vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
On XX/XX/2024, while shopping for a vehicle, XXXXXXXX XXXX XXXXXXXX assured me that, while reaching out to potential lenders for an auto loan, any inquiries would be SOFT inquiries. As it happens, they were not. I decided not to take out an auto loan and purchased the vehicle outright. Upon later checking my XXXX  files, I learned that the XXXX of XXXX credit department had sent my credit information to several potential lenders listed below : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: MARINER FINANCE, LLC
State: GA

Complaint narrative:
The underlying company Mariner Finance currently appears on my XXXX Credit Report as an account I did not open. It was open due to identity theft in which XXXX has forwarded theft documents receive from me to Mariner Finance early XX/XX/year> in which they have not complied under Federal law Fair Credit Reporting Act as it relates to identity theft. I have tried every possible way to resolve this matter amicably with Mariner Finance. As Mariner Finance have violated federal law, by not providing the credit bureau XXXX Credit reporting agency notice to have there company name removed from my credit report due to identity theft. If this matter persist I will would be seeking compensation in damages per violation, ( Defamation, Negligent Enablement of identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-F3.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: GA

Complaint narrative:
I made a reservation thru my capital one travel card, which uses capital one travel that is a third party, although this was not clear to the consumer. I booked a hotel to travel for a concert. The concert was cancelled the night before. I immediately tried to cancel this charge thru capital one travel, their site said contact the merchant. I then called the hotel directly, I was told they would not charge me and the reservation was canceled at no charge to me. I never received an email and I have called the hotel and the credit card company multiple times for several hours. The hotel says it was their error and they are happy to make it right but per their policy the " third party company '' that is capital one has to contact them. I have provided a direct number to capital one on multiple occasions, they will not use the number provided and claim they can not reach XXXX. The dispute department will also not file a dispute and the online dispute claim will not allow me to process a dispute, it freezes each time, I have tried multiple times and never had this issues before. I have spent over 3 hours on the phone between the two agencies with no resolution. This feels fraudulent and honestly predatory at this point. 

Thank you for your time and assistance. Please let me know any documentation that may be needed from me. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
When I got my CitiBank card I tried to add it to XXXX XXXX and then my account got locked. When I called customer service to resolve this issue, they asked me for a phone number they can use to send a verification code. I then gave them two viable phone numbers to use, yet they still failed to allow me to prove my identity, requiring the mailing of a letter for 5-7 days. The use of offshore cheap labor contributes to poor quality customer service from people who have bad quality microphones and do not speak English well.

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 2024-09-22 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: TN

Complaint narrative:
This account ( XXXX XXXX  Account Number : XXXX ) was charged off on the following date : XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is XX/XX/XXXX and on Transunion its XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say that these are XXXX  % accurate so it is deemed INACCURATE. Please delete these accounts from 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 2024-09-22 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: Synovus Bank
State: GA

Complaint narrative:
The underlying company Synovus First Digital currently appears on my XXXX, XXXX, and XXXX Credit Report as an account I did not open. It was open due to identity theft in which XXXX, XXXX, and XXXX has forwarded theft documents receive from me to Synovus First Digital early XX/XX/year> in which they have not complied under Federal law Fair Credit Reporting Act as it relates to identity theft. I have tried every possible way to resolve this matter amicably with Synovus First Digital. As Synovus First Digital have violated federal law, by not providing the credit bureau XXXX, XXXX, and XXXX XXXX reporting agency notice to have there company name removed from my credit report due to identity theft. If this matter persist I will would be seeking compensation in damages per violation, ( Defamation, Negligent Enablement of identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX has date of birth incorrect in their record as XX/XX/year>. 

this is invalid reporting. please remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: GA

Complaint narrative:
XXXX XXXX XXXX has date of birth incorrect in their record as XX/XX/1996. 

this is invalid reporting. please remove from 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 2024-09-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
Reviewing my credit report on XX/XX/year> I begin to notice that there is an inaccurate collection account that is currently being report. I have reached out to the creditor and the credit bureau requesting an investigation. I only received that this account has been verified. However, I requested the information on how did they verified this account and did they send you guys an sign contract regarding this account and who did they speak with, how did they verify the accounts because past due bill statements is not accurate. I yet have not received any accurate verification regarding these accounts. I requested all this information on XX/XX/year> yet have not received any documentation of this required information. As of XX/XX/year> these accounts are still being reported on my credit report as of today. I still do no believe that this accounts belong to me nor do I believe that the creditor have the correct authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect my credit report. I am requesting that you will get the XXXX credit bureaus XXXX, XXXX or XXXX to delete these accounts until they can provide the accurate documentation that I have requested that shows that this account is mines. I need the contract, signature, and the Id that should have been requested and provide. This is in violation of Section 605 B in my FCRA law and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found
State: AR

Complaint narrative:
on XX/XX/year> i used my Found Business checking account app to send an invoice to XXXX XXXX in the amount of {$2500.00}. i was with XXXX XXXX at the time the invoice was sent and XXXX XXXX paid the invoice at the time while i witnessed the transaction process. the {$2500.00} was deducted from XXXX XXXX account. and the transaction was complete on his end. 

I then checked my account on the Found banking app and the money was not there. i waited a few days and still had not received the funds. 
after contaction customer service i found out that Found bank uses a payment processor called XXXX and i contact them about the {$2500.00} payment. 

i fount the website at XXXX  and was able to log in to my account using my Found Bank login info. and it said that payouts were on hold until i verified my information. 
I sent everything they requested on SEVERAL different occasions and they still wouldnt process my {$2500.00} payout. 
I emailed their customer service because the phone number to XXXX is not found i=on their website that i could find. after several days i got a response saying that they have refunded all the transactions that they would refund and that they were closing my account and no further refunds would be issued. 
i logged ino my account at XXXX and saw that there had been a " early Fraud Warning '' alert ' on the {$2500.00} transaction from XXXX XXXX. 

XXXX will not respond to my emails as to why or when ill get my money and on my account it will not allow me to process a refund to the customer. 

after several days of not hearing from stripe.com i told XXXX XXXX to file a dispute with his bank for the transaction. Im unsure of the reason but XXXX XXXX tikd me that the dispute was denied and he did not get the money back. 

XXXX  has had a hold on the {$2500.00} since XXXX of 2024 and it has been XXXX  months. they will not respond to my emails and i have no way to get in touch with them because every time ive asked for a phone number i either dont get a response or they refuse to give the the number. 


also at the beginning i was unaware that found would be outsourcing this payment because on their website it states that the funds would the immediatey avail in my accunt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Reviewing my credit report on XX/XX/year> I begin to notice that there is an inaccurate collection account that is currently being report. I have reached out to the creditor and the credit bureau requesting an investigation. I only received that this account has been verified. However, I requested the information on how did they verified this account and did they send you guys an sign contract regarding this account and who did they speak with, how did they verify the accounts because past due bill statements is not accurate. I yet have not received any accurate verification regarding these accounts. I requested all this information on XX/XX/year> yet have not received any documentation of this required information. As of XX/XX/year> these accounts are still being reported on my credit report as of today. I still do no believe that this accounts belong to me nor do I believe that the creditor have the correct authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect my credit report. I am requesting that you will get the XXXX credit bureaus XXXX, XXXX or XXXX to delete these accounts until they can provide the accurate documentation that I have requested that shows that this account is mines. I need the contract, signature, and the Id that should have been requested and provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: MI

Complaint narrative:
I am XXXX 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, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: MI

Complaint narrative:
I am XXXX 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, Experian, and 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 2024-09-22 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: GA

Complaint narrative:
I am urgently notifying you that I have been a victim of identity theft, which has resulted in numerous fraudulent accounts appearing on my credit report. These accounts were opened without my knowledge or consent, and I am demanding immediate action to address and remove them. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and insist on the prompt removal of these fraudulent accounts to restore the accuracy of 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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ray Klein, Inc.
State: AL

Complaint narrative:
I dont have any balance with this company on my credit reporting as Professional Credit Services . Its reporting as a collection from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: AZ

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion 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. These fraudulent, inaccurate, and false information consists of a hard inquiry from XXXXXXXX XXXX  on XX/XX/XXXX ; a hard inquiry from XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; a hard inquiry from XXXX XXXXXXXX on XX/XX/XXXX ; a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX ; another hard inquiry from XXXXXXXX XXXX on XX/XX/XXXX ; a hard inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX ; a hard inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX ; and a hard inquiry from XXXX on XX/XX/XXXX. 

The inquiries have resulted in fraudulent hard inquiries appearing on my consumer FICO credit report. I have listed these inquiries that are on the report that is being maintained by you. I do not recognize the aforementioned inquiries as reported. The aforementioned inquiries appearing on my consumer credit report that is being maintained by you was not opened, made, or initiated by me. The aforementioned 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 the aforementioned consumer 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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: SC

Complaint narrative:
I am writing to dispute the first progress account starting in XXXX late payments of XXXX XXXX and XX/XX/year> on my credit report. These late payments violate FCRA section 1681a, which prohibits the reporting of transactions. I learned the law. Reporting transactions is illegal. I do not want to sue but I enforce the credit bureau to correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: NY

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: AK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX, and Transunion Credit Report and I noticed that late payments from XXXX XXXX XXXXXXXX is still posted on my report : XXXX XXXX XXXX Account # XXXX. Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this account from my consumer report. This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 2. Negligent Enablement of Identity Fraud. 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . 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 non-monetary relief