vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
ACTUALLY AFTER READING THE FULL LETTER THAT CAPITAL ONE PROVIDED I AM NOT HAPPY WITH THE RESULTS. AFTER READING THROUHGHOUGLY. IT SAYS THEY ARE NOT GOING TO TAKE OFF THE NEGATIVE INFORMATION ON MY CREDIT. NOW XXXX. XXXX GOING TO TELL YOU LIKE THIS. XXXX NOT PAYING ON THESE CARDS NO MORE AND XXXX CANCELLING ALL FUTURE PAYMENTS AND AUTO DEBIT. I HAVE TOLD YOU ALL MORE THAN ONCE THAT XXXX XXXX AND XXXX AND YOU ALL HAVE NOT OFFERED ME ANY KIND OF ASSISTANCE BUT INSTEAD HAVE MY CREDIT KEEP DECLINING BECAUSE I CANT PAY ON THEM. ALSO AFTER THAT LAST INCIDENT THAT I WROTE ON HERE ABOUT. XXXX STILL NOT HAPPY WITH OUTCOME. SO SOMEONE AGAIN FROM THE XXXX OFFICE PLEASE CALL ME BECUASE XXXX XXXX XXXX AROUND WITH YOU ALL YOU ALL KEEP DROPPING MY CREDIT BECAUSE I CANT PAY AND HAVE MENTIONED THAT MORE THAN ONCE TO YOU ALL, THEN IN TURN STILL FILED COMPLAINTS ON YOU ALL.. NOW WHAT XXXX ASKING AS THAT YOU ALL REMOVED MY CREDIT CARDS FROM MY CREDIT REPORT BECAUSE YOU ALL ARE INACCURATELY REPOTING INFORMATION AND NOT HELPING ANY OF YOUR CUSTOMERS WHO MENTION THEY ARE HAVING FINANCIALY HARDSHIPS. GO PULL ALL MY CALLS AND EMAILS. I CAN NOT PAY YOU ALL. XXXX A XXXX AND NOT WORKING.. WHAT ALL DONT YOU GET. THINGS HAPPEN. AGAIN. AS OF THIS VERY MOMENT. XXXX CANCELLING ALL FUTURE PAYS ON BOTH CARDS ENDING IN XXXX AND THE XXXX CARD BECAUSE IT MEANS NOTHING IF I PAY A LITTLE A TIME. YOU ALL STILL RUIN MY CREDIT. DROPPING IT XXXX POINTS MONTHLY AND IVE REACHED OUT ... .JUST DELETE THESE PLEASE FROM MY CREDIT AS I HAVE READ THE LAST LETTER AND I DONT AGREE WITH IT. SO NO, REMOVE THEM FROM MY CREDIT NOW BOTH CARDS BECAUSE YOU ALL INACCURTELY REPORTED INFRMATION ON MY REPORTS FROM ALL BUREAUS AND IVE CALLED INTO YOU XXXX AND TOLD YOU MY SITURAITON. SO NOW XXXX NO LONGER GOING TO PAY ILL BE WAITING ON A CALL AND ILL DIPSUTE EVERYTHING THAT COMES MY WAY WITH THIS CAPITAL ONE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and financial reputation.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please help me with this erroneous account reflected on my credit report. It's affecting my reputation, and I seek your assistance.

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 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, someone was unauthorized withdrawn my checking account. They made XXXX unauthorized withdrawals for {$600.00} & {$500.00}. The bank told me that they used our IDs to make withdrawal in person at the tellers in the XXXX XXXX branches. 

We had a trip to XXXX XXXX  from XXXX XXXX. We had proofs of flight ticktes, hotels, XXXX XXXX XXXX credit card transactions in XXXX at the time of the frauds incurred in XXXX. 

We called to report the frauds on XX/XX/XXXX, and filed the claims. The bank asked us to wait for 90 days for the investigations. On XX/XX/XXXX, we called to check the status. They told us no claim was filed. So we opened the claim again.

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 monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a letter from Wells Fargo that my card would be closed soon due to inactivity. I called a rep from Wells Fargo customer service back in XXXX as I was having issues with the card not working and I needed a new card to keep the acct open/active. She mentioned that the card was about to close and if I wanted to keep the account opened. I informed them yes and would wait until the new car was received in the mail. Two weeks later, I received a credit alert that Wells Fargo closed the card and I never received the new card. This has caused my revolving usage to increase significantly and my credit score to drop. I never received any communication from Wells Fargo and when I called about this information they replied saying it was too late to reopen the account. I was informed that I would have to apply for a new credit card. I have asked for this to be escalated and have yet to receive a call back. I have had the credit card account for over 15 years and my credit score/history has been significantly impacted as a result.

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 2024-07-29 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: PR

Complaint narrative:
Remove this account for violation because it is a collection account showing an amount past fue an a complete payment history XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc.
State: MA

Complaint narrative:
I opened a credit card and a credit history tracking subscription through a company called XXXX XXXX. Upon paying the subscription fee of {$70.00} per month, and also connecting my bank account details and sharing my social security number, the website seemed like a scam because nothing was functioning correctly. My credit score couldnt be pulled, when I connected my account, on some of their sites it would show up, but on the main page it would continue asking me to link my accounts. In addition, The website kept telling me my password was incorrect which it was notand when I changed my password twice through their password reset it was clear their website was the problem, and not a user error. As a consumer financial service this is highly unnerving because of the confidential information they have. This made me want to cancel and delete my account all together. And this is where the biggest problem lies. As hey have a {$70.00} per month subscription, it doesnt allow users to change or cancel their subscription online on their account nor does it allow users to delete their private information. Instead it asks for consumers to go through a help email which goes unanswered for MONTH on end, XXXX THE WHILE STILL CHARGING THE SUBSCRIPTION FEE. WHICH IS FRAUD. 

This coupled with the fact that this company now has all my banking and social security details, makes me very uneasy and worried for not only my but other consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
Date of XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  Turned over to Louisiana Recovery Service in XX/XX/XXXX by original creditor. Collection agency did not contact me via mail or telephone concerning the debt except for a letter dated XXXX AND reported debt to credit reporting bureau prematurely. 

When I spoke to the agency on XXXX, the manager XXXX, stated that the debt was " reported 365 days after the date of service '' Effective XX/XX/XXXX, medical debt collections over {$500.00} can not be reported until they are at least 365 days past the first delinquency. I believe that this company has violated the Fair Credit Reporting Act and my consumer rights under the Fair Credit Reporting Act

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item to immediately re-investigated. The inaccuracies are highly injurious to my credit score. ( XXXX XXXX XXXX Account Number : 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 2024-07-29 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: TN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
My XXXX card was stolen before it arrived in the mail and activated and used. I found this out on XX/XX/year> when I called Money Network. The amount taken was XXXX. They issued me a new card but rejected my disrupt claim saying that the purchases were digitally verified. I have never set up a on our activated a card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have sent Experian the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent accounts immediately. 

XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
XX/XX/year>, I was told I would be a payee on a business loan from someone I met online. 
He said he had the loan with OneMain Financial. They requested I needed to open an account with OneMain to be a payee. I started sending money via cashapp as that is how they requested I send the money. 

I have continued to do this up until now. I have been in communication with judges, directors, officers, and now the XXXX XXXX 

I believe this is a loan scam as they are requesting the money immediately, they do not care if I dont have money in my bank accounts, they are requesting to be sent via XXXX & they are extremely aggressive at times. 

They also can not type texts or any documentation correctly. 

I have attached all the XXXX statements and the documentation letters I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The duty pursuant to the FCRA, it TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting XXXX inaccurate late payment for the XXXX XXXX XXXX XX/XX/XXXX account ending in XX/XX/XXXX. This includes a 30 day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate reporting of late payments on XXXX XXXX XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.

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 2024-07-29 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: FL

Complaint narrative:
As a victim of debt bondage, a severe form of XX/XX/XXXX. I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX XXXX, an organization dedicated to helping XX/XX/XXXXXX/XX/XXXX Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from tXX/XX/XXXX once an official claim has been submitted. 

XXXXXX/XX/XXXXAccount number # XXXX XXXX XXXXXX/XX/XXXXAccount number # XXXXXX/XX/XXXX XX/XX/XXXX account # XXXXXX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXXaccount # XXXXXX/XX/XXXXccount # XXXX XX/XX/XXXXaccount # XXXX XX/XX/XXXXXX/XX/XXXX account # XXXX XX/XX/XXXXaccount # XXXX XX/XX/XXXXaccount # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXXaccount # XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT . PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXXIN PERSONS OR XXXX XX/XX/XXXX. IF THE CONSUMER HAS PROVIDEDXX/XX/XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX | DOCKET NO. XXXX | XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OFXX/XX/XXXX( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been a victim of identity theft and these accounts and inquiries are a result of this crime. XXXX XXXX {$1600.00} XXXX XXXX XXXXXX/XX/XXXX {$20000.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX

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 2024-07-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX L XXXX XXXX XXXX XXXX XXXX 
XXXXXX/XX/XXXXXXXX Account # [ XXXX ] XX/XX/year> Dear CFPB, I am writing to file a complaint against XXXX XXXX for violating my consumer rights. 
I allege that XXXX XXXX has : Failed to provide validation information as required by 15 USC 1681i ( a ), specifically 12 CFR 1006.33 ( b ) ( 5 ).

Placed a collection account on my consumer report with
out providing me the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Engaged in false, misleading, and deceptive practices in their collection efforts.

Furnished information to consumer reporting agencies without providing required disclosures as required by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ). 
Continued to attempt collection of a debt beyond the statute of limitations for the state of XX/XX/XXXX 
I am disputing the entire debt owed to XXXX XXXX and revoking their authorization to communicate with me via email, text, or phone. I am requesting the original purchase agreement between XXXX XXXX and the original creditor, as wel as proof of XXXX XXXX licensing and bonding. 

XXXX XXXX XXXX im requesting the purchase agreement the original documentations I am requesting that the CFPB investigate these allegations and take appropriate action against XXXX XXXX. I am enclosing copies of supporting documentation for your review. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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