vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I refinanced an auto loan with Capital one in XXXX XXXXXX/XX/year>. They assumed the loan and then told me i had to go to my XXXX XXXX tax office to change the name on my title, and remove my company name. They made an appointment for XX/XX/year>, i went to the office in XXXX Texas and was told they don't accept anything like that, and XXXX XXXX Tax office does not make appointments. After several calls with Capital one, they do not have my title or have any idea here it is. I paid off the car in full in XX/XX/scrub>XXXX XXXX I would like Capital one to provide me with a title.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was a victim of identity theft and per the communication from XXXX and XXXX, I was part of a data breach. ( also for XXXX too ) I requested a freeze on my report and thought that it was taken care of but when I recently was contacted by a dealer I immediately knew that the freeze was not on per my 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 2024-02-08 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: FL

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove fraudulent inquiries from my credit report ASAP 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 2024-02-08 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent XXXX written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: TX

Complaint narrative:
i have sent letters out to transunion, XXXX, and XXXX about inaccurate information reporting on my credit report.15 USC 1681eb and 15 USC 1681i5 and request deletion of the items off my credit report. I also attach a copy of my letters below for your reference.

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 2024-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX DOBBERSTEIN LAW FIRM , LLC XXXXXXXX XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Wisconsin XXXX Pursuant of the Fair Debt Collection Practices Act under U.S.C. Section 1692a ( 6 ) the definition of a creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does NOT include any person to the extent that he receives an assignment or transfer of a debt on default solely for the purpose of facilitating collection of such debt for another. Therefore DOBBERSTEIN LAW FIRM  and XXXX XXXX has violated my right not only to privacy but as falsely acting as both a debt collection agency as well as an attorney law firm. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-02-08 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: SC

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 is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-02-08 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: SC

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 is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I called the company about up to date the information on payment arrangements so they can send information to the credit bureau to post that I have paid on time and update on the loan amounts should change. When I called customer service and spoke with a lady, she stated that they don't have to update to the bureau until the balanced is XXXX, then they would report it. I did file for dispute with the company twice and no respond. I filed disputes with the XXXX credit bureau which they put my credit score on hold for 30 days, when they responded and stated that they was still waiting for the company to response. I would had to file again. I have the payments conformation statements, and payment arrangements on file. please help so I can correct my credit score to show that I have made payments.

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 2024-02-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
I purchased XXXX XXXX XXXX XXXX from XXXX in XXXX RI. They financed through Toyota Motor Credit. I paid off loan early @ XX/XX/XXXX. I received title but they did NOT send me clean title - title still shows lienholder of XXXX. I have financed many vehicles in my lifetime and have ALWAYS been provided with clean title. XXXX is having me go to State DMV to have me obtain and pay for a clean title. Didnt I already pay for this service when I financed through XXXX? I have contacted TMC and voiced my displeasure and told them I would be contacting your office. I would appreciate any assistance you can provide in having them provide me with a clean title. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: OH

Complaint narrative:
I asked this company to stop calling the first time I answered their call, I had to argue with a man who basically told me I dont pay my bills. Come to find out he didnt remove my number like I asked so I received a call onXX/XX/XXXX & XX/XX/XXXXXX/XX/year>

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 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
This is day three of asking for my funds to be released plus the interest. I need my funds released or a representative to getvin contact with me and release the funds within a week. I am contacting a lawyer to get involved as how ridiculous you guys play and manage your company and your own money disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Got an alert from XXXX XXXX changes of changes to my credit report on XXXX pulled my reports from XXXX. 
I called Transunion and asked for fraud department and was told I needed a FTC or police report and needed to send copy of Identification, ( DL ) and copy of Social Security Card and either a current bill or bank statement.

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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
Around the end of XX/XX/XXXX I opened a card with Citibank and initiated balance transfer from another account with XXXX. As of XX/XX/XXXX this transfer is now on my Citibank account and I am paying on that account. However, there is no credit on the XXXX Account and XXXX states no credit has been sent to them. I have reached out multiple times on for the results of an investigation by Citibank and keep being told it will be a further " XXXX business days. '' There is no one who can give me any actionable information and there is no offer to expedite this.

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 2024-02-08 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: FL

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-08 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
There has been a lot of transactions occurring on this particular account due to my nature of work. I have needed to file several disputes because of merchants having the debit card on file and making unauthorized transactions. However, my latest complaint is against the bank itself. The account was overdrawn by {$120.00} on XX/XX/XXXX, I deposited {$100.00} on XX/XX/XXXX and received an email stating that I had until midnight XX/XX/XXXX to deposit the {$22.00} which I actually deposited {$40.00} on XX/XX/XXXX at XXXXXXXX XXXX ( text msg receipt from Wells Fargo Bank ). On XX/XX/XXXX at approximately XXXXXXXX XXXX  Wells Fargo Bank placed an overdraft fee on the account which is incorrect and their bankers don't seem to comprehend very well. In addition, I have some other discrepancy about two other transactions on the account from XX/XX/XXXX. I was given two provisional credits ( which were taken back ), I received a letter from Wells Fargo to send in documents confirming the merchant wasn't supposed to receive the payment ( something to that extent ) I sent in the documents never received back the credit. When I called to check the status it went from them needing documents to the funds were never actually taken out of the account which to my knowledge seems to be incorrect.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Om XX/XX/year> I called into Experian to report that due to them allowing a creditor to post a collection on my account that by experians own records had XXXX possibility of being true and accurate, I had detrimental consequences of being declined for credit bc of the fake collection and also having my current XXXX account restricted due to the serious delinquency and collection account that showed on my report when they pulled my credit a few weeks back. I simply asked then to please supply XXXX XXXX, XXXX XXXX  and any other creditor that has gotten a copy of my report a new one that reflects the updated and deleted information. I was on the phone the XXXX time with a woman for XXXX minutes who put me on hold for what she said would be XXXX minutes and turned out to be XXXX minutes and then she came back to the line and hung up, no return call. I then called back and am currently on the phone with another representative who is also in another country with a serious language barrier and no knowledge of the US laws. The call has been going on for XXXX minutes and I've been on hold again for XXXX min asking for a manager or supervisor. This representative said that they have to follow the laws of the government and they are not allowed to make creditors who obtained my report recently aware of the updated information. When i explained to them that XXXX had told me to do this and that it also states on the FTC website that IF there are any changes or updates to a credit report after a dispute the NCRA are REQUIRED to provide XXXX creditor who obtained a copy of my credit report in the last XXXX months with the updated and corrected information if I request it, he responded that he is just in the dispute department and doesn't deal with the laws and suggested that I file a fraud complaint with them and file a dispute with XXXX. Neither of those options make any sense whatsoever and contradict the policy of the FTC. This system is beyond corrupted.

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 2024-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: New Century Auto Sales, Inc.
State: IN

Complaint narrative:
My car have been theft and in an accident. I am reaching out to this company to get compensated for my warranty. They are giving me a hard time of getting the funds. I spoke with XXXX and XXXX and they gave me a email to reach. I reach that email and I have not heard anything back to get the proper compensation applied XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
I purchased my vehicle XXXX  from XXXX. XXXX sold my personal information to a XXXX party debt collector I noticed the contract was fraud so I requested from the debt collector 15 U.S. Code 1692g - Validation of debt sent under certified mailing XXXX  I informed the company of 18 U.S. Code 8 - Obligation or other security of the United States defined, I sent the company Affidavit Of Truth received XXXX via Certified mailing. Notice of fault in Dishonor received XXXX via certified mailing.

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 2024-02-08 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: NC

Complaint narrative:
The particular accounts position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sue to present facts that this is being reported efficiently as per the Fair credit Reporting Act regulations. I have done many attempts to reach out the Experian Credit Bureau but the failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022 .

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 2024-02-08 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: CA

Complaint narrative:
I was looking into my credit report the other day and what I found made me very XXXX then I was overwhelmed with helplessness. During my investigation I found evidence that the agencies did not their job of verifying the accuracy of their reportings and this is causing me a lot of stress and XXXX because what they are reporting is entirely 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 2024-02-08 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:
I have been going through troubling times. I haven't been able to receive any financial help through my credit due to false information reporting on my credit. This Account has several inaccuracies that relies within it and after asking to verify and remove the problem was never fixed. 
In Accordance to the FCRA ( Fair Credit Reporting Act ) 15 U.S.C. 1681, requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy Standards for creditors that provide data to agencies.

Cleary this law was not followed through, if I am STILL seeing inaccurate information on my credit reports till this day. Each of the credit bureaus is not correlating with each other and I am suffering due to incorrect and inaccurate information that is reporting, when this account was not mine in the first place. 
Inaccurate Accounts listed and the bureaus that's reporting it inaccurately : 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 How is this report considered accurate when the account number doesn't even match.

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