rep was confused as well. I called back the following day and spoke with someone else, who told me a 'XXXX  XXXX had re-applied it because 'I was in the area ' and/or 'I took a few days to report it lost '. I reported it lost the moment I realized it. 1 called 3 more times over the next week, each time being promised I would get a call back from XXXX, which never happened. I was even promised a call back from the rep who was going to see XXXX the following day. No call was ever received. 

on XX/XX/XXXX, I receive an email from XXXX stating the bank now wants a Police Report, which is fine, however I can not file that online for the reason ( lost card/unauthorized charges ) with the XXXX. I am XXXX miles away as well. I replied back asking how to proceed, but again, I am receiving no replies as of XX/XX/XXXX. 

It seems they don't want to handle the situation properly and are making me regret ever doing business with these third rate credit card companies. 

It was my understanding that I am not responsible for charges made without my consent, but yet here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I deposited a check from my XXXX XXXX Account into my son 's Wells ' Fargo Account on XX/XX/XXXX.. ( I also have several Wells Fargo accounts and have been their customer for over 20 years-my son 's account and my Wells Fargo accounts are linked in Wells Fargo ). Wells Fargo put a 10 day hold on the deposit saying XXXX XXXX indicated they may not honor the check. 
I contacted XXXX XXXX and they said no such thing, in fact they released the funds to Wells Fargo the same day i made the deposit and they never indicated they were not honoring the check. Wells Fargo lied and i called them back on it and requested they put the money in my sons account immediately, since they had the funds. They would not do it. The funds did not show up until XX/XX/XXXX and now when i go into the my son 's account that deposit is dated XX/XX/XXXX, like they never put a hold on it. 
They held onto the {$3000.00} and used for their own purposes for 10 days. They had the money and they lied about why the hold was on the deposit. And now they are adding to it by back dating the deposit.

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 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXX online offers a service which I tried and it never worked. I cancelled it due to poor service and returned the equipment. They promise me full credit but instead sent me to collection agency for equipment charge and the poor service charge during the trial period. Every time I dispute it and tell them its invalid and to stop, they send to another debt collector. This has happened four times in last two years and they just dont stop harassing me, never provide debt validation, they just keep passing the debt along to another collector. Please have this stop as the debt is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
I was insured with XXXX for automobile insurance for 3 or so years and they all od a sudden decided to raise policy premium rates on me so I got a quote with XXXX XXXX XXXX who was much lower than theirs so I cancelled with XXXX insurance through XXXX courtesy cancellation option they have. I got the letter from XXXX saying my policy is cancelled and that I owed them XXXX dollars ( or else ) from them in a letter. I tried paying them through the XXXX application on my phone which had my card information stored on it but XXXX had blocked that function on their own application. 5 months in on a 6 month policy XXXX decides theyre going to raise rates on my asking for a nerly XXXX dollar increase on my policy for one month. I began to shop for cheaper insurance ( bare in my mind I had no tickets or accidents recently and still have no tickets ). I contacted XXXX XXXX and went through the whole process with an agent and then he said I will be sending you over to someone else who will be finalizing your policy. When I was turned over to her she said " you are no longer eligible for insurance with us XXXX reports you have multiple accidents and you have XXXX points on your DMV report through Florida ) then quickly hangs up on me. Since then I have had a very difficult time getting coverage with other auto insurance companies. I have received the reasons through mail that XXXX is inaccurately reporting to other companies and it is very inaccurate and exaggerated. Florida DMV information is protected information and can only be released if the owner of that information releases it. What XXXX is doing is illegal and very spiteful. They need a full investigation into their business practices and I need to have these XXXX fabricated inaccuracies removed from the consumer report and they need to be prosecuted for violating private information laws protected by the state of Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: FL

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

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 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Business Names : Allstate XXXX  Address : XXXX, IL XXXX Phone : ( XXXX ) XXXX and : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I had no knowledge of the alleged debt I owed until it hit my credit report. I disputed the charger and was working with Allstate only after hearing back from them about filing a XXXX  complaint. As soon as the XXXX  complaint closed I no longer received correspondence or a resolution to this debt. Prior to attempting to resolve the issue above, I was never notified until the arbitrary {$600.00} was on my credit report, dropping me XXXX points. 

Upon investigation, after the damage was done, I was no longer with Allstate Insurance when switching homeowners and was overcharged by Allstate for insurance when the account should have been canceled and closed when going to XXXX XXXX 
.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

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 2023-05-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name was reported incorrectly. I have several disputes open currently. I have credit accounts in my name that were obtained fraudulently and other things from checking my credit report on XXXX. Someone changed my last name to be reported by something I have never gone by and is associated with my biological grandfather 's last name. He passed away within the previous year and I am afraid someone is using my info or trying to obtain my information from multiple agencies.

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 2023-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX of IL stating that they are trying to collect a debt that belongs to the current creditor Crown Asset Management LLC. 

XXXX. There is no debt validation & verification showing that I am responsible for said debt. 

XXXX. Both XXXX XXXX XXXX XXXX XXXX of IL and Crown Asset Management LLC are not licensed in the state of Florida to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I get a notice from experian yesterday saying ther is a new address on my account which is a lie, I have lived at this address and this is the address they have had but its all retaliation

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 2023-05-19 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: VA

Complaint narrative:
My issue is I sent a verify information request to Experian XX/XX/XXXX of XXXX  about an account with lending point now they went and made updates and slight changes on that account. Now I have recently sent another dispute form and now theyre requesting all this information from me like utility bill government ID when it looks like made changes to the report without any of that information previously stated, and it was unauthorized, and without them even notifying Me so when Im in pursuant of a certain code, they want all this verification, but on XX/XX/XXXX they updated information with out, notifying me without verifying anything with me and it hurt my credit report as well and Im going to upload all supporting documents. It also seems one-sided and discriminatory that they are requesting certain items for me to send then when I am in pursuit of a certain FCRA law BUT WHEN I SENT IN MY DISPUTE LETTER IN XXXX, THEY CHANGED INFORMATION WITHOUT EVEN NOTIFYING ME all doc are provided

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 2023-05-19 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: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX,

Company response to consumer: Closed with explanation