vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.

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 2024-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I wass advised through and escrow analysis on XX/XX/XXXX that my escrow account was short {$1200.00}. I have owned the home for over 10 years and I have never been short in escrow more than {$300.00}. When I called Wells Fargo who holds my mortgage that I was doisputing the amount, they told me that the escrow was short because my homewoners insuracne increased {$600.00} for XXXX. I advised them that the increase in inusrance was correct but that shouldnt cause an escrow shortage of {$1200.00}. They told me they were collecting for XXXX and XXXX since they anticipated the same amount for XXXX. But then they said even if I pay the escrow shortage, my mortgage payment will still go up close to {$60.00} per month since they would now be collecting for XXXX homeowners insurance. I advised them that they never did tht in the 10 yers I have had the loan. Whenever I paid an escrow shortage, the monthly payment would not increase. How are they collecting for XXXX when we re not even in XXXX? I want this corrected.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was never late on the accounts that are listed below along with date please show me documentation showing proof of transaction showing that I was ever late to support your inaccurate reporting on my consumer report. If you cant supply the previous request please correct status to " paid as agreed/current ''. XXXX. XXXX XXXX ( XXXX ) - XX/XX/XXXXXXXX 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 2024-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Original contract terms established and signed on XX/XX/XXXX for a total finance amount of {$25000.00} with {$5000.00} rebate. Dealership representative told me that a cash down payment of {$1500.00} would be mandatory for the completion of the deal. I was also informed that I would I have to acquire my own insurance for the car before I could drive off the lot although I was charged {$2300.00} for XXXX XXXX XXXX XXXX insurance for the car. 

On XX/XX/XXXX, the car was repossessed from in front of my private residence with all my belongings in it by a third party totaling a loss of - {$1400.00} in personal possessions after Capital One illegally shared my information without my permission or written consent. 

At the time the car was sold on XX/XX/XXXX for {$13000.00} the loan amount was {$26000.00}. I was informed of this through a " Explanation of Calculation of Deficiency '' letter from Capital One dated XX/XX/XXXX stating that I still owed {$11000.00} after the sell of the car. At the time the car was sold, I had made payments totaling {$7700.00}. 

Over the past the couple of years, I have been harassed by third parties who were illegally given my information by Capital One, which is a violation of my rights. Some of those companies are XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

After being denied a loan due to the repossession earlier this year, I looked at my credit report and found that Capital One had allegedly charged off the full amount of the loan for {$25000.00} on or around XX/XX/XXXX according to XXXX, which is the total amount financed. Not accounting for any payments/interest payment made to them. 

I have contacted Capital One to help me resolve this issue and stop the harm being done towards me and my personal credit report. I do not understand how they have charged off the total amount of the loan but still reporting that I owe them {$9100.00}. 

In XXXX I sent a letter to rescind my contract, they informed me that I still owed the amount and everything was appropriate with my account but did not answer my question or assist in resolving the issue. 

In XXXX, I sent a letter requesting a 1099-C for the year of XXXX showing the discharge of debt because I have not received one for tax purposes. 

I believe is a violation of 15 U.S.Code Sec. 1605 ( a ) ( b ) ( d ) ( e ) ], 15 U.S.Code 1635, 12 CFR 1026.3 and my right to privacy and identity securement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery associates has not proved that the debt on my credit report is valid. After multiple attempts over the last several years and no response or information was ever given. I have asked for all the information regarding the account and the balances on the account. Never got a response when I did get a response it was we called you we reached out to you but I never have received any calls, emails, letters in the mail, and they have had all my correct contact information. They have not responded, about the debt not being valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX I made Transunion aware of the misleading and inaccurate collection account from XXXX XXXX XXXX alleging a debt in the amounts of {$3800.00} and {$1100.00} they are reporting on my credit report. Ive requested Transunion and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. 

Ive disputed this account, and it has been well over 30 days for transunion to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit file immediately. 

By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. Trans union has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) Transunion Is in violation of FCRA and if they fail to comply and delete this information from my credit file, they must be held liable per 15 usc 1681n

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 2024-10-23 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 am reaching out for your assistance with an incorrect account on my credit report that is damaging my standing as a customer. I want these accounts removed, as they are being reported in a false and harmful manner.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out for your assistance with an incorrect account on my credit report that is damaging my standing as a customer. I want these accounts removed, as they are being reported in a false and harmful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CO

Complaint narrative:
This company has threatened harrrased and cohersed us to pay more ate fees interest charges and repossession fees after already paying repossession twice! 

The harassment after a cease and desist makes them liable for all penalties and they are harassing someone with a XXXX. 

I want this loan written off immediately and title sent. This has gone on long enough and they have charged 5 times the value of vehicle. If not stopped they will continue to take advantage of innocent consumers across XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NV

Complaint narrative:
NAME : XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email Address : XXXX XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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 2024-10-23 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: DC

Complaint narrative:
I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: MA

Complaint narrative:
Discover is reporting inaccurate and incomplete credit information which is now negatively affecting my livelihood. 

OFFENSE 1 : Discover is reporting my account as " charged off '', however, I never received a 1099-C ( cancellation of debt ) which is a lawful requirement explained in the IRS 2021 publication if they are reporting a charge off.

The below paragraph is taken directly from the IRS 2021 publication : " The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. '' OFFENSE 2 : Discover is reporting grossly inaccurate consumer information.

Whether or not I receive a Form 1099-C from Discover, any cancelled debt must be reported as gross income on my tax return. 

The IRS clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes Discover 's reporting of my account inaccurate. 

Discover has a DUTY to report accurate consumer information under 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies. The below paragraph is taken directly from this federal statute.

" 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. '' Discover 's failure to lawfully produce a 1099-C ( cancellation of debt ) document while reporting a canceled debt to the three major credit buries proves THEY ARE KNOWINGLY providing inaccurate consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Lvnv funding keeps threatening me claiming my debt is with them solely. They have bought my debt i have no signed any papers with lvnv claiming this debt they refuse to remove debt i don't owe them and they keep threatening to have me sued and jailed over debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agency , to block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Secured loan at XXXX XXXX on XX/XX/XXXX under the account number ( private ), And that resulted in collections with a balance of {$2300.00}, and a personal line of credit account opened at XXXX XXXX on XXXX. XXXX, XXXX under account number ( private ) and that resulted in collections with a balance of {$360.00} ( private ) that appears related to the aforementioned personal line of credit account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
HAVE XXXX CREDIT CARD WITH WELLS FARGO SENT THEM NUMURIOUS FINANCIAL INSTRUMENTS,1099C AND 1099A TO SET THE CARDS OFF, THEY KEPT THE FINANCIAL INSTRUMENTS AND KEPT CALLING EVERYDAY FOR PAYMENT CEO NEVER SET THE ACCOUNT OFF REQUESTED FOR THE FINANCIAL INSTRUMENTS BACK THEY NEVER SENT THEM THEY CALL EVERYDAY TELLING ME IM IN DEFAULT.THEY CLOSED MY CARDS DOWN AND CONSTANTLY SENDING LETTERS FOR PAYMENT, THEY HAVE NUMURIOUS OF FINANCIAL INSTRUMENTS AND WILL NOT SET OFF THE ACCOUNT. 

# 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 2024-10-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/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