vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
SEE ATTACHED : VERIFCATION DOCS I am completely distraught about what has been happening to me over the last 120 days. Under the Fair Credit Reporting Act, I have a right as a consumer to fairness and accuracy of my personal information on my report. Not only have I not been able to access my credit file, but I also fear that my credit file containing my sensitive personal information is being misused without my consent. I have tirelessly contacted XXXX, XXXX, and Equifax about my inability to access my consumer report. This has led to denials for new bank accounts due to verification issues, and also denials of credit extension. After all my efforts, these consumer reporting agencies continue to willfully neglect helping me. I feel like I am being played around with. This is nothing short of negligent willful noncompliance. Please help regulate this matter. I am a XXXX XXXX currently traveling and helping my clients and I am also a good consumer. I should not have suffer emotional and financial damages from this situation. Thank you for your time and help. I look forward to fast feedback and a quick and efficient solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
SEE ATTACHED : VERIFCATION DOCS I am completely distraught about what has been happening to me over the last 120 days. Under the Fair Credit Reporting Act, I have a right as a consumer to fairness and accuracy of my personal information on my report. Not only have I not been able to access my credit file, but I also fear that my credit file containing my sensitive personal information is being misused without my consent. I have tirelessly contacted XXXX, Experian, and XXXX about my inability to access my consumer report. This has led to denials for new bank accounts due to verification issues, and also denials of credit extension. After all my efforts, these consumer reporting agencies continue to willfully neglect helping me. I feel like I am being played around with. This is nothing short of negligent willful noncompliance. Please help regulate this matter. I am a XXXX XXXX currently traveling and helping my clients and I am also a good consumer. I should not have suffer emotional and financial damages from this situation. Thank you for your time and help. I look forward to fast feedback and a quick and efficient solution.

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 2024-05-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$130000.00}

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 explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Account Resolution Corporation
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Account Resolution Corp XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request for Substantiation of Account # XXXX Dear Sir or Madam : Your firm has incorrectly listed an account in reference to a debt your firm alleged that I owe. [ In the amounts of {$910.00} ]. 

I would like more information about this alleged debt. 

1. The signed contract or application that created the debt, or, if neither exists, a copy of a document given to the alleged debtor while the account was active, demonstrating that the debt was in fact incurred by the debtor. If the debt was incurred under a revolving credit account, this could include the most recent monthly statement showing a purchase, payment, or balance transfer ; and 2. The account statement at charge-off, or equivalent document, that the original creditor issued to the consumer ; and 3. A statement describing the debts complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale and transfer ; and 4. Records showing the amount and date of any prior debt settlement agreement in connection with the debt agreed to after the effective date of these regulations. 


The regulation further requires that you provide substantiation to me within 60 days of your receipt of this request for substantiation, and that in view of my request for substantiation, you must cease collection until substantiation has been provided, delete this debt and report to all 3 Credit Bureaus. 

Please send substantiation of the debt to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$69000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
I did not make the multiple airline purchases for XXXX or XXXX XXXX. I provided a notarized statement that I never got on any plane I didnt make the purchase. Im the only authorized user and despite this fact that Im the victim capital one is fraudulently charging me back for purchases I didnt make or receive any benefit from. I need the CFPB to hold them accountable, I am prepared to file an FDIC complaint this is illegal and fraudulent. To make matters worse on various recorded lines Capital One promised me that I would not be responsible and then change their story to saying that because someone in my household fraudulently use my card Im still responsible thats not how it works. Thats not how the law works not the terms and conditions. They even said I needed to file a police report on my minor daughter who is a XXXXXXXX XXXX and XXXX that didnt know what she was doing when using my phone if I want to get my money back. Since Im the only authorized user, I didnt make the purchase and I didnt benefit from it by law they have to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: HI

Complaint narrative:
See attached files for dates and times of communication between myself AARGON COLLECTION AGENCY and XXXX XXXX XXXX XXXX I wrote both the Furnisher and the collection agency. 

Per 12 CFR 1006.18 prohibits debt collectors from engaging in false, deceptive, or misleading representations, which includes reporting inaccurate information to consumer reporting agencies Furthermore the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) govern the reporting of consumer debt to credit reporting agencies. The FCRA, under Title VI of the Consumer Credit Protection Act, regulates consumer reporting agencies and aims to ensure accuracy, fairness, and privacy of consumer information [ 2 ]. The FDCPA prohibits debt collectors from using deceptive or abusive practices in the collection of debts, which includes reporting inaccurate information to consumer reporting agencies. 
Additionally, all of this has caused me massive emotional distress and suffering due to these companies abusing their position and violating me. My life has been a nightmare and I have suffered because of the violation of the FCRA and the FDCPA. 
In summary, I have been compelled to accept predatory loans and subsequently face credit denials due to these companies disregard to follow guidelines instead their violation of my rights highlights broader issues within the lending system, including predatory practices and barriers for me to access fair 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-02 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are 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 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company portfolio recovery associates is reporting fraudulent inaccurate information on my credit reports ; XXXX, XXXX and XXXX. I have requested in writing that they provide the purchase agreement twice, XX/XX/2024 and XX/XX/2024, to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me and every time I have asked for such documents they re-age the debt and drops my credit scorXXXX which has been preventing me from homeownership for over XXXX years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I tried to fix the problem with Wells Fargo Bank but It got to the point where i just paid the credit card off fully and just closed the account and went to a different bank. But Wells Fargo bank stopped me from paying the other bills that i really needed to get to.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: OH

Complaint narrative:
There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I took this loan out in XXXX for a XXXX XXXX XXXX XXXX. The amount financed was {$21000.00} or so. The dealership had charged me without my consent for gap insurance and a vehicle protection plan. I complained to the dealership and they refunded these fees but would not do so to me directly but to the finance company. This loan was paid in advance and most recently has been paid off a year ahead of time since the contract end date was supposed to be XX/XX/XXXX but has been paid off XX/XX/XXXX. This company has charged me all kinds of fees and has reported late payments to the credit reporting agencies when in actuality the account was paid ahead. This is causing a negative impact to my credit score and they have benefited from unjustified late fees that were charged to me repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with explanation