vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion continues to report on my credit report the XXXX XXXX accounts # XXXX and # # XXXX even though I have provided them with evidence both verbally, via telephone, and in writing that the XXXX XXXX XXXX Department investigated these accounts and found that they were opened fraudulently and without my authorization. An XX/XX/XXXX letter from XXXX XXXX ( attached ) states that they have informed TransUnion to remove these accounts from my credit report due to this fraudulent activity. Unfortunately, TransUnion continues to list these accounts on 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 non-monetary relief
Consumer complaint received 2023-09-09 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: MD

Complaint narrative:
I previously disputed a bankruptcy that is being reported on my 3 credit reports. I reached out to NC Bankruptcy court and they verified that they do not report to the credit bureaus. In a previous dispute, the credit bureaus lied and stated the courts verified the information as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I.m dispute this amount {$640.00} that was unnecessary charge. When the account was close and i dont owned anything on this account and amount with the companyXXXXXXXX XXXX XXXX and under collections and i.m dispute this amount {$640.00}...

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 2023-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
On or about XX/XX/2023, XXXX contacted me via mail in an attempt to collect an alleged debt. XXXX claims that I am obligated to pay an alleged {$680.00} balance, yet they fail to provide any account information associated with this alleged debt. Under 15 U.S.C. 1693a ( 2 ), it is explicitly defined that an " account '' does not include an occasional or incidental credit balance in an open-end credit plan.My concern arises from XXXX 's false and misleading representation, as well as their use of unfair and unconscionable means to collect an alleged debt. It is clear that XXXX has mischaracterized this situation by referring to the alleged debt as an " account. '' The term " account '' has specific legal implications, as outlined in 15 U.S.C. 1693a ( 2 ), and XXXX 's misuse of this term is both misleading and unlawful.In accordance with 15 U.S.C. 1693a ( 2 ), the term " account '' is explicitly defined as follows : " The term 'account ' means a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open-end credit plan as defined in section 1602 ( i ) of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement. " It is abundantly clear from this legal definition that no consumer has an " account '' with a debt collector by operation of law. XXXX 's misrepresentation of the term " account '' in their collection attempts is not only deceptive but also in direct violation of the Fair Credit Reporting Act ( FCRA ) .I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX for their misleading and deceptive practices. Furthermore, I request that you provide guidance and oversight to ensure that debt collectors adhere to the accurate and legal use of terms, particularly the term " account, '' when attempting to collect alleged debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION/XXXX  Account Number XXXX, XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account Number XXXX, 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 an 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 2023-09-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION/XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account Number XXXX, 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: SC

Complaint narrative:
Under the Fair Collections Act 12 CFR 1006 it states to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. XXXX XXXX willing purchased a debt and is incorrectly reporting it I've never had a contract with XXXX. I would like all original contracts provided in writing. I would also like the proof of sell of the vehicle from XXXX XXXX. EQUIFAX has said they verified the balance, dates and contract but has not given me a written documents has requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Delete all errors on credit report and my scores

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Comerica
State: CA

Complaint narrative:
Had money sent to me on XXXX. My account said click here to enroll and recieve money. No matter what I try it will not send the code. There customer service told me it's an issue on there end showing my carrier is disconnected. They said there is nothing they can do. They refuse to refund the that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: TX

Complaint narrative:
I paid of my car loan in mid XX/XX/2021. Did not receive lien release then. 

I have now moved to Texas and can not get my car registered. It is 4 months late without tile. I have been after the company for 2.5 months and made multiple requests for title but have not received it. 

The company is Westlake Financial out of Texas. My license number is XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: AL

Complaint narrative:
I have serval unauthorized credit inquiries that I have no knowledge of and would like to remove them.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: FL

Complaint narrative:
When Checking credit report I have been made aware from companies that there is a charge off balance on my account that is closed. I have reached out many of times to this company asking for the original signed contract not a copy, Truth and lending statement, and Validation of this charge off amount. No one ever responded. No one can find my information via phone as well as no response to letters sent. I did not consent for the credit bureaus to report this information on my credit report casuing me to miss out on business opportunities from various banks, This is a violation. 15 usc 1681a2, I did not give authorization or permission for XXXX, XXXX or XXXX to furnish this account on my credit report. I am requesting it be removed and pay damages of XXXX each credit bureau for this violation made out to XXXX XXXX XXXX XXXX. We would rather resolve this issue immediately before taking further action.

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 2023-09-09 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: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have had a Bank of America Credit Card since XXXX ending in XXXX. It was upgraded at some point to a Rewards Card. Then, at some point, I did not realize it, but Bank of America opened a second credit card for me in XXXX ending in XXXX and allowed my previous, original card to lapse XX/XX/XXXX. I only realized it when a replacement card came for the one in XXXX. I am furious about this. I did not give authorization for Bank of America to open a second credit card in my name. To make matters worse, I just saw there was a lawsuit against Bank of America for this very thing. What can be done?

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 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
Properly mobile deposited a two party check and they are refusing to unlock card so I can use my money because of verification reasons. When we have explained to them that it was my boyfriend and his phone number they are saying its not popping up for them. We called his phone provider XXXX and XXXX and they said everything was correct and under his name but they still for some reason cant pull up his info linked to that phone number. Im about to take legal action over this because they are withholding {$2000.00} dollars of our money. I had multiple reps in the fraud department hang up on me when I asked for a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
they sent me a letter in the mail saying i was preapproved for a car at XXXX XXXX and when i tried to get a vehicle they did not want to finance the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: 1803 Capital, LLC
State: LA

Complaint narrative:
THIS 1803 CAPITAL LLC AND XXXX XXXX  IN CONCERT AND SYSTEMATICALLY HAVE COMMITTED EVERAL FRAUDS. I WAS GIVEN FALSE AND DECEPTIVE INFORMATION AS FOLLOWED : 1. I WAS ILLEGALLY OVER CHARGE BASE ON LOUISIANA LAW FOR THE YEAR OF VEHICLE AND THE AMOUNT FINANCE IN CONJUCTION WITH THE INTEREST I BELIEVE 22 % IS THE HIGHEST BUT THE CHARGED ME 24 %. WHICH MAKES THE CONTRACT VOID. 2. THEY FORCE ME TO MAKE A XXXX DOWNPAYMENT BECAUSE THEY STATED " MY CREDIT WAS NOT STRONG ENOUGH ''. WHICH IS ILLEGAL BECAUSE 15 USC 1605a STATES THAT A FINANCE CHARGE IS THE SUM OF ALL CHARGES. I WANT MY MONEY BACK FOR THE DOWNPAYMENT. NOR DID THEY GIVE ME EQUITY IN MY CONSUMER CREDIT. XXXX. I WAS NOT GIVEN A PROPER TRUTH IN LENDING STATEMENT NOR WAS I TOLD THAT I HAVE 3 DAYS TO RESCIND THE CONTRACT. THE PROCESS WAS NOT TRANSPARENT UNDER 15 USC 1602 ( i ) THIS IS A CONSUMER CREDIT TRANSACTION NOT A LOAN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
3 fraudulent transactions were denied reimbursement. They clearly are fraud as the employees agreed but they sent a letter saying they were authorized or a processing error did not occur. 3 XXXX totaling {$4000.00} happened using my debit card number. I still had my card when trying to withdraw money. I had to force the manager and do something about the leftover balance. So I withdrew the remaining balance of XXXX and change. They didnt seem worried but I said they might try and use the renaming balance. Surprised that they denied reimbursement. My data had been stolen. Perhaps by a Wells Fargo employee.

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 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I keep receiving statements in the amount of {$10000.00} on an American Express for which I have never had or applied for. It is showing on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: AL

Complaint narrative:
I have serval unauthorized credit inquiries that I have no knowledge of and would like to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp
State: WI

Complaint narrative:
This company is reporting information that for one doesnt belong to me and inaccurate addresses as well. Who is this company? Are you able to give me information on them? They are reporting an eviction thats inaccurate and I never gave them permission to report anything on my behalf! I have never heard of this company and I am a victim of identity theft! Please advise me why and who this company is reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: MD

Complaint narrative:
I previously disputed a bankruptcy that is being reported on my 3 credit reports. I reached out to NC Bankruptcy court and they verified that they do not report to the credit bureaus. In a previous dispute, the credit bureaus lied and stated the courts verified the information as correct.

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 2023-09-09 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: MD

Complaint narrative:
I previously disputed a bankruptcy that is being reported on my 3 credit reports. I reached out to NC Bankruptcy court and they verified that they do not report to the credit bureaus. In a previous dispute, the credit bureaus lied and stated the courts verified the information as correct.

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 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Noticed an unauthorized transaction on my debit card reported it to Huntington they reissued my debit card and disputed the charge. Then they reversed and reapplied the unauthorized charge to my account. I called them again to get clarification what the issue was and why this happened. Agent told me they denied it because it is consistent with my account activity I advised that I dont understand what that means then they asked me did I lose my card I said yes. Then the agent told me they will get it reopened for me. I still dont have a resolution. I will not be paying for a charge I did not make.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09 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: FL

Complaint narrative:
When Checking credit report I have been made aware from companies that there is a charge off balance on my account that is closed. I have reached out many of times to this company asking for the original signed contract not a copy, Truth and lending statement, and Validation of this charge off amount. No one ever responded. No one can find my information via phone as well as no response to letters sent. I did not consent for the credit bureaus to report this information on my credit report casuing me to miss out on business opportunities from various banks, This is a violation. 15 usc 1681a2, I did not give authorization or permission for XXXX, XXXX or Transunion to furnish this account on my credit report. I am requesting it be removed and pay damages of XXXX each credit bureau for this violation made out to XXXX XXXX XXXX XXXX. We would rather resolve this issue immediately before taking further action.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When Checking credit report I have been made aware from companies that there is a charge off balance on my account that is closed. I have reached out many of times to this company asking for the original signed contract not a copy, Truth and lending statement, and Validation of this charge off amount. No one ever responded. No one can find my information via phone as well as no response to letters sent. I did not consent for the credit bureaus to report this information on my credit report casuing me to miss out on business opportunities from various banks, This is a violation. 15 usc 1681a2, I did not give authorization or permission for XXXX, Equifax or XXXX to furnish this account on my credit report. I am requesting it be removed and pay damages of XXXX each credit bureau for this violation made out to XXXX XXXX XXXX XXXX. We would rather resolve this issue immediately before taking further action.

Company response to consumer: Closed with explanation