vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
WAKEFIELD AND ASSOCIATES CONTACTED ME MULTIPLE TIMES in or around middle of XX/XX/year> at inconvenient hours & claimed I owe debt they obtained illegally. I expressed to them the violations committed, such as XXXX privacy, unauthorized accusations of personal property and demanded them to cease & desist. Approximately XXXX  month later I notice the collections section on my credit report for XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I went to car dealership to purchase a car, I pulled my credit report from all XXXX bureaus ( XXXX, XXXX and TransUnion ) XXXX XXXX XXXX was over XXXX points lower than the other XXXX, XXXX XXXX XXXX was over XXXX points lower on the dealership report than the report I pulled from their website on the same day, TransUnion XXXX XXXX did not reflect what was on the report the dealership pulled was XXXX points different the same day. A lawsuit needs to be filed against ALL XXXX credit bureau and XXXX XXXX. These companies are unfairly reporting information and miscalculating credit scores. My XXXX XXXX on XX/XX/XXXX from XXXX was XXXX, XXXX XXXX and TransUnion XXXX no activity until XX/XX/XXXX and ALL XXXX are under XXXX points.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I went to car dealership to purchase a car, I pulled my credit report from all XXXX bureaus ( XXXX, Equifax and XXXX ) XXXX credit score was over XXXX points lower than the other XXXX, Equifax credit score was over XXXX points lower on the dealership report than the report I pulled from their website on the same day, XXXX credit score did not reflect what was on the report the dealership pulled was XXXX points different the same day. A lawsuit needs to be filed against ALL XXXX credit bureau and XXXX XXXX. These companies are unfairly reporting information and miscalculating credit scores. My credit score on XX/XX/XXXX from Equifax was XXXX, XXXX XXXX and XXXX XXXX no activity until XX/XX/XXXX and ALL XXXX are under XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: SC

Complaint narrative:
CREDIT BUREAU : TRANS UNION/ TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. XXXXRANS UNION/ TRANS UNION LLC HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. 
I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER 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 2024-08-26 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: LA

Complaint narrative:
Please help me! I noticed inquiries on my report that aren't mine. This is hurting me and my family deeply. Please remove them from 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
my information is being use on the XXXX XXXX XXXX, it is ruining my reputation and i am being denied credit, anything negative on my report or derogatory defamation of character.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
my information is being use on the XXXX XXXX XXXX, it is ruining my reputation and i am being denied credit, anything negative on my report or derogatory defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/XXXX, an employee at a Capital One branch allowed a withdrawal of {$4000.00} from my checking account. This withdrawal showed on my app as BRANCH WITHDRAWAL {$4000.00}. I called the bank on XX/XX/XXXX when I saw the withdrawal on the app. I confirmed it was not me. They put a hold on the account and said they would launch an investigation. They could not provide any information on the timeline or process. 
I called the CapOne fraud line on XX/XX/XXXX to get an update on the investigation and to inquire on how I can protect the direct deposits that were going into this compromised account. They had no update on the investigation on XX/XX/XXXX. They said the only way to withdraw is to come in for a branch withdrawal which I did later that day. When I went in person to withdraw I was asked by branch for ID. I asked the branch teller if someone could go into a branch and withdraw cash without an ID. The bank employee said no. Odd, since that is what happened on XX/XX/XXXX. They reaffirmed that ID is required for branch withdrawals. 
On XX/XX/XXXX I called the CapOne fraud line again to request an update on the investigation. The did not have one. I spoke to a fraud supervisor XXXX ( XXXX XXXX ) to ask what the policy was for returning funds that a branch employee distributed without my consent and I asked for an estimated timeline for the investigation to be complete. She had answers for neither. She said said if I wanted to complain I could write to the Capital One CEO. 
I was able to get an email to the fraud department from another employee : XXXX. When I sent a request for more information on the investigation I was sent an auto-response that they would get back to me in 60-90 business days. 
I reached out to CFPB for support. I was told that banks must complete investigations within 45 days. This is certainly not what Capital One is telling customers. 
I would appreciate CFPB 's support on this matter. It is unfair that I have to wait through a lengthy process when it is clear the fraud happened within one of their branch by their employees ( either by not following policy of asking for ID or due to some complicity ). And if I must wait for the completion of the investigation- even though I am not at fault- they should complete the investigation in 45 business days, as required by law. They should certainly not be allowed to use 60-90 business days as their Capital One policy and their fraud personnel should have some courtesy and compassion for their customers who have been defrauded by their Capital One employees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/24 Dispute letter was sent XXXX, XXXX and Equifax they have filed to notify me of the results of their investigation as of XX/XX/24

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to get Transunion to stop reporting fraudulent reports against my credit, which has caused me a huge financial burden. I recently challenged the validity of XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, both XXXX and XXXX have shown that this account does not appear on their reports based on the lack of ability to properly verify all reported information being accurate. Furthermore, you previously removed this account, but now you have decided to report it again. You have not been helpful at all, and you have ignored my pleas for assistance. I engaged legal representation to address a case where I refinanced my home. XXXX was stipulated to be fully paid off as part of the refinancing agreement. My attorney corresponded with each credit reporting agency, requesting the removal of the XXXX account from my credit reports due to the legal dispute surrounding the contract. All agencies complied with this request except XXXX, which removed the entry at a later date. 

In XX/XX/XXXX, I accessed my account online and printed a payment history document indicating a balance of {$19000.00}, which I subsequently paid by check. This payment was confirmed received. A subsequent payment history document printed in XX/XX/XXXX shows that the check was processed on XX/XX/XXXX. The payment should have been recorded as complete by this date, and the account should have been closed accordingly. 

However, XXXX failed to close the account and, in XX/XX/XXXX, resumed charging my account for mortgage payments. Currently, they are claiming an outstanding balance of over {$7000.00}. Additionally, they have inaccurately reported my account as delinquent to TransUnion, which reinserted this information onto my credit report despite its prior removal. Also, understand that Transunion is now reporting incorrect information, which is causing much financial harm. 

I have made multiple attempts to resolve this with TransUnion by sending letters, none of which received a response within the required timeframe. The first letter was sent on XX/XX/XXXX. The second letter was sent on XX/XX/XXXX. I just received a response on XX/XX/XXXX. The letter states that the debt is verified, which indicates that you completely ignored all of the evidence I have sent you. 

I request that TransUnion correct its records by removing the inaccurate delinquency report and restoring my credit score accordingly.

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 2024-08-26 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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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 2024-08-26 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received a statement that included a {$55.00} charge for my BJs membership on a Capital One Credit card that I have never opened. When calling in, they did not have the correct contact information or date of birth and could not verify my account. I sent in my drivers license multiple times so I could verify my account and discuss this credit card. Unfortunately they continued sending me bills with additional fees for failing to pay. I was finally able to open a fraud case stating I did not open this credit card. Fraud department came back and stated they verified that I opened this card. I do not speak English well, I am an XXXX XXXX XXXX low income individual. They keep sending me bills with fees for a credit card I never opened or consented to opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
XXXX XXXX account balance increased Between XX/XX/2024 and XX/XX/2024, your XXXX XXXX  account balance increased by {$160.00} from {$8600.00} to {$8800.00}. 

This company continues to report inaccurately on my reports and prohibiting other creditors from considering me when I've applied for credit. 

This debt was included in a recent XXXX  case that was dismissed XXXX help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: MN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
In year XXXX during covid pandemic, I set up all my credit cards on auto pay. XXXX of XXXX I used Nordstrom auto pay to pay my account every month, however Nordstrom autopay system did not debit my account on the due date properly. When I noticed it, I immediately made the payment and requested that Nordstrom fix their autopay system. My credit report continues to show this account as 30-delinquent one time in XXXX. I requested the store to remove the late payment as a 1 time courtesy, since I believe it was their autopay malfunctioning. Nordstrom has refuse to make the necessary adjustment to their credit reporting. I am requesting the CFPB to resolved this dispute by contacting Nordstrom credit services and request that they do their due diligence and remove this 1 time negative reporting from my credit reports. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I saw my XXXX auto-pay amount would be insufficient to pay off the loan by a small amount, so I made a manual payment to pay it off. I then received an email that my regular automatic payment would not be cancelled. I tried calling the customer service # in the email they sent. I was told that I had to complete a survey and sign up for a monthly purchasing program trial before they would connect me to customer service to help me with my payment issues. I was unable to get past this and calling back resulted in the same treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief