vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
This complaint is in regards to Ally Finacial and my account number with them is XXXX. 

My mother and I jointly bought a XXXX XXXX XXXX, it was surrendered to the bank and sold at auction, leaving a final balance of XXXX dollars. She told me she would take care of rest. A year later I checked my credit report ( i know fault of my own ) and noticed she never made a payment. So I am now attempting to pay it off on my own since it is also in my name, but any time I call Ally financial ( XXXX ) they transfer me to a different department and ultimately after 3-4 transfers i get to a department that is closed and am told to call back the next day, I've done this for 4 days now and I keep getting nowhere with this company. they tell me they tell me the asset retention team will help me but after XXXX voicemails and multiple calls to their department during their business hours I get their voicemail and have yet to talk to anyone in that department. They can see my account, see that i owe them money, but are not interested in helping me whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
My ex used my information to open up credit card accounts without my knowledge, she then maxed them out and i was not aware. This is a clear case of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
To : EQUIFAX DISPUTE CENTER XXXX XXXX XXXX XXXX, GA XXXX Re : Reporting Fraudulent Unauthorized Credit Inquiry To whom this may concern, I am writing to formally request the removal of unauthorized credit inquiries from my XXXX credit report. Upon reviewing my latest credit report, I discovered ( 8 ) eight credit inquiries that were not authorized by me. These inquiries are in direct violation of 15 USC 1681C-2, which mandates their immediate removal. I kindly ask for your prompt attention to this matter and for the necessary actions to be taken to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
I paid off my loan for my XXXX XXXX XXXX on XX/XX/XXXX. After which I received a letter dated XX/XX/XXXX, and the original title lien statement and a new title lien statement with the termination box marked, however, the original file number and the original file date was not filled out which is required by the state of Kentucky to obtain a new title. I immediately called TD Auto Finance and requested a lien statement filled out correctly for the state of Kentucky. I have called several times since XX/XX/XXXX, and I have sent an email requesting the corrected form. They have claimed to have mailed it, but if they have I have not received it. Now, almost two months have passed. I do not understand why they would not fill out all available information, if it is available. I was told during the first phone call that some states require this information and some do not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: FL

Complaint narrative:
I am formally disputing the debt associated with the following account and requesting its immediate deletion from my credit report due to serious violations of Metro 2 compliance standards, the Fair Debt Collection Practices Act ( FDCPA ), and federal consumer privacy laws : Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Bank Balance : {$38000.00} Past Due : {$38000.00} Account Type : Debt Buyer Date Opened : XX/XX/year> Status Updated : XX/XX/year> I sent your company a debt validation letter 30 days ago. I then had a copy of my credit report pulled and noticed that your company did not mark my validation request as being in dispute. From my understanding, this is a violation of FDCP and it carries a fine of {$1000.00} per violation. Let me remind you that this is a statutory violation and it does not require me to prove damages. I can just simply hire a consumer rights attorney to bring a suit for your violation.

Im willing to settle this matter in the following way : ( 1 ). You agree to remove the inaccurate account from my credit report.

( 2 ). You agree to delete the account within five days.

( 3 ). You also agree not to sell or try to collect this debt in the future.

( 4 ) .You also agree not to report any portion of this debt to the credit bureaus.

( 5 ) .You agree to pay me {$500.00} for violating the FDCPA.

in your last letter to me you stated that the item had already been verified as accurate. Well, which part of the listing is accurate? You never told me that. I did some case law research and found two cases that stated that credit reporting agencies can not merely parrot information from creditors and collectors, but they have to conduct an independent investigation to ensure the validity of the debt. Im providing your company new and relevant information. Please act according to the law and investigate this matter.

If you agree to the above terms, please sign and date and mail me the check and a deletion letter to the address listed above. If you choose to ignore this letter, I will be exploring all legal options on 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 non-monetary relief
Consumer complaint received 2024-10-30 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: MD

Complaint narrative:
I identified unauthorized inquiries in my report under 15 USC 16c-2. They are incorrect and hurting my credit score. Please delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
I have 4 incomm prepaid visa cards. I've attempted to use them in-store and they would decline. When I called customer service, they said the cards are compromised and new cards need to be sent out. However, in order to do this, I have to submit receipts. Even though I have the physical cards, they still require receipts which I don't have. I have 4 card that have a balance of XXXX each. I'm requesting help to get these cards replaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX ( account # XXXX ) Date opened XXXX XXXX, XXXX XXXX XXXX  ( account # XXXX ) Date opened XXXX XXXX, XXXX XXXX XXXX account # XXXX ) date opened XXXX XXXX, XXXX XXXX XXXX account # XXXX ) date opened XXXX XXXX, XXXX XXXX XXXX account # XXXX ) opened. This account ( s ) has resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-30 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY

Complaint narrative:
XXXX withdrawals totaling XXXX XXXX  were made in XX/XX/XXXX from my XXXX XXXX XXXX  checking account without my authorization. I learned about it that same month XX/XX/XXXX. Additionally in XX/XX/XXXX, I received a letter from XXXX XXXX XXXX that there was a XXXX breach about a cybercriminal act and that my personal information could have been taken. I reported it to Dimes and after they investigated, they concluded that I made the withdrawal because they saw me on camera. I did not steal my own money. This tells me that they never investigated and used pure speculation to come to this conclusion. I've been a loyal customer with dimes for over XXXX XXXX. I hope dimes will do the right thing and return my funds and you could help me resolve this issue. These are the unauthorized charges : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: OH

Complaint narrative:
I attended the XXXX XXXX XXXX XXXX from XXXX, and was misled by the school and forced to take a private student loan through Sallie Mae because they lied to me and told me my federal loan was all used up. The school has since been closed due to lawsuits against it and its parent company for many illegal practices which I was named a victim of. The Biden Administration just wiped out my federal loans because of this, and right now I am struggling with a wage garnishment for the private loan that was illegally forced on me while attending that school which is causing financial hardship and I should not have to pay. When I went in to the school office to go over my federal loans for the next year the person who was helping me seemed very off, she was very nervous, shifty, and really wanted me in and out of that office. She told me that in order for me to continue my education I had to take a private student loan through Sallie Mae as my federal loans were gone. She didnt give me any other option, would not explain why and basically forced me to sign the agreement with Sallie Mae . She gave no other options, just told me that unless I wanted to be kicked out and not get my degree I had to take that loan and nothing else. It seemed very wrong at the time but I was afraid Id be kicked out of the school like she said if I didnt take the private loan. Now I have a degree that isnt worth anything because of the schools misconduct, as the school backed out on everything they promised us as students, lied to us about numbers and jobs, etc. Im now in a financial hardship over a student loan I shouldnt have had in the first place and was forced/manipulated into by illegal means. I should not have to pay it and if possible should get back some of the money I had paid and was forcefully taken out of my paycheck as garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2024-10-30 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: MD

Complaint narrative:
Incorrect inquiries are listed on my report under 15 USC 16c-2. I did not approve them. Kindly remove these errors.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a XXXX XXXXXXXX and I subcontracted a portion of the job that required a license. On XX/XX/year> and XX/XX/year> I sent a company called epoxy plus a total of {$2000.00} through a XXXX transfer from my Truist bank business checking account. I later learned the owner of XXXX XXXX is not licensed and he cost me the job due to his incompetence and damage he caused on the job site. I filed a dispute with Truist bank and have given them contracts and other documents that pertained to the job. I explained what happened and I even found out that the owner of epoxy plus was just released from prison where he severed time for drugs and fraud. I even sent that to the Truist bank but they still denied it. I was credit exactly XXXX dollar which i found very insulting. I asked on two separate occasions to speak with a supervisor and never got to talk to one. I was placed on hold for over XXXX minutes and this was during normal business hours. I have been in business a few years now and I have had disputes I made validated without question and if i was wrong the bank would take the money back but Truist bank seems to me will not validate any claim no matter what. This was a serious setback for me and my family and Im writing this as a last attempt to seek some justice or at least part of my money back. Im hoping this will help. 

Best Regards 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 2024-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-30 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: NY

Complaint narrative:
Please do not call. Email communication only. 

Capital One is refusing the filing of an online dispute on Savor Card. 

Capital One XXXX  chat refuses to assist in filing dispute on Savor Card Capital One when calling with relay operator gets hung up on because the automated system does not have a bypass that works. 

Capital One can not produce a guide for the automated system. 

Capital One does not have secure email. 

Capital One used to have secure email online. 

Capital One has the capability of sending secure emails directly. 

Why is Capital one able to discriminate against the XXXX. 

This is with all divisions. Credit, bank, auto, and credit. 

Discrimination is not tolerated and being refused a dispute is not acceptable. 

I dont understand why Capital One feels that the above is acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-29 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: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX ( account # XXXX ) Date opened XXXX XXXX, XXXX XXXX XXXX ( account # XXXX ) Date opened XXXX XXXX, XXXX XXXX XXXX account # XXXX ) date opened XXXX XXXX, XXXX XXXX XXXX account # XXXX ) date opened XXXX XXXX, XXXX XXXX XXXX account # XXXX ) opened. This account ( s ) has resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation