vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This is a formal complaint that LVNV Funding has been reporting inaccurate and incomplete account information to my credit file. I am distressed that LVNV Funding have included the inaccurate information on my credit profile. LVNV Funding have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit information they report. This account has been paid in full and was told it would be deleted from the XXXX major credit bureaus it reports to. Therefore LVNV Funding should not be reflecting negative on my credit files. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ). Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Violations of 15 U.S.C 1692g Delete this from my report as it is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account XXXX : XXXX XXXX Account number : 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 2024-03-11 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: FL

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2024-03-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX 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 2024-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Thaxton Investment Corporation
State: IN

Complaint narrative:
I have XXXX old loans and have requested paid in full letters and they refuse to send and hung up on me 4 or 5 times already. Loan # XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I wired {$25000.00} from my checking account at Wells fargo to an account at XXXX XXXX on XX/XX/XXXX. There is a pull-down menu in my WF account of accounts I wire money to and from often and the XXXX XXXX account appeared there. I paid {$25.00} to have the money wired. It was wired to an account at XXXX that is not mine. I did not check the details in the pull down menu as I have used this feature many times and things have gone as requested. My XXXX account details in the pull-down wire menu were replaced by someone else 's details. 

After several days when the money did not appear in my account I called both XXXX and Wells to figure out where it is. XXXX can see it in someone else 's account but can't transfer it to mine or put a hold on it so the person can take it out at any time. I filed an case with Wells Fargo on the XXXX to recall the funds WELLS FARGO CASE NUMBER XXXX The case has gone into a black hole and no one can see any activity on it or ownership of doing anything. I filed a complaint with Wells Fargo on XX/XX/year> with XXXX XXXX in the complaints department. I was told I would receive email record of the complaint. I did not. The money has in the wrong XXXX account for XXXX business days and I have received ZERO communication from Wells Fargo. Nothing about the case, the complaint, the money. At Wells Fargo I have spoken to the wire transfers dept., the online claims dept., the accounts group, the complaints dept. and more. No one can tell me anything and my money is still sitting at risk in someone's XXXX savings account. Yes I should have double checked the receiving account details before I sent the wire but in any case Wells should have the ability to recall my funds and also give me ANY INFORMATION as to whether or not that is happening, who is handling it, when I can expect resolution, a SWIFT number... .anything. I believe that my $ XXXX will never be seen again.

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 2024-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE AUTO FINANCE fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). CAPITAL ONE AUTO FINANCE is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I was advertised for a preapproval application for capital one venture one card with a signup bonus of XXXX travel points if I spent XXXX dollars. I did the spending threshold about 3 months ago. Now they don't want to honor my offer. They gave a vague answer and no solution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
In accordance to The Fair Credit Reporting Act this creditor has violated my rights under USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2024-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MN

Complaint narrative:
I received a debt collection notice dated XX/XX/24 regarding apartments in texas for debt owed. I have never lived in Texas. I am a victim of Identity theft. THis debt is not mine. The company trying to collect is Procollect Incorporated. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX The account number is : 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 2024-03-11 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:
Credit Inquires on my credit report validate my rights as a federal consumer under 15 U.S. C 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
Credit Inquires on my credit report validate my rights as a federal consumer under 15 U.S. C 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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 have requested Mutiple times for credit report to be corrected. The companies are submitting their report filings to either delete or update a trade line and XXXX and TransUnion does not comply. All three reporting agencies report different and is not correct. 

Accts where I have resolved by paying off is not updated on XXXX or Transunion. 


XXXX XXXX- Resolved and reflect & {$0.00} balance on XXXX but not XXXX or TransUnion . 
XXXX XXXX- Received a letter from the creditor that is deleted from tradeline. 

There are accounts that reflects that have not been reported since XX/XX/year> XXXX XXXX- reflect incorrect balance reported on 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 2024-03-11 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:
Ive recently checked my credit report and noticed some inaccurate accounts reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-11 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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 explanation
Consumer complaint received 2024-03-11 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: NJ

Complaint narrative:
I have inquiries on my credit report that I did not apply for please help I also have negative info such as a late payment which is not accurate.

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 2024-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have my car financed thru Capital One. I was laid off and got way behind - about 2 months. Since XX/XX/XXXX, I have been making my full monthly payment either biweekly or recently, weekly. I have talked with Capital One at least 29 times over the last 5-6 months, telling them repeatedly to stop sending threatening emails & texts about repossessing my car. They continue to threaten and harass me. Today I received a text that stated Hi XXXX, this is Capital One about your auto loan ending in XXXX. You may qualify for a payment plan to avoid repossession. Call us at XXXX to discuss or pay the total due online. For disclosures, visit https : //capital.one/discl Msg & data rates may apply. Reply HELP for help or STOP to stop. I called. The woman told me there is no assistance or payment plans for me to avoid repossession. The reason why there are no payment plans is because I dont work- exactly who needs the payment plans the most. I called capital ones office of the president - a department I have spoken with before. This time I was told if I pay an extra {$130.00}, it would prevent further harassment. But I heard this before in XX/XX/XXXX. I paid an extra ~ {$84.00} but that did nothing. I recently changed my biweekly payment to a more manageable weekly payment. I guess they dont like that even if I am still paying my full monthly payment. They have been threatening repossession for over 6 months, even though Im paying the monthly and even though more than one Capital one employee has told me that as long as I continue making my full monthly payment, the car will not be repossessed. Actually, I think the repo calls are worse since I have been making the monthly payment. I have told Capital one that I start collecting XXXX XXXX in XX/XX/XXXX and I will start paying more then. So now, with my XXXX y/o daughter using the car & who works till after XXXX at night, I have to worry that shell leave work to find no car. And no way to get home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
Credit Inquires on my credit report validate my rights as a federal consumer under 15 U.S. C 1681b 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