vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
i lease a 2017  XXXX XXXX ; the lease time was up. I turn the car back in to GM Financials services as I was told to. They gave me papers showing that everything was alright and that I owed nothing. 
I recently received my credit report and noticed that GM Financial is stating that I owe {$2200.00}. 
When I turned the car back in I was given papers of inspection that everything was alright now they are stating that I owe {$2200.00}. This is wrong I do not owe them anything. This should be taken off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: GA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: GA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: IL

Complaint narrative:
Failure to produce a contract or agreement between me and the debt collection company state that I agreed to pay this debt to the debt collection company. Failure to produce proof of the legal right to collect on this debt and the legal obligation that I owe the debt collection 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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The moment I received the duplicate of my report that I purchased with XXXX dated XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF, COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX INQUIRIES : XXXXXXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX Inquiry Date 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 explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX ALLY Financial paying XXXX monthly I would like my personal information protected 15 USC Code. 2a Consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged, identityTheft, Not Later than 4 business days after the date receipt. It has been 30 days and they are violation of the law because I am a victim of identityTheft!! PLEASE Delete These item

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
XXXX XXXX XXXX allowed someone to open a cell phone account in my name some time in XXXX without verifying my identity. This person apparently didn't pay the bill and the account went to collections. I noticed this collections account when it appeared on my credit report in XX/XX/XXXX. I immediately disputed the fraudulent account with XXXX XXXX XXXX, as well as their collection agency Sunrise Collection Services. I was told that the address used to open this account is over 50 miles from where I live, and I have never been associated with that area in any way. I have never used the phone number assigned to this account in any way. Doing a XXXX search for the phone number on this XXXX XXXX XXXX account brings up a person who lives near the location where the account was supposedly opened. Yet XXXX XXXX XXXX can't be bothered to do an investigation, they insist that the burden of investigating this matter rests solely on me ( the victim ). Other than a broken website, some automated bots, and a very limited call center representative, there are no good methods of pressing this matter any further with XXXX XXXX XXXX, so I will be filing as many complaints as I can and publicizing their incompetence as much as possible until I get their attention or give up and file a lawsuit. 

I filled out the paperwork they sent me to dispute the collection, I filed a police report as instructed, I sent my ID and other proof of my identity, yet my dispute was immediately denied because I was not able to immediately receive a copy of the police report ( XXXX ) while it remains " open and under investigation ''. At this point, I have tried disputing with the credit bureaus, disputing with the collection agency, and disputing with XXXX XXXX XXXX. None of which have been helpful or productive. The next step is a lawsuit. The financial damages caused to me by the negligence of XXXX XXXX XXXX are adding up quickly. XXXX XXXX XXXX you are fully responsible for allowing someone to open credit accounts in my name without verifying my identity and I will not rest until you are held accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Call logs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I did contact CapitalOne Auto finance department to make payment arrangements on the auto loan to get any past due balances caught up. They stopped for two weeks and emails continued. Payment arrangements are being upheld to make sure auto loan is being paid up to current. These calls need to stop. 

Also emails have been sent consistently every day about my auto loan past due.
Contacted them on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The moment I received the duplicate of my report that I purchased with XXXX  dated XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF, COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my XXXX XXXX, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX  .

Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX Inquiry Date 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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The moment I received the duplicate of my report that I purchased with MyFreeScore dated XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF, COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXXXXXX XXXX

Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX  Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: CA

Complaint narrative:
On XX/XX/XXXX I sent XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) in regard to a XXXX Late Payment notifying them their records were incorrect and asked them to remove the negative reporting from my credit accounts. I sent them proof of payment from my bank and to date they have still not removed the negative mark on my account despite my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: Collection Management Holdings, LLC
State: VA

Complaint narrative:
Credit Management Co. is a collections agency who handles a medical debt of mine that is currently in collections status. This agency has bad practices and is continuously reporting this debt/collection as a new account every month, even though they have been in possession of the account for years. This re-aging and re-reporting the old debt as a new collections, is leading to a new negative item showing up on my credit report every month with this agency. Not only is this unfair to me as an individual working hard to repair my credit and climb out of debt, it is unethical because the information is simply not true. 

As of XX/XX/2023, Credit Management Co. has reported my medical debt as new to the credit reporting agencies and shows an account age as 1 month. Again, this is untrue since they have possessed the account for years. My medical debt amount is {$1500.00} which is correct. Ive contacted the agency to no avail, as the representative tell me that all information reported is accurate although this is untrue. 

I am asking for an investigation and any penalization and disciplinary action to be taken against this agency, to ensure that others arent made to encounter what I am dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I spoke with several representatives on XX/XX/XXXX regarding my credit card because they recognized possible fraud on my card. They blocked my card and sent out a new card. In the interim, the male rep also informed me that he would me emailing me a card that I could use right away that could be added to my digital wallet. He asked me if I was familiar with that and I told him that I wasnt very skilled but that I would figure it out because my vehicle was being repaired and I needed access to my credit card ASAP. Later that day when I tried to add the digital card to my digital wallet, it wouldnt work and I had to call back and I spoke with a femal rep and I remember her name because it is same as my daughter, XXXX. Their phones were so busy that it gave me the options to call me back when a rep became available and I took that option. The call came in at XXXX XXXX, PST and I explained to her that I was having problems adding the card to my digital wallet. She began troubleshooting and the total call duration was XXXX minutes and XXXX seconds. After some considerable amount of holding and troubleshooting, she was able to get the card added to my XXXX wallet. I also asked her if my mechanic wouldn't accept the XXXX wallet, would I be able to go into a local Navy FCU branch and do a cash advance and if so, would there be a fee involved. She said that she wasn't sure, and she placed me on hold. She returned to the call and told me that there would not be a fee involved and our call concluded. I went into the branch on Saturday, XX/XX/XXXX and I did a cash advance because my mechanic did not accept the XXXX wallet and I ran into multiple issues at the branch. I ended up leaving the first branch because they weren't telling me what I had discussed with the rep the night before even though I had asked for the branch manager. I went to a second location and finally got the cash advance so I could get my vehicle from the repair shop. Today is, Friday, XX/XX/XXXX, and I logged into the Navy FCU app, and I noticed an interest fee in the amount of {$50.00} so I called, and they advised me that it was for the cash advance, and I was obviously not pleased. I spoke with a supervisor, and she said that another supervisor named XXXX said that she listened to a call on XX/XX/XXXX ( that never took place for the record ) and that I was never told anything about a cash advance fee and of course not because that is not when the call happened. It is so sad that Navy FCU is documenting such outrageous lies to cover up for the fees that they are charging me after the fact. Please investigate this travesty so that banks stop this kind of illegal behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

16 U.S.C 1681 section 604 A Section 2 : of also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation