vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX sent me a discharge of lien on XX/XX/year>. The paper work clearly says the security interest on the vehicle has been terminated making the vehicle mine. Then they went and garnished my wages in XXXX of 2024. 
I can not get the garnishment stopped with out hiring a lawyer and I cant afford to do that at this time. 
Over 4 years ago they were told to come get the vehicle in question, but they never did. The vehicle has not even been registered in over 4 years because it will not pass NY State inspection. Purchase price was only {$6000.00} but went way up over {$13000.00} I have sent copies of the discharge of lien to several people hoping for help and nobody seems to care.

It is Junk and not worth anything. The value is under {$2000.00}

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX sent me a discharge of lien on XX/XX/year>. The paper work clearly says the security interest on the vehicle has been terminated making the vehicle mine. Then they went and garnished my wages in XXXX of 2024. 
I can not get the garnishment stopped with out hiring a lawyer and I cant afford to do that at this time. 
Over 4 years ago they were told to come get the vehicle in question, but they never did. The vehicle has not even been registered in over 4 years because it will not pass NY State inspection. Purchase price was only {$6000.00} but went way up over {$13000.00} I have sent copies of the discharge of lien to several people hoping for help and nobody seems to care. 
It is Junk and not worth anything. The value is under {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: PA

Complaint narrative:
This afternoon, I was stunned to find inaccurate accounts listed on my credit report, and I cant understand why they appeared. I regularly monitor my credit, but this time there were unexpected errors. I even tried refreshing my browser, hoping it was a simple glitch, but the incorrect accounts remained. Im requesting that my documents are carefully reviewed so I can avoid this stress in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: SC

Complaint narrative:
i am a victim of XXXX XXXX. per the law these accounts should be blocked and or removed within XXXX business days. i have supplied proof of address identification, and proof of ssn.

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 2024-10-28 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report in notice I had fraudulent account on my report please removed this account from my report it's hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-10-28 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
On XX/XX/year>, I noticed that XXXX XXXXXXXX XXXX - account number XXXX was reinserted into my XXXX credit report without my knowledge or consent. This action violates the FCRA Section 611 ( B ), which outlines specific requirements for reinvesting previously deleted information.

Certification of accuracy of information : The FCRA mandates that any information deleted from a consumers file pursuant to subparagraph ( A ) may not be reinserted by the consumer reporting agency unless the furnisher certifies that the information is complete and accurate. In this case, there was no certification provided by XXXX XXXX  XXXX regarding the accuracy of the reinserted information. 

( ii ) Notice to consumer : Furthermore, the FCRA stipulated that if any information deleted from a consumers file is reinserted, the consumer reporting agency musty notify the consumer in writing not later than XXXX business days after the reinsertion. I did not receive any written notification from XXXX regarding the reinsertion of the XXXX XXXX XXXXXXXX account number : XXXX into my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PROVIDENT FINANCIAL SERVICES, INC.
State: FL

Complaint narrative:
After weeks of attempts, I was finally able to access my business accounts. Within days access was no longer available, again. Phone calls are disconnected and voicemail receive no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/year>, I received XXXX attempts back to back to steal money from my account. The first about was in {$300.00}, the second was in the amount of {$3200.00}. 

Capital One rejected the second claim for {$3200.00} as fraud. They honored the {$300.00}, and stole the money from my account. 

I have been battling them since this occurred. Capital One gave me a temporary credit for the {$300.00}, then on XX/XX/XXXX, they took the funds. 

I have filed appeals. I have provided them information from the XXXX ( Maryland ) XXXX Police Department showing them I am a victim of a crime. 

I went to XXXX XXXX office. They are liars. All of them. They play with peoples money, steal and then force people to fight them outside of Capital One. 

I believe XXXX XXXX is involved in money laundering and other criminal activities based on the treatment I have received. 

I was denied any rights to cancel an unknown subscription as required by the FTC. I want XXXX XXXX held accountable too. He used his power to hurt a XXXX man. Hes a real scumbag

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
This issue dates back to XXXX months ago around XX/XX/XXXX. I purchased the car from GM Financial off a lease. They provided a title with the incorrect XXXX holder and XXXX release. Months later, they sent a corrected title, this time with information on the back of the title stating that the XXXX XXXX XXXX exceeded it's mechanical use. This devalues the brand new car. They have stated they are attempting to get another duplicate title, but haven't provided this in 14 months. If this is not correct by XX/XX/XXXX ( XXXX months after we started this ), the current bank will raise the interest rate on the car to 18 % and GM Financial says they will not pay this amount even though this whole issue is their fault and their doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address significant discrepancies in the credit report sent to credit agencies by XXXX XXXX, which is impacting my credit history and limiting financing options. Her manual report inaccurately portrays my payment history, leading to ongoing, incorrect delinquency reports in recent months. These errors undermine my credit score and fail to reflect the true chronology of my payments. 

To date, I have made 15 payments over 16 months, with the account reported as current. However, I have received no written notification of any change in reporting procedures, yet XXXX XXXX continues to log past payments as XXXX delinquencies. Although it is now XX/XX/XXXX, she is treating payments from XX/XX/XXXX and XX/XX/XXXX as recent delinquencies. If payments were made within the XXXX grace period, such as my XXXX payment processed on XX/XX/XXXX, they should not negatively impact my current credit history. 

Additionally, the handwritten report raises concerns about its accuracy and objectivity. Given these inaccuracies, this reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates precise and truthful reporting. I ask that all payments be accurately allocated to their original dates to ensure my credit history reflects reality and to avoid further impact on my score.

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 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
LVNV is trying to collect a debt which I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was reviewing my credit profile and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
LVNV is trying to make me pay for debts that I did not incur. I have sent cease and desist letters of which I will include.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MS

Complaint narrative:
Received a credit alert from XXXX and XXXX of a debt owed. This debt is not mines I never lived at TXXXX XXXX XXXX nor have I applied for any credit from them. I have all 3 credit reports locked! I have enrolled in XXXX XXXX which has my credit locked! How do these rental companies keep allowing thieves to use my ssi without proper identification is beyond me. I have been dealing with this crisis since 2021 and none of these agencies have done there job. I'm starting to think that they are behind my identity been stolen. The collection agency on behalf of XXXX XXXX XXXX is Columbia Debt Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion credit reporting has denied my request for my free credit report for many reasons, none of which make any sense. They first attempt they told me my NJ state XXXX  ID and verification was invalid, " XXXX and XXXX accepted the prison documents ''. The second attempt the XXXX ID and address documents were not proof of who I am. " XXXX picture IDs ''. This final attempt after being on the phone for over XXXX minutes '' multiple calls because their phones were cutting out '' I was told that they don't accept my New Jersey State Drivers License or the letter from the Homeless XXXX  Transition residence '' NJ State Agency '' or the Resident ID with BOTH picture and address of my residence. In addition I provided a XXXX XXXX ID and Social Security card. 
I talked to " XXXX '' at the call center and answered two out of three question correctly but I couldn't remember a phone number from 6 or more years ago. Help me PLEASE

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 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX Blade XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Bank Card P. O. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : Acct # Ending in XXXX To Whom It XXXX Concern : This letter is in response to your recent claim regarding account # ending in XXXX, which you Claim was charged off. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per the FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your report. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, to formally defend yourself. My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 of SSN # XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation