vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize these inquiries on my report. I called in to the bureau asking them to remove them and they informed me that they needed me to complete an FTC report in order for them to do so. I have went ahead and did that. Please remove these Inquiries from my report as they are not mine. The Inquiries that need to be removed include 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 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 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 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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-23 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: VA

Complaint narrative:
I called Capital One to close my account due to their horrific handling of my lost card ( see previous complaint ). Prior to closing the account the agent let me know that I had {$89.00} ( est ) in rewards available and asked how I would want those. I advised I wanted a written check for the rewards. He said ok, but that the rewards department would have to issue that after he finished closing the account. He finished closing the account, cold transferred me into the call queue for the Rewards Department. The lady in rewards said she could NOT send me a check since the account was closed. He lied. They are refusing to send me my earned monies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had 2 capital one credit cards in XXXX or about then. In XXXX I lost my housing, and capital one continued to send my statements to my previous housing and then defaulted statements to a family members home that was previously listed on my credit report although I was unhoused and living in my car. Someone, I'm not sure whom, made multiple fraudulent charges on my two accounts, many online purchases. Eventually the accounts were closed for non-payment by this person ( s ). One account was sold to XXXX XXXX XXXX and one stayed in house with capital one. I contacted capital one about both accounts multiple times once I was on my feet about the fraud and their negligence. I contested at the credit bureaus. Capital one sent me statements to tell which were fraud transactions, but I have told them multiple times I don't know because it was so long ago. Capital One supposedly " investigated '' and closed the investigation with no adjustments or even any communication to me since. I have the statements and many are in places that I never went. It's obvious there is fraud. Their Reps state they don't have access to old accounts but it's listed in my accounts on their app still.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-23 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XX/XX/2024 XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX . 
XX/XX/2024 Closed Company responded ==================================== I RECEIVED THE INCORRECT INFORMATION FROM THE ALLEGED THIRD-PARTY COLLECTION COMPANY. 

I ASKED FOR INFORMATION REGARDING FUSION AND YOU SENT STORAGE COMPANY INFORMATION. 

SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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:
Information such as social security number and address that does not belong to me is being reported on my credit reports monthly. I have tried disputing online as well as calling XXXX, XXXX, XXXX and Transunion. I am not able to pull my report accurately due to the discrepancies that are reporting inaccurately.

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 2024-02-23 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:
Information such as social security number and address that does not belong to me is being reported on my credit reports monthly. I have tried disputing online as well as calling Experian, XXXX, XXXX and XXXX. I am not able to pull my report accurately due to the discrepancies that are reporting inaccurately.

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 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Foris DAX, Inc.
State: NY

Complaint narrative:
Crypto.com is holding $ XXXX in money I have deposited, with no way for me to get it out of their platform. The debit card they assigned me doesnt work, every withdrawal I try to make leads me to an error in their app. Their customer services is completely unable or unwilling to help. It is an endless loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Yes I have previously filed a complaint with this company stated they reinserted XXXX XXXX that was removed from my credit report. This was XXXX XXXX. They assured me that wasn't the case. However upon pulling my credit report they did re-insert XXXX XXXX account. Without written notification. This is a FCRA violation and my attorneys will be collecting for all violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX I have wired {$40000.00} to an XXXX XXXX business account in a branch in California to fund an account located on a trading app downloaded from XXXX XXXX. After doing all my due diligencies I thought the company XXXX ( a trading app specialized in stocks and cryptocurrency trading ) was legit business. However, after almost 2 months trading on the app, when I tried to withdraw my money on XX/XX/XXXX, the company shutdown my account completely and I have never been able to recover my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
On XX/XX/2024 I woke up the vehicle gone. I called Nissan and they had informed me that the car had been repossessed. They stated that I owed them {$2200.00} to obtain the vehicle. I let them know that I would be signing over and power of attorney letter to my sister as I am in XXXX. On XX/XX/XXXX I called to make sure that the letter had been submitted and reviewed so that my sister can obtain the car on my behalf and I double checked the amount due they stated once again it was XXXX. The next day I receive a letter from XXXX in which they are charging me {$2200.00} with a towing fee of {$450.00}. I called them and had one of their representatives yell at me because I was simply trying to understand why it had gone up so much and why they were charging me for the tow. I asked to speak to a manager and the manager was very kind, I explained to them that I dont believe I should pay the towing fee because we live in a gated private property community. The tow company illegally entered the property and the property owner was never contacted. I also called the XXXX police station, and they advise that no one was contacted to enter, and it is against the law for them to even interfere as its a private tow. XXXX said that they would try to resolve this issue and see what they could do. I had my sister contact them, yesterday which is XX/XX/XXXX and they denied being able to give her any information. I submitted a power of attorney letter on the XXXX and the letter still has not been reviewed or even approved. They failed to give me the correct amount owed in which Ive called them twice. I called them myself after they refused any information to my sister and they stated they would not waive the towing fee regardless if the tow was done illegally. They themselves admitted to tow being done illegally. However, they stated it our vehicle that is unprofessional and absolutely embarrassing. That as a finance company they are not informed of the law and My rights as a consumer. Our entire community has multiple signs that state it is a private property. I have arranged for some of my neighbors to obtain footage of them entering the community illegally. Nissan believes that they are in every right to obtain the vehicle. in which they are, however, there are laws rules, and regulations that everyone needs to follow. The tow company they hired has completely violated the breach of peace law. Nissan needs to fix this since they subcontracted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: VA

Complaint narrative:
On XX/XX/year> I contacted Total Visa Credit to inquire why they were reporting to the credit agencies that the account was delinquent when it was closed. The supervisor went in and saw that the account request was submitted but the process internally had not been completed. He advised that he would make the necessary changes and I would not have any further issues. 
On approximately XXXX XXXX I received a notification from my credit monitoring service that Total Visa had reported the account which I was assure was closed 30 days delinquent. I contacted Total Visa and they said that the process was not completed again and they were going to take steps to correct their error. based upon past experiences with this company I am not confident that this will occur. 
I want the account closed and the erroneous reporting to the 3 agencies corrected retroactively to properly reflect my status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
Note : I don't know if what they did/are doing is illegal or not, but you didn't give me any other options that were more accurate. What they are doing is, however, certainly an unfair business practice. They also never informed me that they would do it. 

I appreciated and still appreciate the money XXXX loaned me. It was a big help. 
And I am NOT complaining about their predatory interest rates ( like 84 % : By the time I pay off the loan in 5 years from the disbursement date, I will have paid more in interest alone than the total amount I borrowed. But still, I'm NOT complaining about that. ) Last year in XXXX, I was temporarily unable to afford the payments. I called, and a CSR established a " temporary payment relief assistance plan '' with me over the phone : For 5 months, they would automatically debit my checking account via my bank debit card for {$50.00}. ( 100 % of each of those payments went to interest. But the majority of each regular payment also goes to interest anyway. ) Then I would resume the regular monthly payments of {$200.00}. 

All of the smaller temporary payments were covered, and I resumed the regular payments on time every month. 

Here is my complaint : Ever since this temporary payment relief plan was made, XXXX has been reporting my account to the credit bureaus as " Past Due '' and sending automated emails dunning me to " pay your past due amount. '' But according to the arrangement they made with me, my account is NOT past due, nor SHOULD it be. 

I called them two or three times. They refuse to stop the automated emails, which is not a big problem since I simply ignore and delete them anyway. However, they lied and said they had not reported anything to the credit buteaus. 

They are negatively affecting my credit report and damaging my credit : When anyone with access authorized looks at my report, it shows " 5 late payments '' even though I typically never pay any of my bills lateall 5 are XXXX but no other creditor. And my payments have never been late. By " late '' payments, they are referring only to the five payments deferred for the smaller payments arranged during the temporary relief plan. And those smaller payments arranged were obviously NOT late since they were automatically debiting my bank card every month. 

Moreover, NOBODY at XXXX EVER disclosed to me, NOT even over the phone, let alone in writing, that my agreeing to the temporary payment relief plan would cause them to consider my payments as " late '' or my account as " past due. '' This is clearly an unfair business practice!

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 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I sent a certified letter with documentation forms to LVNV Funding LLC on XX/XX/XXXX LVNV funding company signed the certified letter that they received it but didnt follow guidelines thats was on the documents that was send to them. They didnt filled out the documentation and send it back to me. Instead they just send a collection letter with attach this isnt proof debt on my behalf The documentation that I send to LVNV Funding needs to be filled out within 30 days and send back to me they fail to do that. So I will need this balance of XXXX remove off all 3 credit reports And also this balance is incorrect as well that XXXX XXXX is trying to collect i called XXXX XXXX and this closed this account in XX/XX/XXXX they still falsely was reporting to XXXX the statements that was send from XXXX XXXX XXXX XXXX  are incorrect dates and balance I will attach my letter that was send to LVNV funding and other attach for proof. And XXXX XXXX statute Law of limitations on debt is four years for unsecured loans, oral contracts, open-end accounts, revolving credit, promissory notes, and written contracts such as credit cards, medical bills, personal loans, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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 did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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