vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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 formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have asked repeatedly that an account by the name of " XXXXXXXX XXXX '' which has been sold to " XXXX XXXXXXXX XXXX XXXX '' which now has a balance of XXXX is showing on my credit report. I have advised Transition this account does not belong to me and it was noted based on communication from transition that this account has been " blocked '' or deleted from my credit report however I am still seeing this account showing on my credit report as of XX/XX/year>. Again I ask that this account which does not belong to me is removed from my credit report. This inaccurate reporting has hindered me from being able to obtain credit. Previously I have uploaded a police report and ID theft report I am hoping you all still have that for your record. 

Here is the response below from a previous complaint " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you the documents you provided were incomplete and included a TransUnion affidavit for you to complete and return. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. In response to your dispute request, we sent you a letter to inform you the information is not currently on your TransUnion credit report and included instructions on how to obtain a credit report. The dispute investigation ( s ) that were initiated for the following account ( s ) and/or public record ( s ) have been cancelled at your request : ''

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 2024-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-03-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.

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 2024-03-14 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:
If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXXXXXX XXXX XXXX status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
Someone Fruad Opened a Credit Card and a loan under my name. The credit Card Was under discover opened XXXX XXXX and that account has gone to collections charged off for the amount of {$210.00} it was a secured credit card i never opened it neither knew who that company was and now im stuck with a balance and a bunch of late payments on my credit report. The loan was a secured loan for self lender by lead bank it was opened back in XXXX XXXX and balance of {$520.00} and also stuck with bunch of late payments on my credit report and balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to these inquiries and firmly suspect they are fraudulent. I implore you to carry out a thorough investigation and promptly delete them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/2024 Venmo froze my funds with no warning no explanation nothing EVERYDAY since then Ive emailed them, since every time I call Im told theres nothing they can do and Im not allowed to talk to my account specialist that put the freeze on my account, Ive XXXX asked for an explanation and release of my funds so I can transfer them and close my account with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Starting on or around XXXX, XXXX, current consumer information has been inaccessible via my online account at www.service.transunion.com. Additionally, each time I have attempted to log on, it required a live customer service agent and/or was escalated to supervision within the technical support/dispute areas of the organization. Lastly and most importantly, when requesting to view my credit report online, the dashboard states the message : " credit report has not been updated since XXXX, XXXX. '' The lack of attention to my requests to dispute the same issues repeatedly even after my attorney and I provided relevant documentation supporting the requests more than one as well as Transunion 's inability to provide current updated online credit reports that are readily available for download access is very disappointing, and life altering because of the countless credit denials I have received that is affecting my livelihood. 

I want all dispute requests regarding corrections to accounts such XXXX XXXX and all XXXX loan accounts that should both indicate XXXX balances due to documentation submitted and federal XXXX  loan forgiveness completions completed immediately. 

Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
At the dealership i was pressured, led and instructed, by the salesman to get a lease despite wanting a finance. I told him several times that i want to finance because i know i will go over my miles and he told me to take the lease for interest reasons. 

No options were ever provided, comparisons, explanations made, or otherwise. 

Documents were drawn up for a lease and i was further pressured, led, and instructed by the finance manager to sign. If I mentioned the financing again, attention was diverted to the documents already prepared. 

i believe i have been purposely deceived by this dealership, and cadillac financial has also not been forthcoming with disclosures when i ask questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit and shows the following incorrect information is being report. 

Late payments : XXXX XXXX XXXX XXXX reported late XXXXXX/XX/XXXX, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 XX/XX/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 2024-03-14 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 was a victim of identity theft. I filed all the necessary documents with EXPERIAN to have these fraudulent accounts removed and they were however 1 reappeared ( XXXXXXXX XXXX  ). 15 USC 1681 C-2 states a block maybe rescinded or declined for 1 of 3 reasons 1 ) the blocked was placed in error 2 ) misrepresentation of material fact by the consumer relevenat to the the request to block 3 ) the consumer obtained goods services or money as a result of the block. EXPERIAN has acknowledged they received no documentation from the creditor rather the creditor just reinserted the account. The FCRA has said explicitly this is not sufficient. There needs to be an investigation to ensure completeness and accuracy. 15 USC 1681i states, a notice that if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency not later than 15 days

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 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On the morning of XX/XX/XXXX I visited XXXX XXXX XXXX to pull money from the atm. I used my card and took out {$200.00}. Early on the morning of XX/XX/XXXX I received a fraud alert for suspicious activity saying that someone did 2 transactions the night of XX/XX/XXXX from XXXX XXXX XXXXXXXX. One was for {$100.00} ( {$4.00} surcharge ) and the other was for {$200.00} ( {$4.00} surgcharge ). I hadnt authorized this withdrawal nor was I even in the city at the time as I was sleeping in XXXX, California with my girlfriend and XXXX daughter. I still had my debit card so it wasnt used to retrieve the funds as it was still in my possession. After receiving the alerts I immediately contacted my bank to report the charges as unauthorized and the bank cancelled my card to send a new one and opened disputes on the charges. On XX/XX/XXXX, I received a message from my bank saying that the charges were authorized and I would not receive my money back. Previous to this I reached out the XXXX XXXX XXXXXXXX branch and was told about other customer complaints similar to mine and was told my bank should cover the charges as they were fraudulent. I also have filed a police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-14 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: WV

Complaint narrative:
Explained to each company I did not request credit with them and that they were supposed to contact me personally when a credit application was submitted as I have been through a situation similar to this before and my credit report states this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI

Complaint narrative:
This is a confusing situation. In XXXX of last year, we signed an Agreement with XXXX XXXX to have a solar system installed. It took several months to finally get the system installed. Upon inspection, it was determined the installation failed for various reasons. When we reached out to the company to find out what the next step was, we found out that XXXX had filed for bankruptcy. 

We had already been approved for a loan with Dividend Financial for just over {$27000.00}. What we didn't realize is that Dividend had been told by XXXX that the work had been completed, when in actuality, it had not been completed. Dividend has paid XXXX for the panels installed, but nothing more, at this time. 

We are stuck with a non-working solar system, but yet, are expected to pay back a loan for something that we can not even use. 

We would like someone to assist us in determining our legal rights in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The inquiry was not authorized XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized CAPITAL ONE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX went out business and did not provide the services or products that I was charged for. This debt is managed through a third party payment processor known as healthcare finance direct. They are threatening legal action and to send my account to collections for the outstanding portion of my debt held by XXXX XXXX XXXX. However, I never received equipment or services that I was charged for and I am unable to reach XXXX XXXX XXXX since they shuttered the company.

Company response to consumer: Closed with explanation