vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion is reporting a late payment in XXXX of 2019. After disputing this, which was never late, Transunion stated that this information was verified by XXXX XXXX. However, XXXX XXXX verified to XXXX, which is attached, that I was NEVER late on payments to this account. A copy of this report is attached. I am very concerned that Transunion is continuing to report falsified verified information which is hindering and hurting my ability to acquire 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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
there are a couple of things being reported incorrectly : 1.My account is not being reported to XXXX  as it is to XXXX  and XXXX  2 . High Credit : {$430.00} is not being reported to all agencies 3. Date Opened : verification needed as different dates are being reported to all agencies 4. Date of Last Payment : is not being reported correctly, please verify 5. Credit Limit : {$400.00} is incorrect as there was a recent increase 6.Two-Year payment history is not being reporting correctly, as company agreed to delete late payment error, plus its showing 30 day late different per agencies ex : XXXX and/or XX/XX/XXXX different agencies are reporting different dates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Wells Fargo has my credit worse ( 34 ) late payments how did you do this. for years I have been trying for Wells Fargo to remove {$83.00} off of my credit report this was fraudulent Ive lost my eyesight and I became XXXX I was XXXX I had three XXXX XXXX my credit cards home was invaded and stolen from my home while nurses were taking care of me they use my credit cards fortunately that Wells Fargo was put on notice with a police report my home insurance report my attorney would you refuse to answer my attorney you are stating to give you information of the attorney but why would you ask now what it was on your records and you fail To respond to the attorney and Mr. XXXX from your company took information from me and Still in an affidavit indicating all which was stolen merchandise if the police report states that my credit card was fraudulently used and you were issued a police report this is unfair by your company and you To destroy my credit like this 30 for late payments you put on my credit report Im asking for the credit beer is this fair could this company do this to me. 

And indicated back to all of those reports on the fraudulent accounts please investigate the account that you set to XXXX XXXX XXXX XXXX, XXXX XXXX Please there are numerous accounts going to from my second home going to this address with notes indicated that you deposit thousands of dollars in my account that I have loss doing this fraudulent activities with your company this is horrible how you are messing up my credit for {$83.00} I am XXXX Im having a hard time and you are destroying my credit so facetiously again Again remove the 34 late payments and {$83.00} charge off you are destroying my history in my life : So is it 34 times late Or a charge ofF you destroying my credit you are destroying my credit 34 times late ridiculous

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 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
I never gave The CBE Group my direct consent to communicate with me. I received a petition for an alleged debt from them in the amount of {$3100.00}. They list the Internal Revenue Service as a Creditor. I never give out my private dwelling address. I was VERY disturbed when I received something in the mail from an unknown company that I have NEVER done business with. I called the company and I am in possession of the recording where representatives from The CBE Group had access to my private personal information including my social security number. When I responded to the mail they sent me I received one communication where they stated they did not have an account for me but then received two other letters where they stated they were returning an account they referred to " your account '' back to the Internal Revenue Service. It is VERY upsetting and stressful that my information is being transferred without my consent to people I man not giving my direct consent to. I have proof of all documents received from the company and my responses to them along with copies of electronic receipts and tracking numbers from the USPS. I also have two call recordings as well. My information has been breached. The CBE Group is also committing mail fraud by sending me nonmailable matters through the mail. I am sick of the deception and false and misleading communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Under the FCRA Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted and updated 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 explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
On XX/XX/2019 Transworld Systems added a derogatory mark on my credit report per XXXX XXXX. Upon, Further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Transworld Systems has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
there are a couple of things being reported incorrectly : 1.My account is not being reported to XXXX  as it is to TransUnion and XXXX  2 . High Credit : {$430.00} is not being reported to all agencies 3. Date Opened : verification needed as different dates are being reported to all agencies 4. Date of Last Payment : is not being reported correctly, please verify 5. Credit Limit : {$400.00} is incorrect as there was a recent increase 6.Two-Year payment history is not being reporting correctly, as company agreed to delete late payment error, plus its showing 30 day late different per agencies ex : XXXX and/or XX/XX/XXXX different agencies are reporting different dates

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
there are a couple of things being reported incorrectly : 1.My account is not being reported to XXXX  as it is to XXXX  and Equifax 2 . High Credit : {$430.00} is not being reported to all agencies 3. Date Opened : verification needed as different dates are being reported to all agencies 4. Date of Last Payment : is not being reported correctly, please verify 5. Credit Limit : {$400.00} is incorrect as there was a recent increase 6.Two-Year payment history is not being reporting correctly, as company agreed to delete late payment error, plus its showing 30 day late different per agencies ex : XXXX and/or XX/XX/XXXX different agencies are reporting different dates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
there are a couple of things being reported incorrectly : 1.My account is not being reported to Experian as it is to XXXX  and XXXX  2 . High Credit : {$430.00} is not being reported to all agencies 3. Date Opened : verification needed as different dates are being reported to all agencies 4. Date of Last Payment : is not being reported correctly, please verify 5. Credit Limit : {$400.00} is incorrect as there was a recent increase 6.Two-Year payment history is not being reporting correctly, as company agreed to delete late payment error, plus its showing 30 day late different per agencies ex : XXXX and/or XX/XX/XXXX different agencies are reporting different dates

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 2021-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion has been notorious in holding my credit hostage. 15 USC 1601 explains that grave responsibilities consumer reporting agencies have with consumers yet TransUnion seems to not abide be those rules. Federal law explains what should and what should not be on consumer reports yet every time I dispute an item it always comes back as accurate and complete. Even though federal law Pursuant to 15 USC 1681a ( 2 ) ( B ) says any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. TransUnion has taken it upon themselves to hold my credit hostage fraudulently. Pursuant to 18 usc 241 you and your counterparts are in violation of my rights under the constitution. 18 usc 8 clearly explains all indebtedness is obligation of the UNITED STATES. Yet you and your counterparts want to collude to keep me down and enslaved. The accounts need to be removed immediately or I will file suit and you will be charged.

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 2021-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: DE

Complaint narrative:
I have had a horrible experience with GM Financial which I need you to know about. My XXXX, a lifetime GM customer and current lessee of a XXXX XXXX, passed away last year on XXXX morning XX/XX/XXXX. On approximately XX/XX/XXXX, I reached out to inform your company of his passing and expressed my desire to arrange to keep Dads XXXX. In my letter dated XX/XX/XXXX, as requested, I provided XXXX XXXX XXXX as well as a letter with my contact information, requesting information on taking over the lease or purchasing the vehicle outright. Earlier this evening ( XX/XX/XXXX ) I heard loud exhaust in the front of my home and was horrified to see a tow truck hooking up to my XXXX vehicle. I ran outside in my socks and pleaded with the driver to allow me to remove some of my Dads belongings. I immediately called GM Financial to understand what was going on and spoke with XXXX XXXX XXXX XXXX in the reinstatement department. XXXX began by telling me the vehicle was past due and that GM hadnt received the proper paperwork to communicate with me. I explained to her the situation and she confirmed she received the letter. It defies all logic that a simple call or email wasnt delivered to inform me of the required documentation. XXXX was unreasonable, lacked empathy and shredded the GM brand with her dismissive and condescending attitude. She chastised me for not delivering the proper paperwork or making payments I would have happily made payments if an invoice was provided. I am sickened by the way this was handled. I have a $ XXXX XXXX in my driveway I dont even want to look at. My father served our country during the XXXX XXXX in the XXXX XXXX and always preached to us kids to buy XXXX. He was proud to drive GM vehicles his whole life which makes this experience feel like a harsh betrayal. I can not understand why GM would deny us the opportunity to arrange to keep the vehicle and instead, opted to cause me the traumatic experience of watching my Dads vehicle being towed away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
there is various lines not being reported correctly, there are various lines reporting the wrong information. All agencies should be reporting the same information : Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Secured credit card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$290.00} {$290.00} {$290.00} No. of Months ( terms ) : 0 0 0 High Credit : {$460.00} {$460.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Secured credit card Amount in XXXX column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ACCT HISTORY is not reporting correctly

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Under the FCRA Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted and updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
On XX/XX/2020 LVNV Funding LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, Further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA LVNV Funding LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
there is various lines not being reported correctly, there are various lines reporting the wrong information. All agencies should be reporting the same information : Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Secured credit card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$290.00} {$290.00} {$290.00} No. of Months ( terms ) : 0 0 0 High Credit : {$460.00} {$460.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Secured credit card Amount in XXXX column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ACCT HISTORY is not reporting correctly

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
there is various lines not being reported correctly, there are various lines reporting the wrong information. All agencies should be reporting the same information : Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Secured credit card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$290.00} {$290.00} {$290.00} No. of Months ( terms ) : 0 0 0 High Credit : {$460.00} {$460.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Secured credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ACCT HISTORY is not reporting correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
there is various lines not being reported correctly, there are various lines reporting the wrong information. All agencies should be reporting the same information : Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Secured credit card XXXX XXXX : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$290.00} {$290.00} {$290.00} No. of Months ( terms ) : 0 0 0 High Credit : {$460.00} {$460.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Secured credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ACCT HISTORY is not reporting correctly

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