vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
REF XXXX XXXXXXXX I am a victim of identity theft. An identity thief used my personal information without my permission to open an account. This debt is not mine. I have enclosed a copy of my FTC Identity Theft Report and Police Report. 

I have attached a copy of a Warrant in Debt from XXXX XXXX, Virginia, XXXX XXXX XXXX XXXX XXXX case XXXX XXXX, that shows XXXX XXXX XXXX XXXX XXXX who you sold this account to ) & OneMain Financial XXXX LLC suing XXXX XXXX for a debt not mine. 

This information is located onlineXXXX XXXX XXXXXXXX Take Note : This case was dismissed with prejudice, attesting this debt is not mine ; therefore, I am not legally responsible for this debt. 

Your company has 10 days from receipt of this notice to remove this tradeline from all credit bureau reporting agencies. Failure to do so, reaffirms your failure to follow the court order and FCRA, FDCP, and UDAPP regulations. 


I will be seeking legal alternatives if this tradeline is not removed by XX/XX/2023 from all credit reporting bureaus. 


In accordance with the Fair Debt Collection Practices Act, you must remove this tradeline from all reporting agencies. 

I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). 

Please send me a letter explaining what you have done to : Stop reporting information about the debt to all credit reporting companies Provide me with the records I request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: NY

Complaint narrative:
I DO NOT RECOGNIZED THESE HARD INQUIRIES OR ACCOUNT HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I DO NOT RECOGNIZED THESE HARD INQUIRIES OR ACCOUNT HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: MD

Complaint narrative:
duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 1 inaccurate late payments for the XXXX XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/2019. These are incorrect and 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 the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments 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.

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 2023-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VALLEY NATIONAL BANCORP
State: IN

Complaint narrative:
I opened and funded a high interest savings account with Valley Direct. They have been advertising all over the place with 5.25 % interest rate. 
The disclosure states, " As of XX/XX/2023 interest rates are 5.25 % '' I opened my savings account on XX/XX/2023, check the account and it states that the interest rate is 5.115 % I called to inquire and all they had to say was that rates change and I know this, but they have currents ads stating 5.25 %. Several banks offer this rate, but now my money is tied up here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently reviewed my recent credit report and there were unauthorized inquiries made without my knowledge that I did not initiate. I have been violated!

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 2023-09-01 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:
When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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 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

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 2023-08-31 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. XXXX is reporting 1 inaccurate late payments for the XXXX XXXX XXXXccount ending in XXXX. These include a 30 day late payment posted in XX/XX/2019. These are incorrect and 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 the inaccurate late payments results in XXXX violating my federally protected consumer rights. To add to this, I did NOT give XXXX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-09-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my profound disappointment and concern regarding your failure to respond to my dispute, which I submitted to TransUnion on XX/XX/2023. It is distressing to note that despite the passage of time, I have not received any investigation results or communication from TransUnion pertaining to my dispute. This disregard for the Fair Credit Reporting Act ( FCRA ) obligations is a serious concern and has compelled me to seek a resolution through this complaint. In my dispute, I brought to your attention the presence of items on my credit report that I believe are not reporting accurately. I am committed to ensuring the accuracy and integrity of my credit report, and my dispute was an honest attempt to rectify the situation and have the inaccuracies addressed. However, I am deeply disappointed that TransUnion has not fulfilled its duty to investigate the dispute and provide me with the investigation results within the stipulated timeframe outlined by the FCRA. This lack of response not only violates the rights granted to me under the FCRA but also has a significant impact on my financial standing and peace of mind.

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: LoanCare, LLC
State: GA

Complaint narrative:
See attached docs for dates. I am owed {$420.00} from escrow from 2019. They sent this letter to my old address and luckily the guy who bought my house called me and sent it to me. I have reached out via email and phone number to try and resolve this matter and I sent the letter via mail back to loancare. They have not done anything about this and I have received no response over a month later. They are scamming people and withholding funds due to customers with no interest paid.

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 2023-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AUSSRQ Holdings, LLC
State: TX

Complaint narrative:
The debt of interest was incurred fraudulently under my name by my ex-wife during our divorce in XX/XX/XXXX. It was not until XX/XX/XXXX ( post divorce ) that I had learned that a loan was taken out in my name because of the steep decline to my credit score. I confirmed it was my ex-wife, XXXX XXXX XXXX, with the originating lender, XXXX XXXX. Despite the loan had been open for 8 months and no payments had been made, I had never been contacted by the company. I immediately reached out to the company to inquire about this loan and how to access the information, as I had no idea how to even login since I did not originate the loan myself. XXXX XXXX gave me instructions to login consisting of ONLY a temporary password and would not divulge the username/email for security purposes. I had attempted using my email, but to no avail. I then attempted to login with the temporary password and XXXX XXXX 's email, and I was successfully logged in ( see attached screenshot )! It had her personal email and phone number on the account, explaining why I was never contacted and verifying that she had fraudulently taken out this loan in my name - WITHOUT MY PERMISSION. so I promptly filed a police report XX/XX/XXXX ( see attached copy of report ). The investigator later called me and informed me that they could not press charges on XXXX because we were technically married, even though we were in the midst of a divorce and it was against the court orders to take out new loans/debt during that period. Moreover, XXXX paid off her own debts with this loan, abdicating her from any debt whatsoever from the divorce... Fraudulently leaving me liable for everything. I had filled notices with the credit bureaus and filed a case with XXXX. 

I followed up with XXXX XXXX on the matter and their ID theft/fraud division never responded to my requests to investigate the validity of this loan. Despite my efforts with XXXX and sending formal notices/requests, I did not receive information back from the company. I later made multiple dispute attempts with the credit bureaus and even hired XXXX XXXX XXXX to assist with removing the item from my credit. XXXX actually removed this from my credit, while XXXX and XXXX still have conflicting information on the debt ( XXXX XXXX vs. Oliphant ). Later in family court litigation, she called my attorney on the phone. The loan issue came up and said she promised to repay it ( this was recorded with XXXX XXXX with XXXX XXXX XXXX ). 

I recently learned of Oliphant filing a civil case against me in XXXX XXXX, Texas. I received one phone call from them explaining all of this information within the last 12 months ( approximately ) and was informed by the caller she would remove me from their call list altogether after the information I provided. I have not received any other form of communication from Oliphant, and have begun a new XXXX case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A & O Recovery Solutions, LLC
State: IL

Complaint narrative:
I checked my credit report on XX/XX/23 because I was denied a car loan due to a collection account. The collection agency is CCI for a XXXX XXXX XXXX. I moved away and was no longer in the service area for their service. I did not have a past due bill with them. I believe someone obtained service in my name, but this account does not belong to me. Nor should it be on my credit report. I filed a police report and was encouraged to file a report with CFPB.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-31 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: WI

Complaint narrative:
I checked my credit report and to my surprise all three credit bureau ( Experian, XXXX XXXX, XXXX are reporting inaccurate information about a bankruptcy. Bankruptcy court stated they do not report to the credit bureau attached letter

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 2023-08-31 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: FL

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2023 I made a payment from my XXXX XXXX XXXX online payment center to Barclays. The amount I intended to pay was {$700.00}. I accidently put in an extra zero and made a payment of {$7000.00}! When I discovered my error on 08/20/2023, I immediately contacted my bank and was assured that Barclays would refund the money and this is a very common procedure. 

On XXXX/XXXX/2223, I contact Barclays and I spoke to several people in the customer service department including XXXX, XXXX, and XXXX. I was told by the Barclays employees that since the payment was made by a third party, XXXX XXXX, that the money could not be reimbursed and that I needed to contact XXXX XXXX XXXX After many calls to XXXX XXXX XXXX, I was repeatedly told that no one at XXXX XXXX XXXX has ever heard of a merchant not returning the overpayment. I was also told that since Barclays has collected the money and it is now with Barclays, that XXXX XXXX XXXX can not recall the money. I requested to speak to someone in XXXX XXXX XXXX bill pay and was directed to XXXX. 

XXXX, from XXXX XXXX XXXX XXXX XXXX. called Barclays with me on the line and we were finally connected with XXXX ID # LASRPA. XXXX would not provide his last name. XXXX inquired why the money could not be reimbursed. Again, we were told that because the payment was made by a third party ( bill pay ), I would need to seek recovery from them. XXXX from XXXX XXXX XXXXXXXX XXXX XXXX reported she is in fact from XXXX XXXX XXXX XXXX XXXX and that this was not a procedure they could do since the money was in the hands of Barclays and they needed to refund the money. XXXX advised that Bank XXXX XXXX is not able to recall the funds since there was no fraud involved and that Barclays should return the funds. XXXX reported that this was a simple mistake, and it happens all the time. XXXX stated that since the payment was made from XXXX XXXX XXXX and not directly through Barclays, that the money would not be reimbursed. 

I dont understand why it matters where the money came from. The funds have been withdrawn from my bank account and now Barclays has the {$7000.00} and refuses to return it to me. I have gone around and around with this issue since Sunday, XX/XX/2023. I am not a delinquent customer of Barclays. I have always paid my bill. In fact, the minimum balance due on XX/XX/2023 is {$280.00} and I was trying to more than double the minimum by paying {$700.00}.

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