vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: NY

Complaint narrative:
I recently pulled my credit reports from all three credit bureaus and noticed an account listed as a " charge off '' as XXXX XXXX  ending in XXXX, in the amount of {$830.00} that was not my account as well as all three bureaus were reporting different information regarding this account. I filed an identity theft report with the FTC and printed out my report, and on XX/XX/24 I then mailed certified a letter I wrote with a copy of my driver 's license along with my FTC report explaining this is not my account and pursuant to the FCRA it is Equifax 's duty to report correct and accurate information on my credit report and file. Furthermore, pursuant to 15 U.S.C 1681 c-2, Equifax is violating my federally protected consumer rights by not removing the account within 4 business days and they failed to list on my report that this account is in dispute. To add to this, I did NOT give written instruction/permission to furnish this inaccurate account on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). I received a document from Equifax put verified the account so I sent a second letter certified mail of the inaccurate reporting and request to send me the information showing how they concluded it was verified and they can not give me proper documentation. It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Genesis Recovery Services, Inc.
State: DE

Complaint narrative:
GENESIS RECOVERY SERVICES INC. has a fraudulent default judgment against me for a debt they can not legally collect. Upon my own research GENESIS RECOVERY SERVICES INC. is not legally bonded to go after me for any debts owed because I am a Resident in the state of Delaware. They have been illegally garnishing my wages and exhibiting abusive debt collection practices. They also have been committing fraud by contacting and suing me for a debt that I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Since the loan was given I have been making extra principal payments each month. They have been applied as credits to my account instead of to the principal amount as intended. GM said they do not have this policy in writing anywhere and they just assumed everyone knew this. They said I could call in each month with my payment and tell them that the overage should be assigned to principal and not as a credit to the following month. I requested that they go back and credit the additional payments to principal and they said they would not do that. The app from GM just started asking if the additional payment was to be applied to principal within the last 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT FOR ITS INACCURATE REPORTING. I HAVE YET TO RECEIVE ANY UPDATE ON THIS ACCOUNT FROM THIS FURNISHER! SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Employer not listed

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 2024-04-23 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: NJ

Complaint narrative:
Upon obtaining a copy of my credit report, I was alarmed to discover inaccuracies with my personal information. I noticed additional names and addresses that are 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 explanation
Consumer complaint received 2024-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I purchased XXXX software  from XXXX  Received counterfeit software for my purchase. I showed proof that the software was counterfeit to CapitalOne and asked that they void this transaction and refund the {$300.00} that were charged on my credit card. CaptialOne claimed that they don't have control on that and closed the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: Burns Auto Credit, LLC
State: SC

Complaint narrative:
As of XX/XX/2023 to current, Burns Auto Credit LLC has been reporting my experience & transactions with their company on my XXXX consumer report :, Which is in clear violation : Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: AL

Complaint narrative:
XXXX, Transunion, XXXX has inaccurate reporting on my credit reports, I wrote all three bureaus and they are still reporting inaccurate information. I have reached out to the companies also that I notice that are inaccurate still no change. I notice hard inquiries, I also notice old accounts and old collections that I have Know Knowledge of please help me resolve this issue.

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 2024-04-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX, XXXX, Experian has inaccurate reporting on my credit reports, I wrote all three bureaus and they are still reporting inaccurate information. I have reached out to the companies also that I notice that are inaccurate still no change. I notice hard inquiries, I also notice old accounts and old collections that I have Know Knowledge of please help me resolve this issue.

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 2024-04-23 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: PA

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-04-23 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: PA

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX, I purchased a vehicle from XXXX and obtained financing from Santander Consumer USA. Shortly after I purchased the vehicle, I had a voluminous of mechanical and electrical problems and it was not safe to drive until the repairs were made ( per the XXXX XXXX ). Since I filed for Bankruptcy in XXXX, it was in my best interest to keep this vehicle and pay to get the repairs done. After I decided to keep the vehicle, I made my first payment in XX/XX/XXXX to Santander. Due to the overall cost of the repairs, I fell behind on my payments and subsequently Santander threatened to repossess my vehicle. After they filed a motion with the Bankruptcy court, we reached an agreement and the past due payments would be included in a repayment plans consistent with the terms outlined in the bankruptcy. Afterwards, I made XXXX payments as agreed on time for XXXX and XX/XX/XXXX, and all of my payments have went exclusively towards interest. The rep at Santander informed me that none of my payments would be applied to the principal since there were past due payments. My Attorney advised me that all payments from XX/XX/XXXX and here on out should abide by the original terms when I purchased the vehicle since the past due amount was included in a repayment plan as long as I pay by the XXXX each month. As of now, Santander is in violation because they are illegally taking every payment and applying it to the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: KS

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate items that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my 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 non-monetary relief
Consumer complaint received 2024-04-23 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: EQUIFAX, INC.
State: MI

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.

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 2024-04-23 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: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-24 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
After getting a notification that Wells is changing card companies ( XXXX XXXX XXXXXXXX ), I was notified by Wells Fargo of potential fraud use on my card via text and email. I responded denying 2 charges and accepting 2 others. They canceled card and issued a new card and submitted a claim for investigation. 2 Weeks later I get a letter saying the claim has been denied ( via USPS letter ). Call XXXX # XX/XX/24 XXXX XXXX. Told the charges are " chip '' charges and Wells believes the card chip can not be duplicated. Since the card was in my possession, the fraud claim is being denied. I asked for supporting documents. ( I did not make the purchase they described nor to I know anymore about the purchase than the store name that Wells provided to me ). They said I needed to file paperwork and strongly suggested that it be a police report before the claim would be reviewed for reconsideration. I have 2 issues with this. First, they are placing a burden on the consumer to submit documentation that the consumer doesn't have and must wait for them to provide ( 7-10 days they say ). And 2nd, the police report requirement is a burden on our public resources that simply is not necessary. Wat facts can a police officer gather other than my name, contact info and Wells Fargo info? Is this simply a way for Wells to force a consumer to " give in '' and pay the fraudulent charges? This card has been used for years and no fraud but as soon as they announce a change in card servicers, fraud occurs. Hmmmm, certainly worthy of an investigation.

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 2024-04-23 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: KS

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate items that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
I believe FCRA 605B says we must take out wrong accounts from my credit report. Can you see if that's right? Some accounts listed have wrong info about money and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
I think FCRA 605B wants us to delete any wrong accounts from my credit report. Can you check? Some listed accounts have the wrong amounts and dates.

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 2024-04-23 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: PA

Complaint narrative:
FCRA 605B might mean we have to get rid of incorrect accounts from my credit report. Can you look at the papers? Some listed accounts have wrong amounts and dates.

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 2024-04-23 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: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Throughout, I've maintained punctual payments on this account, preventing any overdue instances. The origins of reported tardy payment remarks on my accounts are unclear to me. According to 15 USC 1666b - Billing Error, rectifications should be made.

Company response to consumer: Closed with non-monetary relief