vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
Mariner Finance in XXXX, IL calls me multiple times about a past due payment ( less than 30 days ). When I explain to them my rights under the CFBP ( no more than 7 calls in a 7 day period or can not call after we speak on the phone ) they tell me I am wrong and can continue to keep calling and will keep calling. They will only stop if I schedule a payment for a later date. 

I will include screen shots of the 3 calls in just the last 24 hours. 

They are terrible to work with when Im just trying to make my payments even if a few weeks late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capitol One credit cards and bank accounts amounts unknown at this point XXXX XXXX XXXX {$61.00} XXXX XXXX XXXX {$330.00} and {$330.00} XXXX XXXX XXXX {$36000.00} XXXX XXXX {$530.00} All are pending upon XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: GA

Complaint narrative:
I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX. XXXX, 2022 XXXX XXXX XXXX XXXX. XXXX, 2022 XXXX XXXX  XXXX XXXX. XXXX, 2022 XXXX XXXX XXXX. XXXX, 2022

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 2024-04-02 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: NV

Complaint narrative:
Theses are the unidentified inquires that where found on my account. 

XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
please remove dillard card off my credit report. this is not my credit card. this is 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 explanation
Consumer complaint received 2024-04-02 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: FL

Complaint narrative:
There is so many wrong accounts in my credit report that i dont recognize as mine. i will make an attachment in the dispute letter, possesses so many mistake as account name, date, location and status I formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2024-04-02 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: FL

Complaint narrative:
There is so many wrong accounts in my credit report that i dont recognize as mine. i will make an attachment in the dispute letter, possesses so many mistake as account name, date, location and status I formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
MIDLAND CREDIT MANAGEMENT I settled a {$510.00} debt with them in full. They have confirmed this in writing via email. They have since failed to notify all credit bureaus that the debt was settled, resulting in the only derogatory mark on my credit report. As a result, I am not able to meet my financial goals which is impacting my housing and medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2024 Resurgent Capital Services L.P was sent a certified dispute letter on behalf of LVNV Funding LLC regarding an alleged debt owed in the amount of {$3400.00}. LVNV Funding was also sent a certified dispute letter on XX/XX/2024 regarding the same account and they failed to respond at all. A request of verification was not requested from Resurgent Capital Services and they were informed that a bill or printed out statement would not suffice. I requested validation such as factual evidence, such as a promissory note, contract or agreement bearing my signature that holds me legally responsible for the alleged debt. Their response has been attached to this complaint. They have failed to provide any factual legal evidence but are still reporting an invalidated debt to the credit reporting agencies which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: PA

Complaint narrative:
EQUIFAX what'S UP. I pulled up my credit report and noticed some alarming details. Under the regulations set forth in 15 USC 1666b, late payments linked to accounts identified as XXXX XXXXXXXX XXXX the late payments must be removed from my credit report. Furthermore, pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX XXXX XXXX and is to be expunged from the report. Moreover, as per 15 USC 1681B and in adherence to section 604, all charge-offs must also be expunged from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: DISCOVER BANK
State: NY

Complaint narrative:
Hello, good afternoon I have a issue with a transaction so I had to dispute it and discover card some how determined in merchants favor Dispute # XXXX I explained when I was submitting the dispute I never received my groceries I ordered for my grandmother from XXXX either the dasher delivered to the wrong address and left the food at the wrong door but I never received any groceries from XXXX that day. I Then reached out to XXXX and they were going to reship a replacement order but they ended saying they couldnt prove me any reimbursement for this order so thats when I had to dispute the purchase because the merchant never provided the services I paid for I submitted a letter to discover saying I wanted to continue the claim because Im obviously out of {$130.00} of groceries I paid for and never received I would also like dispute number XXXX reopened because I wanted to continue that claim I had explained in that claim I received the wrong XXXX order from XXXX XXXX I received XXXX XXXX  XXXX meal combos when I cant even eat XXXX and XXXX support didnt care so I need that dispute case reopened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: OK

Complaint narrative:
The following information attached to this complaint is a formal request for the permanent removal of the following accounts due to a lack of response from the corresponding creditors of each inaccurate or incomplete account after reinvestigation : Account Name XXXX XXXX XXXX  ; Type : Installment - Account # XXXX Account Name : XXXX XXXX XXXX Type : Installment - Account # XXXX Account Name : XXXX XXXX ; XXXX : Installment - Account # XXXX Account Name : XXXX Type : Revolving - Account # XXXX I attempted to verify these debts and received NO RESPONSE from the above companies ( see attached proof of this verification. ) According to FEDERAL LAW, creditors have 30 days from the date of my request to validate the debt and they failed to provide any information concerning this debt. These debt are NOT mine nor can they or have they been verified as factual or accurate and need to be removed immediately from my credit report. You have 15 days to remove the above mentioned accounts. In the event that you continue to list the disputed items on my credit report after 15 days, I will find it necessary to file suit against your company for actual damages and punitive damages under the Fair Credit Reporting Act. Because the Fair Credit Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use my residency county and state as jurisdiction to bring appropriate action against your company. I look forward to an uneventful resolution of this matter. Thank You in Advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: PA

Complaint narrative:
PLEASE SEE ALL ATTACHMENTS PLEASE SEE ALL REPORTS SENT TO ME FROM TRANSUNION AS THEIR PROOF AND UPDATED INFORMATION.

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 2024-04-02 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: NJ

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 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Fraud letter dated XX/XX/XXXX - received today XX/XX/XXXX. My credit has been frozen for 13 years. I have never done business with your company. I called Customer Service asking the details of my personal data and the source. This needs to be provided to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to XXXX % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$XXXX} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 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 explanation
Consumer complaint received 2024-04-02 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: PA

Complaint narrative:
I have viewed my Equifax creditreport on XXXX XXXX. This is the only way I'm ablt to see my report. When I reuest a report or try and access it online I can not. Anyway my reason for contacting you is because I have noticed some accounts that are not reporting correctly. Under the FCRA I have a right to dispute any information that I Beleive is not correct. XXXX is not posting accurate information on my consumer report. I have attached my documents with my findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I received a call from Bank of America today that the deposit on hold on XX/XX/XXXX was to be reversed. The fund was deposited XX/XX/XXXX / XXXX. On XX/XX/XXXX, the bank put a hold on these funds and was told they are investigating. I made many inquiries several times during last 5 months and each time I call, I get different information and different person. Someone called this morning after 5 months telling that was a fraudulent fund. It was deposited as a bill pay. The deposit was made from XXXX XXXX and it was cleared from my end. I have made a business transaction overseas and this was the payment. The transaction was made based on the confirmation of the payment from Bank of America. I am at a loss of {$3000.00} and they would not disclose any information regarding this investigation. If this I fact a fraudulent activity, it should be XXXX XXXX to verify if deposit was legit or not before making the deposit so they should be responsible. Bank of America did not protect their consumer and I am at a complete loss of {$3000.00}. I hope this wont happened to other people!! They failed to protect their client with the fund already in the account for 4 days and reversed. Please advice. 
Thank you 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 2024-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: OH

Complaint narrative:
I SENT MONEY TO MY NEPHEW, HE NEVER GET THE MONEY, I CALLED SIGUE. THEY SAID THERE WAS A PROBLEM AND THEY WILL RETURN THE MONEY IN ABOUT A MONTH, I AM STILL WAITING. THEY ARE NOT ANSWERING THE OHONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This lvnv collection is the 4th collection on this account. This XXXX XXXX already took me to court to get their money and then they put it back in collections. This card was closed in XXXX and has Been in collections. I disputed the amount owed ut only had a XXXX limit and the account is old and should be removed even if they keep selling it does nit make it new. How can it be opened in XXXX but last use if it was XXXX? It can't they are liars and this has already been settled please close this account no more reporting it. This is for XXXX XXXX XXXX account has been closed since we XXXX. Please do not give them my updated address they don't need it this account is 9 years closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: MS

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 XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 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 2024-04-02 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: NY

Complaint narrative:
Transunion Credit report is showing missed payment for my student loan XXXX account and I was never late I contacted Transunion to have this updated and nothing has been done I spoke with the loan company and they confirmed I was not late this is also not reporting on XXXX or XXXX and I am requesting this late payment be updated asap

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 2024-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
There is a debt alleged in the amount of XXXX or thereabouts from a company called XXXX XXXX which is now being handled by a debt collection agency Debt Recovery Solutions and was opened in XX/XX/XXXX by that company. This debt was alleged to have been opened in XXXX, which is a period of time I was a victim of identity theft and someone trying to use my accounts to launder money. I have filed multiple reports throughout the years to resolve this matter, including with the IRS, who has cleared me and shown me to be the victim of identity theft with someone using my name for loans and other money items. I have requested several times throughout the years for proof this debt to be mine, which I have always disputed. I was never in possession of that much money at any time. I have never been given any such proof. Now, again, I disputed this on my credit report and they found it to be valid. What part of identity theft does anyone not get?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to seek your assistance in revisiting the findings related to my recent complaint, which pertains to one negative account on my credit report. The account in question is : 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