vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
I previously demanded CREDIT CORP SOLUTIONS , INC. to remove this adverse account thats fraudulently has been reporting on my consumer report and causing me damage for the last three years. They refused my demand and fails to produce the original contract between me and the original creditor. Instead CREDIT CORP SOLUTIONS , INC. sent me a dispute response with XXXX XXXX agreements that I dont recognize and language stating that the debt is valid but did not provide me with any wet ink signatures on the original contract which shows to me that they are not the original creditor nor can validate that I owe this debt. I received a zero balance bill on XX/XX/2022 there is no reason why this company should be harassing me and causing my report and my family damages. Charge offs are not to be included in the consumer report due to the fact that a charge off is considered an Income account and income is not to be included in the Consumer report per the IRS. CREDIT COPR SOLUTIONS , INC. Is fraudulently accessing my personal information with the aid of XXXX XXXX XXXX and I demand it to stop. REMOVE ALL THIS FRAUD OFF MY REPORT OR EXPECT A PRE-ARBITRATION LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I enrolled my debt with XXXX XXXX XXXX. They enrolled my mower with Scheffield financial into my debt program. It was a secure loan. They didn't double check before adding this to my profile. I didn't know what secure meant. I could not log into my profile for the first month. My cell phone number was not even added correctly in my profile so there was no communication on either end. I did a they told me to and unenrolled my auto pay accounts. Stop paying creditors and cobble l block phone numbers. Scheffield came and repossessed my mower after missing my second payment. I tried to explain my debt consolidation to them. They said because I did not communicate with them they would not work with me to get my mower back and catch up on payment. Forth debt company initially told me I would be better off discharging my debt from the debt program ... and taking a loss! Then they wanted me to send a large payment to them to be able to negotiate my mower with scheffield without even knowing if I would get it back from the auction it was going to in another state! So I was left with a repossessed mower that i use for my buisness and a debt company who did not double check my profile before signing me up. So I trashed my credit in belief I would come out on better standing. I lost my main piece of equipment for my buisness. And I was left with no help or justice. Just negative remarks. How can I still save my credit after all this and take repossession off my account?

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 2024-02-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
HAD A MOBILE WITH XXXX  ON AUTO PAY. XXXX SAID ACCOIUNT WAS CLOSED AND GAVE ME A CREDIT FOR {$59.00} XXXX XXXX SAID I STILL IT AND HIRED XXXX TO COLLECT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-02-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2024 the non penalty CD that I had with city bank matured. XXXX XXXX who was responsible for my account as a gold member was supposed to call me to discuss where did I want to move the money. I didnt get a call from him and on XX/XX/2024 I went to the bank to move the money to my current saving account, when the bank told me that it was too late to make changes. The maturity date was on XX/XX/2024 and somehow they decided to move the CD to another account and lock it in for another year. None of this was communicated to me!! No phone call was made or email sent to let me know that the maturity date has been reduced from 7 days to 5 days. I have never experienced so much of miscommunication and failure to relive the issue with out paying penalties. I want to file a complaint against the branch manage and XXXX XXXX and city bank cooperate.

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 2024-02-27 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I started looking to purchase a vehicle back in XX/XX/2024, while I was browsing the inventory, the dealership ( XXXX ) asked me to provide my information, such as social security and address, I intended to purchase a vehicle, and that's why I provided it. They assured me that my credit would not be pulled before we found a suitable vehicle. 
We found a vehicle on XX/XX/2024 and I wanted to go with XXXX XXXX that's why I asked to go only with the XXXX XXXX XXXX, that's the only inquiry that is valid on my report. The vehicle was defective and we ended up returning it the next day. 
Two weeks later I saw XXXX hard inquiries on my account for an auto loan, which I did not allow them to do. 

Hard inquiries : XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I started looking to purchase a vehicle back in XX/XX/2024, while I was browsing the inventory, the dealership ( XXXX ) asked me to provide my information, such as social security and address, I intended to purchase a vehicle, and that's why I provided it. They assured me that my credit would not be pulled before we found a suitable vehicle. 
We found a vehicle on XX/XX/2024 and I wanted to go with XXXX XXXX that's why I asked to go only with the XXXX XXXX XXXX, that's the only inquiry that is valid on my report. The vehicle was defective and we ended up returning it the next day. 
XXXX weeks later I saw XXXX hard inquiries on my account for an auto loan, which I did not allow them to do. 

Hard inquiries : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX Account NumberXXXXXXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account NumberXXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number:XXXX  Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account NumberXXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number:XXXX  Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number:XXXX  Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account NumberXXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I applied for a Capital One credit card to rebuild my credit as it helps with rebuilding credit. I have applied several times and I have been denied multiple times citing a previous account that was compromised due to identity theft. I was approved for a Capital One Savor XXXX card. Upon receiving and attempting to activate my new account, I was told that my new account was closed for the same reason for my previous denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: KS

Complaint narrative:
I've recently learned that I have been a victim of identity theft. Most of the information furnished on my consumer report results from fraud. I've attached a letter currently en route to Transunion 's mailing address. I'm submitting this complaint because I do not know when they will receive my mail, and I want to correct the fraudulent consumer report and prevent further fraud immediately.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
On XX/XX/23 a check for {$3000.00} was sent to Mr. Cooper to increase the amount in the escrow account of our home loan. The check was cashed by Mr. Cooper and cleared our bank on XX/XX/23. This payment has not been reflected on any statement we have access and we have called/online messaged twice to try and obtain proof that {$3000.00} was credited to our escrow account with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: MA

Complaint narrative:
I disputed the debt with all 3 credit bureaus on XX/XX/XXXX and again through XXXX XXXX on XX/XX/XXXX - all results were in and the debt collection was removed from my Credit Report because I paid off the amount on XX/XX/XXXX and balance was on XXXX. On XX/XX/XXXX the collector put a claim on my report that I owe the amount of {$160.00} to which I had already paid on XX/XX/XXXX. I have supporting documents of the debt being paid off and the collector reporting this yet again after the dispute results were in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, XXXX  BALANCE {$0.00} ACCOUNT TYPE Credit Card CREDIT LIMIT {$200.00} HIGHEST BALANCE {$140.00} RESPONSIBILITY Individual ACCOUNT DISPUTED Never open account. ID Theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, XXXX  BALANCE {$0.00} ACCOUNT TYPE Credit Card CREDIT LIMIT {$200.00} HIGHEST BALANCE {$140.00} RESPONSIBILITY Individual ACCOUNT DISPUTED Never open account. ID Theft

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 2024-02-27 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX Account NumberXXXX  Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account NumberXXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account NumberXXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account NumberXXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number:XXXX  Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number:XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account NumberXXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account.

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 2024-02-27 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2024-02-27 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Regarding open log-in my Coinbase. 

I still can not open my account to log in to Coinbase. They asked to change my ID was suddenly changed in 2018, but I am still unable to log in and access my account. I have also changed my telephone number after 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I received a card I didnt order I immediately called the bank and reported it never activated card and according to the bank it was not used. I asked them to close it because I never ordered it and remove it from my credit but they wouldnt and argued with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: MO

Complaint narrative:
I didn't initiate these investigations, and I don't have any connections with the creditors mentioned. Please remove them from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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