vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly 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
Consumer complaint received 2024-04-11 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: IL

Complaint narrative:
Due to my tenant at my rental property being late I had to pay for y mortgage at the rental property and my rent in XXXX which put me in a bind. So I called my car company for a deferment which I was approved for to go on the back end. I was not informed that it would incur a late payment on mu credit. I called to get help at XXXX  and due to their miscommunication I seen that I got a late payment on my credit. I would have never opted for this payment arrangement. They would not pull the call of my conversation with the representative to hear that I wasnt told that with the deferment there would incur a late payment. I would have never done this. I have tried to talk with them But they have not tried to help me fix this. They need to do a better job with telling their customers about this could happen under the payment arrangement. This has not helped me fix my credit which I am working on. I was trying to prevent a late payment occuring. This late payment dropped my credit down XXXX points. Under the arrangement I was told to pay {$440.00} on XX/XX/XXXX {$290.00} on XX/XX/XXXX. Regular payments start back up on XX/XX/XXXX. I made the payment of my XXXX on XX/XX/XXXX to end my payment arrangement because it hurt me more than helped me. Thai complaint is with 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 2024-04-11 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: IL

Complaint narrative:
Due to my tenant at my rental property being late I had to pay for y mortgage at the rental property and my rent in XXXX which put me in a bind. So I called my car company for a deferment which I was approved for to go on the back end. I was not informed that it would incur a late payment on mu credit. I called to get help at XXXX  and due to their miscommunication I seen that I got a late payment on my credit. I would have never opted for this payment arrangement. They would not pull the call of my conversation with the representative to hear that I wasnt told that with the deferment there would incur a late payment. I would have never done this. I have tried to talk with them But they have not tried to help me fix this. They need to do a better job with telling their customers about this could happen under the payment arrangement. This has not helped me fix my credit which I am working on. I was trying to prevent a late payment occuring. This late payment dropped my credit down XXXX points. Under the arrangement I was told to pay {$440.00} on XX/XX/XXXX {$290.00} on XX/XX/XXXX. Regular payments start back up on XX/XX/XXXX. I made the payment of my XXXX on XX/XX/XXXX to end my payment arrangement because it hurt me more than helped me. Thai complaint is with XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I went to XXXX for my birthday in late XXXX of XXXX. I used my credit card ending in XXXX once at a restaurant while I was there, a 2nd time at a pharmacy for medicine, third time at a XXXX gas station ( XX/XX/XXXX ) in XXXX XXXX on the way to the airport and the final 4th time in terminal 4 at XXXX XXXX XXXX. I originally claimed the 4th charge as fraud too because my girlfriend grabbed my card at the register in the airport because we both have Active cash cards. I realized a few days later I that purchase was made on my card and had it removed from the investigation. At the shady gas station, the attendant tried charging me over XXXX pesos. I argued with him for 10 minutes saying his pump is off considering I had 3/4 of a tank when I got there and XXXX pesos is over XXXX US dollars. He couldnt understand English and I only had XXXX pesos left so I gave him my card to use for payment so we could make it to the airport in time. He said the card declined and the price on the pump magically changed to XXXX, so I paid him XXXX pesos in paper currency and went on my way. Either the card went through and they charged it for {$380.00} or it was hacked and someone got the numbers. All 4 times I used the card in XXXX I never got a text immediately after like I do in the US to be sure the transactions were from me. Nobody can tell me the location of where the {$380.00} charge was made and Ive never heard of the place theyre trying to pronounce over the phone. The address to the XXXX gas station is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number 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 explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
After the account was closed, I provided images of all the mail I received, which indicates that my mailbox address is correct since I received all their correspondence. I find it strange that I didn't receive the previous check, but now I have filled out the form again requesting you to send a new one. I hope you will send me the new check as soon as possible instead of delaying it. I have my own living expenses to cover with this money, so please don't make it impossible for me to live. It's really upsetting. 
After my account was closed, I haven't been receiving the checks, and there have been continuous delays. When I requested a resend and inquired with customer service about the timeframe, they said it would be XXXX XXXX  later. I'm truly furious. I needed it urgently, and this delay is seriously affecting my life. Why do they keep lying to me, saying it would take just over XXXX business days, and then repeatedly giving me new problems to wait for?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
South west Credit System added this account to my credit report. I am unaware if this becausae I did not have/receive proper notificationn within XXXX  days of this debt accordng to the FCRA before it was added to my credit report. I did not have adequate time to address/access this debt. 

Acct # XXXX In fact you feel/believe that you gave me proper notification please send me the certified receipt with my name and signature on it stating I recieved it.

This company has plenty of lawsuits for being a serial violator of this same law and more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
I've uploaded the files on which of the accounts are not mines

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 2024-04-11 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 did not start these inquiries, and I am not connected to any of the creditors listed. Please take them off of my credit report right away.

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 2024-04-11 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've been down this road before, tirelessly disputing the same inaccuracies on my credit report time and time again, only to see them resurface like a stubborn weed! It's beyond frustrating to continually fight this uphill battle, providing evidence and explanations, only to have my efforts seemingly fall on deaf ears. How many times must I go through this exhausting process before someone takes notice and actually corrects the errors? My patience is wearing thin, and rightfully so! It's about time the credit reporting agencies take their responsibility seriously and finally address these inaccuracies once and for all!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Due to a domestic violence situation in XX/XX/2021 I was unable to pay my bill on time. My finances were compromised by another individual who I was intimately involved with. The police had gotten involved and were able to retrieve my finances. Due to me not being in control Id like for the late payment of XX/XX/2021 to be removed from my credit report as it has negatively impacted my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: NE

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: OH

Complaint narrative:
After connecting with an online dating site and months of texting, and ultimately sending money to this woman, once the situation finally got to where I realized too late I was in a scam, the last " payment '' I made to this woman 's " attorney '' who was helping her, it involved payment of $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I realized too late this wasn't real. I supplied this " XXXX money '' via a cash advance from my US Bank credit card. This was onXX/XX/XXXX. I filed the fraud complaint the next day as I recall. At any rate, with much " back and forth '' via mail, they still refuse to honor the so-called " zero fraud liability '' that these companies brag about. I even produced an actual email from THE XXXX POLICE department that this fraudster supplied to me an otherwise realistic looking XXXX XXXX. The officer said it was a fake. The XXXX. company still refuses to budge, even after I sent them that. They actually gave me this perps name and phone number, of whom I called, but kept getting voice mail and no return call. They did have the same name, XXXX XXXX, as this scam girl also claimed was this ( so called ) attorney 's name. I tracked down this guys address, it's a XXXX XXXX. I provided that to them also ... and even asked if not accused them of not even ACTUALLY making a REAL contact with this said XXXX XXXX. On XXXX searches of course there's mutliple XXXX XXXX, and the one from my " scam perp '' was supposedly with a law firm in North Carolina. I discovered it too IS FAKE. " Her XXXX XXXX '' XXXX is white, the one that US Bank Credit card provided is BLACK!! I sent pictures proving it. These two perps XXXX also bilked me out of over $ XXXX over the period of about 6 months before XXXX me realized what was going down. ( that's yet another unresolved issue separate from this. I have a Scam Payback company assisting here ). I complained to US Bank itself for some sort of " relief '' and they too have not done anything, and never will. I thought there was supposed to be " some sort of protection '' supplied to otherwise unsuspecting people when dozens upon dozens of transactions being made to the same person in such a short time. Oh well. I do own my actions, but this last $ XXXX fraud I guess was my last straw. Since my phone number is required, I would also like to advise that what with all the scams and phishing going on, I DO NOT answer any number not on my contact list, so if you or anyone involved here make a call, it will go to voicemail so a message must be left on it for me to return the call. I see below docs can be attached, however in my case they're all on my phone, and I did send them to the credit card company anyway.

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 2024-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One completed a hard inquiry on my credit report in XXXX of XXXX. I applied for a credit card from them in XXXX of XXXX but had not since been in contact with the company, nor was I a customer. I did not request any information in XXXX of XXXX that would have arose in this hard inquiry. When I called, the company said they had no record of pulling my credit and told me to contact XXXX, which I did to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: UT

Complaint narrative:
I paid off my XXXX  lease to KIA Finance in XXXX XX/XX/2024. I submitted all necessary documentation for title release at XXXX and I got promise from KIA Finance that title will be released in XXXX business days and mailed to me. I did not get title during XXXX  days after all requirements were done to get title. I called to them several times. They are keeping to tell me that title was released and will be shipped but I did not get title and they are not confirming that they shipped title to me, telling different stories " why '' it will be going to take care to ship but didn't not shipped and I can not register and drive car which I paid off.

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 2024-04-11 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: GA

Complaint narrative:
I am writing to dispute illegitimate XXXX XXXX accounts that were opened in my name with XXXX without my consent or authorization. I am a victim of identity theft and did not open or approve these accounts myself. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), I have the legal right to dispute any inaccurate, incomplete, or unverifiable information resulting from identity theft on my credit reports. 

Specifically, the FCRA ( 15 U.S.C. 1681c-2 ) requires credit reporting agencies to block the reporting of any information that the consumer identifies as resulting from an alleged identity theft, within four business days of receiving proper documentation. Additionally, the FCBA ( 15 U.S.C. 1666 ) states that upon written notification of potential identity theft, creditors must cease collection activities and conduct a reasonable investigation within 30 days. 

I am formally requesting that the CFPB take the following immediate actions : 1 ) Pursuant to the FCRA, investigate this matter and ensure the prompt removal and blocking of any XXXXt accounts, collections, late payments, or other negative information from my credit reports with all three major credit bureaus ( XXXX, XXXX, TransUnion ) within four business days. 

2 ) Under the FCBA, require XXXX to absolve me of any obligation for payments, fees, charges or debts related to the fraudulent accounts. 

3 ) Ensure correction of any inaccurate information arising from identity theft across all credit reporting agencies as mandated by the FCRA. 

I have enclosed copies of the identity theft affidavit and report I filed with the Federal Trade Commission and my local police department, verifying that I am a true victim. As an innocent party, I should not be penalized for fraudulent accounts opened illegally and through no fault of my own. 

Please promptly investigate this identity theft crime and take the requested actions immediately per the FCRA and FCBA laws. I look forward to your resolution of this serious matter within the mandated 30 day period. Let me know if any other information is required.

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 2024-04-11 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:
I am writing to dispute illegitimate XXXX XXXX accounts that were opened in my name with XXXX without my consent or authorization. I am a victim of identity theft and did not open or approve these accounts myself. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), I have the legal right to dispute any inaccurate, incomplete, or unverifiable information resulting from identity theft on my credit reports. 

Specifically, the FCRA ( 15 U.S.C. 1681c-2 ) requires credit reporting agencies to block the reporting of any information that the consumer identifies as resulting from an alleged identity theft, within four business days of receiving proper documentation. Additionally, the FCBA ( 15 U.S.C. 1666 ) states that upon written notification of potential identity theft, creditors must cease collection activities and conduct a reasonable investigation within 30 days. 

I am formally requesting that the CFPB take the following immediate actions : 1 ) Pursuant to the FCRA, investigate this matter and ensure the prompt removal and blocking of any XXXX accounts, collections, late payments, or other negative information from my credit reports with all three major credit bureaus ( XXXX, Equifax, XXXX ) within four business days. 

2 ) Under the FCBA, require XXXX to absolve me of any obligation for payments, fees, charges or debts related to the fraudulent accounts. 

3 ) Ensure correction of any inaccurate information arising from identity theft across all credit reporting agencies as mandated by the FCRA. 

I have enclosed copies of the identity theft affidavit and report I filed with the Federal Trade Commission and my local police department, verifying that I am a true victim. As an innocent party, I should not be penalized for fraudulent accounts opened illegally and through no fault of my own. 

Please promptly investigate this identity theft crime and take the requested actions immediately per the FCRA and FCBA laws. I look forward to your resolution of this serious matter within the mandated 30 day period. Let me know if any other information is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: GA

Complaint narrative:
Hello, I'm requesting a re-investigating on this account. I just received my TransUnion File Number XXXX dated for XX/XX/2024. I see this acct XXXX XXXX XXXX XXXX  XXXX came back VERIFIED AS ACCURATE. The other credit bureau XXXX WERE NOT able to properly verify these accounts and was required to remove the accounts from my Credit Report. I have the right to a COMPLETE & 100 % ACCURACY on my credit report with all 3 credit bureaus per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and FCRA 623 ( b ) ( 1 ) ( d ). How were you able to verify these accounts and you all have access to the same information? Please give me the name of the person who verify this account? Also, I have attached a invoice of all the laws you fail to comply with ( 15 U.S. Code 1692d : Harassment and abuse, 15 U.S. Code 1692e : False or misleading representations, 15 U.S. Code 1692f : Unfair practices, 15 U.S. Code 1692g : Validation of debts, and 15 U.S. Code 1692j : Furnishing certain deceptive forms ). You can mail the check to my address that's mention in the invoice. I have uploaded my supporting documents as my proof of these accounts was removed off my XXXX Credit Report Number XXXX. Do not send me any stall tactic letters. Send me a update copy of my credit report. PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief