vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent INQUIRIES XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Proof of identity I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: OH

Complaint narrative:
Checkr sent a background check to XXXX which caused my account to get deactivated by XXXX. The background check was not accurate and incomplete. It showed I had 2 accidents but did not specify that I was not the driver at fault in either accident and that I also stopped for an ambulance to get thru in the accident and the person behind me didn't see the ambulance and bumped me from behind. It even specifys this in the accident report from the police. It is nearly impossible to get thru to an actual person from XXXX or checkr to explain the inaccuracies reported. I've sent over 50 different emails between the 2 companies and can't get in touch with an actual person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had a promotional plan with a credit card issued by Comenity Capital Bank that I paid off prior to its expiration date of XX/XX/00. Their system did not apply my payments to the promotion plan even though I spoke to their representatives each time to make sure it would, and was told the system bounced them out. Since then I have called, written and emailed them to get this straightened out and keep getting monthly finance charges on the promotion I fully paid off. All I get is a form letter stating basically there is nothing they ca do. I have documentation to prove payments were made but no one will look at it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I requested for Chrysler Capital to send me a contract with my signature for alleged account. An email from XXXX was sent to me on XX/XX/2022. The attachment ( .tif ) was not readable. I responded to email asking for a PDF instead, I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the fair credit reporting act XXXX  Account # ( 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, has violate my rights. 
15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # ( 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  ), has violate my rights. 
15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
XXXX CASHNETUSA XXXX XX/XX/2022 {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # ( XXXX creditor. ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 instruction.

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, 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: ME

Complaint narrative:
In accordance with The Fair Credit Reporting act XXXX XXXX, XXXX account number XXXX has violated my rights 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

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
In accordance with The Fair Credit Reporting act XXXX XXXX, XXXX account number XXXX has violated my rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, has violated my rights. 

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

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have an XXXX [ rev.mortg. ] with PHH Mortgage Co. On XXXX I made a line of credit draw request of {$20000.00}. After about a week I started calling them asking where my funds were [ they were supposed to be wired to my XXXX checking acct. ]. I have called them every day for the past two weeks and getting a different answer every time. Three times I have asked to talk to a supervisor and was denied access to speaking to them. 
On XXXX I received XXXX wired to my XXXX acct., however I have been debited XXXX on my loan balance and have received only XXXX. I have contacted them on this discrepancy and have heard no concrete answers yet. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/22 while at a XXXX XXXX making an XXXX return I was in need of another label in order to ship back my return. I was told to call XXXX Customer Service which I goggled and called the number that popped up EXCEPT THIS WASNT XXXX CUSTOMER ASSISTANCE. It was a SCAM company impersonating XXXX, which to this day is still on goggle if you XXXX XXXX Customer Service that will tell you they have a new process in which to refund you but you must download this app ( called XXXX  ) in which they took over my cell phone and went into my credit union account XXXX and performed 2 transactions ( {$440.00} and {$490.00} ). I immediately contacted USAA ( my credit union ) and reported the incident was told they would restore the money while they investigate which they did not do. After several weeks of delays and following up on the status, I was told they denied to refund me and concluded the investigation due to : Multiple USAA system security log/records. Per the denial letter I requested the documentation used to come to the decision and after weeks of waiting received the letter quoting the above statement instead of including the documentation used to deny refunding the monies stolen from my account. My biggest complaint is I know they refunded customers for this exact fraudulent act so why was I denied. I also reported this incident to XXXX ( yet the phone number still comes up in a search to defraud other people ), I reported the incident to XXXX and the FTC where I have a case registered as well as XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I was alerted by XXXX that Truist bank had reported that an installment loan was 30 days past due. I immediately looked into my account which was on autopay since I opened the account in XXXX of XXXX, stated that my balance owed was XXXX and there were no statements for the month of XX/XX/XXXX which reflected the delinquency. Furthermore, I was never given notice before the credit marker was placed that my account was late. I immediately paid the amount that was owed, and could not set up auto-payment. I called on XX/XX/XXXX to get things clarified, however, the representative stated that they would not remove the credit marker. My credit score has dropped by 40 points due to this their bad business practices. I am currently suffering as I am in the process of obtaining a mortgage and this is putting my ability to close on a loan in peril. 

They also stated that they were to update my account information. But they never did per their email sent in early XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
It has been 270 days of me going back in fourth with Equifax on items on my credit report that are reporting falsely. And this has been a huge problem on both my credit score and my mental health. I know Equifax has taken on the role of being the authority company on everything financial. And they are failing to accurately perform their job, which is seriously hurting me. Their job is to report accurate information, and they have failed me on that. Further more when i send in a investigation request they completely ignore my concerns and keep me left in the dark on their investigation. They never provided me with their sources on how they are verifying the information either. They just continue to report this stuff. I know for a fact they haven't investigated it because the info is WRONG. They are violating me and they are doing so knowingly and willingly. Whatever system they use to investigate is failing the consumers and American people. They have a huge responsibility here and it doesn't seem like they care at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/2019

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 2022-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
on XXXX XX/XX/XXXX, XXXX XXXX had his car repossessed in our driveway while we were home. I was unaware he was struggling to make his payments, so we went outside to ask the tow truck to please leave our property and that we would get it sorted out in the morning. He refused, and continued to take our vehicle. 

The next day, Capital One XXXX XXXX told us the only way we could pay was debit or wire transfer. Since we took a {$10000.00} settlement on the car, I paid that in full and wired them the money exactly how they asked me to do so. They gave specific directions to send funds to XXXX XXXX XXXX, provided their account and routing information and i sent the funds on XX/XX/XXXX. It has been XXXX business days and they are refusing to release the vehicle back to us saying they did not receive the payment from XXXX  XXXX XXXX. My Bank ( XXXX bank ) has contacted XXXX twice which both times, they confirmed that they did in fact have the funds and that they were not sure how to process it. We provided them further info that the wire transfer was for Capital One for an auto loan settlement payoff. They ceased communication after that and continued to not process ( last communication was XX/XX/XXXX ). 

We never received any written notice in the mail on how to get our car back and no written info on the repossession as Illinois state law suggests is necessary. 

We have proof that XXXX  XXXX XXXX says they had the funds on XX/XX/XXXX, they confirmed this information on XX/XX/XXXX and requested more info that was provided the same day. They asked again on the XXXX for the same information that was sent over on the XXXX and is in the memo of the wire transfer. Both Capital One and XXXX  XXXX XXXX are committing misconduct and not complying with processing my payment. We filed for a recall on the wire transfer on XX/XX/XXXX and have not heard back yet on if they will send the payment back. Further misconduct for not returning the funds if they did not know how to process it. 

The car is set to Auction on XXXX, so we will now be losing our vehicle because of XXXX  XXXX XXXX and Capital One not processing my settlement payment on XX/XX/XXXX and we have been without a vehicle for XXXX weeks now. I have proof that the funds were paid and accepted on XX/XX/XXXX and Captial One is still refusing to release the car back to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Ive tried calling Experian to add some necessary name variations to my credit report, but they said they cant add themonly remove. That doesnt make much sense considering people get married, use aliases, etc. and my name variations are only different ways to format my full name, so it shouldnt be that much of a hassle to add. I need them added for identity verification purposes whenever a creditor pulls 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 2022-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX  / {$0.00} / XX/XX/2019

Company response to consumer: Closed with explanation