vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are 3 bankruptcies reporting on mu credit report. I did not file nor attempt these filings. The are either fraudulent and or mistakely reporting to my credit bureaus,

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 2024-07-12 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-07-12 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: AZ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-07-12 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: Westlake Services, LLC
State: FL

Complaint narrative:
I purchased the vehicle in summer of 2023 for my daughter, when she went to make her first car payment on time the lot was empty and was closed down ( American financial ) so thru the news I found out that thousands of other people were going thru the same issue and found out who the new finance co was, ( westlake portfolio ) so then my daughter started making on time payments to them ( never late ) in XXXX I went to register the vehicle cause that when it expired on my birthday and was unable to register the vehicle due to some hold on title. So now Im stuck with a vehicle thats illegal to drive and they want payments, so I let them know when I can register the vehicle they will receive a payment and they never provided it and now its stuck on my credit for there fraudulent transaction on the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry 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 non-monetary relief
Consumer complaint received 2024-07-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: NC

Complaint narrative:
I have reached out to Capital One twice in the past 4 months. I have requested that they provide me a copy of the charge off they are listing on my XXXX, XXXX and XXXX credit reports. I have also requested the amounts, the source, or explanation of where the payments from XX/XX/XXXX to XX/XX/XXXX may have come from, as these payments could not have been made by me. Nor would the XXXX, XXXX XXXX, XXXX and XXXX of XXXX. Capital One is doing this to Reage the account. This is known to be a commom practice with Captital One and is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have a checking account with Ally Bank. Shortly after opening the account, I made my first deposit ( direct deposit of my paycheck ) and made my first payment from the account to my apartments for rent. Within a few days, my account locked out. Online, it said that my username had been blocked. No reason was given. I've called Ally no less than 4 times since then, and they will not give me an adequate reason for why I can not access my funds. They claim that it is because of potentially fraudulent activity, which I am happy that they take seriously. But, I can prove where all the money in my account comes from ( deposit slips, etc ) and they still won't give me access. Literally, they have given me no clue as to how long the problem will take to resolve. When I ask them how I am going to pay my rent, buy groceries, or access my money for any other reason, they tell me I'll have to wait for the investigation to complete, again giving me no information on how long the investigation will take. When I ask them if I can talk with the investigation department, they say no. 

I am very frustrated because I have XXXX recourse for solving. I am stonewalled by their fraud department, who is a total dead end for this problem, who will not even give me a hint as to when the problem will be resolved, and who will not give me an answer for how I access my hard-earned pay. Please help.

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 2024-07-12 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: NV

Complaint narrative:
XXXX Fraud Victim Assistance XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX Assistance XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file ; as per FCRA guidelines subsection 605b. Please see a NEW FTC Identity Theft Affidavit, as well as my FBI IC3 police report. 

Accounts : XXXX XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada 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 2024-07-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my repeated efforts to raise the issue of inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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 2024-07-12 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:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR 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 XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

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 2024-07-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Penfed has charged me an ACH return fee and late payment for years I just realized. I've asked them on phone calls to change my ACH autopay but they have not. They owe me at least {$520.00}. I only have transactions back to XX/XX/year>. I request they provide a full history to see the amounts they have been charging me in return payments and late fees wrongfully.

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 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
XX/XX/2024, I called to inquire about the only charge on the account. Which was {$5.00}. I was told it was the cost to maintain the account. They allege they notified me of the charge via email and have been billing me since. I did not recieve a notification, and since they allege it was apart of the agreement and essentially is their version of an annual fee but monthly ( {$60.00} ). I did not dispute it and since i did not catch it earlier I figured it was my oversight. 

So, XX/XX/2024 a new card arrived and i went to activate it and noticed the fee has increased from {$5.00} to {$7.00}, along with the already high increase rate which is not clearly labeled on the statement any where. I call and they used the same line, we emailed you of the changes. Which was not the question I asked. I stated i never received any notification in writing regarding the changes. I also restated my question. Why were the fees increased on my account? I confirmed there were no late payments, the payments were above the minimum, etc. The representative stated that i could opt out of the increase which i promptly indicated i wished to opt out of the increase. He then states by opting it essentially closes my account. I explained wanted to opt out of the increase. He transfered me to another rep who stated she was advised i wanted to close my account for which i corrected and stated I wish to opt out of the increase in fees and charges. She places me back on hold and transfers me to anotherassociate. 

I asked if the call was being recorded at which time she could no longer speak to me because i said the call was being recorded. I countered with you all are not listening i asked if you all were recording the call. Her response then was they were not. So, i said to type this in my file. " I am reporting your frauduent and abusive behavior to the FCC. '' Not realizing it was another department that manages complaints. 

I am being taken advantage of as an XXXX XXXX by a financial institution who charges to increase your credit line, monthly maintence fees, and exoribant late fees. 

The increase rate and mainenance fees should remain constant on accounts in good standing.

Aspire Credit Card issued by XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-12 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX Account Number : XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 an account without my written instructions ) under 15 USCS 1666b ( a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ) Upon receiving a dispute credit bureaus are required to conduct a reasonable investigation Under 15 U.S.C.1681i ( A ) ( 1 ) ( a ) I request information on investigation was told they dont have any

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 2024-07-12 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: GA

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my repeated efforts to raise the issue of inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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 non-monetary relief
Consumer complaint received 2024-07-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX XXXX Incorrect DOB : - XXXX Employer - XXXX XXXXXXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR 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 TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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 kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-07-12 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: IL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I have sent VOD letters to XXXX XXXX XXXX, XXXX XXXX XXXX, Portfolio Recovery Associates, and XXXX XXXX XXXX. I received a call this morning ( XX/XX/year> ) around XXXX to be exact from XXXX XXXX XXXX XXXX Called back at XXXX. First, they could not tell me who they were calling from ( the company they are representing ) then when I brought up the VOD letter I sent them the guy put his manager on the phone and his manager started calling me names, telling me I do not know what I am talking about, saying that THEY DO NOT HAVE TO LEGALLY SEND ME THE VOD!!! Then proceeded to tell me that my VOD letter was " just found on the internet and it doesn't mean anything ''. I have not received a response from any of the other companies yet. I am still awaiting my VODs from these companies and frankly, they all have invalid/incorrect information on me such as email, phone number, etc. Therefore I would like these removed from my credit report and I would like such calls to STOP. This is a violation of my rights under the FCRA. 

NOTE TO ADD : These companies have 28 days left to send the VODs.

Company response to consumer: Closed with explanation