vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-25 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: EQUIFAX, INC.
State: MI

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 2024-03-25 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: GA

Complaint narrative:
XXXX XXXXXXXX is selling deceptive information to Transunion and XXXX to damage my consumer report. Under FCRA each company is required to send me a notice to dispute this information before it was added to my consumer report. This means this debt could not have been properly validated because I received no information from either company to dispute this debt before it was added to my consumer report. XXXX XXXX did not receive any authorization from any court to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: FL

Complaint narrative:
Dispute of Erroneous Credit Report Entry Due to Alarm Contract Transfer I am writing to address a significant issue that has recently come to my attention regarding my credit report. Approximately seven years ago, I sold my property and, as part of that process, legally transferred the associated alarm service contract to the new homeowner. Please find the attached document which clearly outlines the terms of this contract transfer. 

Despite this, I have been informed that a collection agency has reported an alleged debt related to this alarm service to XXXX as if it were a recent default. This action is not only incorrect but also highly damaging to my credit standing. It appears to be a clear case of double-dipping, attempting to charge me for a service that I have not used since the sale of the house, while presumably also collecting from the current owner under the transferred contract.

This situation seems to be a severe error with potentially illegal implications, given that the debt is both outdated and invalid. The reporting of this as a recent default is misleading and unjust, significantly impacting my credit score and financial reputation.

I am currently residing outside of the USA, and it is distressing to learn that my credit report is being negatively affected by an issue that was resolved years ago. I request immediate action to investigate and rectify this matter. The collection agency 's claim is baseless and should be removed from my credit report to reflect the true status of the account accurately. 

I am prepared to provide further documentation or engage in a discussion to clarify any misunderstandings. However, I expect prompt correction of this error to prevent any further unwarranted damage to my credit and personal reputation. 

Thank you for your immediate attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
on or about XXXX of XXXX  i sent request for either a copy or the original of the contract that states i have a debt to capital one auto finance, they replied that they do not have the original contract, so i sent back a cease and desist to capital one auto finance in regards to collecting payment on the account that they can not provide me the contract on. once i sent the cease and desist i had to file identity theft on capital one for having a " contract '' with me that they could not provide proof of. 4 months after i filed identity theft capital one auto finance had my vehicle ( my residence ) repossessed, then ried to force me to pay an additiional $ XXXX to obtain legal rights to my vehicle again that i already paid over $ XXXX on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I don't recall having a contractual relationship with this collection company LVNV FUNDING. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I find some inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
In mid XX/XX/XXXX, I tried to make a routine wire transfer ( 4x yearly of XXXX XXXX the account balance for the past 3+ years ) to an overseas account, also in my name. Discoverbank changed the wire process midway through my transaction. They called me and asked me in real-time to click on a random link in a text message from an unverified phone number and upload images of my SS card, drivers license, passport, and birth certificate. Some of these items are not easily accessible, but more alarming was the fear that I might not be speaking to a Discoverbank representative at all, after having already provided similar identity information ( last 4 social, mother 's maiden name, birth date, phone number, voice recognition, etc ). I declined to click on the link, explaining that I was uncomfortable doing so and that I would call back at a number that I knew. When I did so, Discoverbank confirmed that this was indeed the new wire process. The new verification process was not disclosed in any documentation or the official wire request form, which I noted during that call. I became upset at the distress this caused me and the idea that Discoverbank might be training consumers to be future victims of identity theft ( by normalizing requests to provide sensitive documents to a caller ). Why wasn't this handled through their secure portal like all other documentation? I lost faith that Discoverbank has good practices in place. I told the representative that I wanted to cancel the wire because I was taking my business to a different bank. The Discoverbank wires team promptly retaliated by freezing my bank account and my credit card. I did not discover the full extent of this until my bills went unpaid and I phoned back. My bank account, which was opened in XXXX ( credit card account in XXXX ), remains frozen at the end of XX/XX/XXXX. I have not been told if a XXXX was filed, I have no debt judgements against me, and I do not suspect identity theft. I have received no alerts or communications from Discoverbank regarding this matter. I have asked for, but not been provided, clear instructions on how to resolve the issue. And my request to close my bank account has been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hi, Thanks for your help with this issue. 
We sent a wire transfer from bank of america to XXXX on XX/XX/XXXX for {$80000.00}. 
The amount was debited from our account and the wire was never sent nor was a reason for rejection or delay provided. 
As of XX/XX/XXXX, we have reached out to BOA representatives numerous times and they are not able to locate the payment and have not credited our account. 
Due to this we are not able to do payroll for over 25 XXXX. 

We need your help with resolving this issue please. 

Thanks.

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 2024-03-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
A Vanilla visa gift was purchased for me by a friend on XXXX XXXX in the amount of {$130.00} at XXXX, XXXX XXXX XXXX, XXXX, Ma. I tried to use the card at a XXXX XXXX XXXXXXXX and it was rejected. I checked into the card on the Vanilla website and found that someone had made 2 purchases at a XXXX in Tennessee on XXXX XXXX. I did not make these purchases. On XX/XX/XXXX I contacted Vanillagiftcard.com to report these unauthorized transactions, and I received a confirmation that my packet had been received and forwarded to their dispute resolution team. I was assigned a ticket case number, XXXX. On XX/XX/XXXX I was asked to submit the copy of the front and back of the card, and the receipt, which i sent on XX/XX/XXXX. I did not hear from them so I called on XX/XX/XXXX, and a representative from Vanilla told me that in my file, the company had requested a replacement card on XX/XX/XXXX. XXXX, the gentleman representative, could not get a resolution at this time but assured me that the case was on tracker and that I must call back in 48 hours for a resolution. I began calling on XX/XX/XXXX. After waiting 20 minutes on hold I would either be disconnected before connecting with a human, or once I connected with a human and gave my case number, I would immediately be disconnected. At this point, I concluded that Vanilla was not going to resolve my problem and issue another card, due to these unauthorized transactions. I then sent a complaint to the Attorney General, and they referred me to Consumer Financial Protection Bureau. I am hoping that you can help me with this case. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-03-25 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolios Recovery is selling deceptive information to XXXX and XXXX to damage my consumer report. Under FCRA each company is required to send me a notice to dispute this information before it was added to my consumer report. This means this debt could not have been properly validated because I received no information from either company to dispute this debt before it was added to my consumer report. Portfolio Recovery did not receive any authorization from any court to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  XXXX is selling deceptive information to XXXX and Experian to damage my consumer report. Under FCRA each company is required to send me a notice to dispute this information before it was added to my consumer report. This means this debt could not have been properly validated because I received no information from either company to dispute this debt before it was added to my consumer report. XXXX XXXX did not receive any authorization from any court to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: EQUIFAX, INC.
State: TX

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 2024-03-25 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: TX

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 non-monetary relief
Consumer complaint received 2024-03-25 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: Experian Information Solutions Inc.
State: TX

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 non-monetary relief
Consumer complaint received 2024-03-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I had a credit card debt and paid it off almost 3 years ago. I keep reporting it to the credit agencies who keep telling me they are going to remove it and they never do.

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 2024-03-25 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: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-03-25 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation