vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Originally in XX/XX/2023 the Rental Car Agency XXXX from XXXX XXXX, tried to charge us for some inexistent repairs to the car we've rented but we had taken pictures of the car around prior to renting it and after we've returned the car. When the XXXX XXXX discovered our version with the proof of the pictures, they voided the charge in our CITIBANK Credit Card, however, CITIBANK it's refusing to remove the charge and they are still trying to charge me and have given me a negative report on my immaculate credit history. We have been fighting CITIBANK for over a year, but going nowhere with them, they cut my phone line after I've been spending long times dealing with Customer Service. It's a shame.

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 2024-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint 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 2024-06-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint 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 explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
My loan number is # XXXX in the name of XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I have trying to pay down the outstanding balance but Pen Fed keeps reversing my payments. The following payments to pay down the HELOC principal balance were not processed XX/XX/year> {$25000.00} XX/XX/year> {$10000.00} Please explain to me why you are not letting me pay down my principal.

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 2024-06-08 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: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: IN

Complaint narrative:
PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-06-08 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: IN

Complaint narrative:
PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-06-08 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: Experian Information Solutions Inc.
State: MS

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. 
Account name XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX  # XXXX Account name 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 2024-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I HAVE CONTACTED CAPITAL TIME AND TIME AGAIN TRYING TO RESOLVE THE MATTER THERE GIVING ME THE RUN AROUND AND CAN NOT PROVIDE ANY OF THE INFORMATION IM ASKING FOR WITH THAT BEING SAID I KNOW FOR A FACT THIS IS INACCURATE REPORTING ON MY CONSUMER REPORT WHICH IS CAUSING DEFAMANATION TO MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: KS

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: MN

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAVALRY INVESTMENTS, LLC
State: PR

Complaint narrative:
These old collection accounts from Cavalry Portfolio SE that were deleted from my file, again appeared on my file as recently opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Texas Guaranteed
State: OH

Complaint narrative:
In the year 2020, the department of education took my entire tax return. I was not aware that they could do this to me. The issue with them taking the whole tax return is that I was not notified that the entire return would be taken from me. I also would like to note that my late husband XXXX XXXX also had his name and his W2 's on the tax return. He did pass away but the student loan borrower also took his tax return to pay my student loan debt. I never received a letter or or notification that my tax return would have been taken from me. I also was not aware that the department of education could take my late husbands tax return where his name is present on the return. I believe that this amount should be returned to me and I am attaching copies of the tax return as proof that the taxable income with my late husbands name on it could be taken to pay my student loans. I was not aware that this was a legal practice that they could have taken my late husbands tax return from me. I was a grieving widow at the time and this really put a financial strain on me at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: GA

Complaint narrative:
XXXX XXXX  and XXXX XXXX XXXX XXXX has used my identity to establish these accounts with out my authorization, these accounts is fraudulent, i did not open this account and i want it removed from my credit report, my information has been leaked on thr dark web and it has been used to open numerous accounts in my name, i have reported this to thr sheriffs department, if this account is not removed i will send a letter of intent to sur in court or by arbitration by thff to companies expense, i do not tolerate my information being used fraudulently to open any accounts in my name, i have tried numerous of times to talk to both companies they have failed to recognize with information i sent them i an a victim of identity theft and my information is being used and stolen by someone, please remove these accounts experian and XXXX has failed to delete these accounts they have damaged my information and life i am a veteran im being taking advantage of please remove account As of now im also requesting that the CFPB request for a notarized affidavit that has all the information that was sent to Experian and to XXXX as saying information was valid, because nothing was giving to me, under the law fair credit reporting stated that the information needs to be provided and processed to the individual requesting such information and documentation that has never happened so please remove and I demand that these accounts be removed 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 explanation
Consumer complaint received 2024-06-08 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: MS

Complaint narrative:
In accordance to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy. 
Account name XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX 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 consumer report agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
CFPB Writeup : 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. 
XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX - ( XXXX ) XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX has violated my rights.

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 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 2024-06-08 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
CFPB Writeup : 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. 
XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX - ( XXXX ) XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX has violated my rights.

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 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 2024-06-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX On XX/XX/year>, I applied for an AmeriSave loan to refinance and cash out a loan on my home. One step to completing the loan application was to pay a {$500.00} fee, and I was led to believe by XXXX XXXX that this was to secure a locked rate. On XX/XX/XXXX, I was asked to provide bank statements to verify I have {$26000.00} in funds. I notified AmeriSave that we do not have the requested funds in our account. However, I became concerned about the lack of an appraisal on our home and inquired when the appraisal of my home would be done. 
On XX/XX/year>, a request to cancel this application was sent to AmeriSave due to the fact we would not be able to meet their demand. They are trying to say that no refund is due because I canceled the application. However, on XX/XX/year>, I received a voicemail from XXXX XXXX concerning the cancellation and I wanted to discuss a new program to save money. 
AmeriSaves attempt to run out the clock and not request an appraisal for our house to justify not refunding the {$500.00} appraisal fee we paid.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: MN

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this 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 explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Never received anything about this until I got a paper to go to court. It came under the name XXXX XXXX. I never opened up this account. So I went to court and Disputed And explained the situation to them how its not my account it was obviously open up fraudulently. Im requesting validity of the A breakdown of the charges, which I have the right to request by law. The court say theyre going to contact their liaison over there and get me the information never receive anything. Ive disputed it several times with the court also contacted the agency. The collection agency is Resurgent capital services. The representatives are so rude They tell me its in Theyre legal department and they cant handle it and then when they transfer me to legal no one ever picks up the line. Ive left messages. No one calls me back. Ive spoke to representatives And have been told that they were going to have someone from that department call me back And never get a callback. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 20 years old Because we own the account. But yet they cant give me any information and keep sending me somewhere where I cant get anybody on the line?? Also, they ended up changing the name On the account to me. The Name on the account was XXXX XXXX. How Can they take it upon themselves to change the Name to my first? The whole entire matter is fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I saw " Pro Collect Inc '' on my file. I never lived at the property in question, never received an invoice or notice about anything owed, never received notice that I can dispute debt and Pro Collect did not validate debt. They can't validate the debt because I heard the name in a debt is in a completely different name than my name. I also was informed the alleged merchant named XXXX XXXX does not even have a copy of identification for the supposed name for the debt. 
The debt is not mine and can not ever be validated or linked to my, and it need to be completely removed from my credit file, removed from my social security number, and a letter of apology issued.

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 2024-06-08 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The email address of the company ( XXXX ) that I was interacting with to send a XXXX land investment was spoofed I received fraudulent wiring instructions to a XXXX XXXX  on XX/XX/XXXX from XXXX XXXX XXXX email. I acted in good faith, sending 2 wires each of XXXX on XX/XX/XXXX and XXXX thinking the info was legit. 

ACH/Wire Instructions of Fraudulent/Incorrect Stable Account that the wires were sent to : Business Name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Bank Details XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX # XXXX Account # XXXX On XX/XX/XXXX, I was informed by XXXX XXXX that the above bank details is not XXXXXXXX XXXX XXXX The reason is XXXX has informed me that XXXX XXXX is not their account and that their emails were likely spoofed. I also attached report from an independent 3rd party that XXXX 's website/email settings are not protected against email spoofing.To that end, I initiated a wire recall claim with Chase Bank. 

I filed a Wire Recall and Fraud claims with my bank Chase on XX/XX/XXXX. These are the claim numbers XXXX and XXXX. This is the case number with the XXXX Police Department XXXX XXXX : XXXX. I also filed an internet crimes report with FBI ( Report Attached ). 

Chase denied my claim because they determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ).

Company response to consumer: Closed with explanation