vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves XXXX paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it 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 explanation
Consumer complaint received 2023-10-03 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: MD

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it 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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for 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 2023-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: AL

Complaint narrative:
I took out a small payday loan back in XXXX. XXXX dollars. When it was time to pay it back, i tried to but the system wouldnt accept my banking information to pay it back and til this very day, it still will not accept my banking information as a form of paying it back. However, on 2 seperate dates, they where able to remove funds from the same account i tried to pay them from, that they system wouldnt accept. How can they do that? Someone was able to override this at some point. This has to be illegal. The proof i have, i tried changing the debt card on file. That one didnt work either. The catch... that card isnt link to the banking information on file. 2 completely different banks. Yet, the were able to steal money from the one that didnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I got an email concerning a loan. Saying I was denied. I never applied for this. When I called the company the dob was different. As well as the ss number. I checked my credit report equifax not XXXX and my former name was applied above My present married name.also the address XXXX XXXX was listed I have never lived there. This email came on the friday.today I notice in my email asking for confirmation using my previous name of XXXX XXXX. For a different company. My legal name is XXXX. XXXX. I called the credit agency and they are asking for my zip then my ss number I am not giving this over the phone to an unknown. This is a recording asking for this info. Is this customary not a good practice at all. I am very uncomfortable about giving out my info. I want a fraud alert on my credit report do not know how to do this. Would like some guidance. My name is XXXX XXXX XXXX hope to hear from someone soon

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: OH

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account 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

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 2023-10-03 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: OH

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I am suffering from XXXX XXXX XXXX and my mortgage company will not help me with any kind of assistance. I could pass away at any moment, but I need to have this taken care of as soon as possible. SPS does not care about my health issues and simply ignores my financial problems and they do not want to help us take care of my problem. I don't want to leave this hanging and my doctor says now I am only on a medication remedy, and nothing further can be done. Please I am complaining to my mortgage company to come up with a reasonable plan that I can afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: FL

Complaint narrative:
i disputed a paid and closed case to experian to be removed it was paid and closed with no balance however a few days later it updated to a balance of XXXX wich is incorrect because this case was closed 4 years ago and paid and experian has the documentation and information from the courts the experian dispute document number is 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 2023-10-03 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-10-03 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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-10-03 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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-10-03 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 Accounts 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 non-monetary relief
Consumer complaint received 2023-10-03 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: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: ND

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Applied for a Savor One credit card with Capital One. Capital One created the credit card account with an incorrect social security number and name and continues to report the inaccurate information to the credit bureaus despite my repeated calls and requests for them to correct the incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
A charge for XXXX was debited on my XXXX XXXX card from CONSUMERINFO.COM for Experian. I disputed this charge last year, yet Experian/Consumerinfocom continues to draft my credit cardaccount. 

I contacted the above reference companies ( I have contact numbers for both Experian and Consumerinfo.com, yet both organizations are playing a bait and switch in disavowing that they generated the charge and requiring copious amounts of information to " research '' the issue even though they both acknowledge that the payment has been processed. 

Prior to filing this dispute, i briefly read where there was a judgment entered against Experian for unauthorized charges on client accounts. XXXX XXXX suggested that i reach out to consumerinfocom directly- which I have done. Neither Experian, consumerinfocom nor XXXX XXXX ( regretfully ) wants to provide an support in getting this issue resolved.

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 2023-10-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I had bought a car from US Auto Sales l. I have been honoring my end of the contract and they have not. My vehicle is not operational and has not been operational since the company went out of business. I really need this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: AR

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 non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
I filled out and processed a Legal Residence Exemption form with the Tax Auditor of XXXX XXXX, South Carolina in XXXX or XX/XX/2023. A check was made out to XXXX by XXXX XXXX in the amount of {$1500.00} and processed on XX/XX/2023. At that point, my mortgage should have been greatly reduced and any amount I overpaid refunded to me. I requested that Carrington Mortgage correct the escrow to reflect my new tax rate. I received a letter in the mail yesterday that the check for {$1500.00} had been returned to my financial institution. I don't understand how a check from a Tax Auditor could have insuffecient funds. I have been dealing with XXXX ( my previous Mortgage company before it was transferred ) and Carrington Mortgage on this issue since XXXX and nothing has been resolved! I am beyond stressed and frustrated at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
This platform allowed me to spent my whole wallet balance on purchasing XXXX, in a few clicks, very simple. 

After I bought it, I attempted to withdraw it, that's when it got complicated ( of course ). An ID verification window prompted. It said that for safety reasons I had to verify my identity. Good, I'm ok with that. Then, a second screen comes with a set of options for ID, all with XXXX thing in common : any type of government ID must be an XXXX ID. I'm not in possession of any XXXX ID, so I tried with the ones I have, passport and driver 's license from a different country. It didn't work. 

I reached out to their support and they keep telling me that I have to use an XXXX ID, and I keep explaining that I don't have one. 

XXXX of them suggested me to just sell the XXXX there, so I'd get my USD in the wallet, which I can use freely without ID verification, as I've been doing for the last XXXX or 3 years. However, it means that I'd have to pay them again their fee and commission, which I did earlier when buying, and now forced to do it when selling. This is the most unfair solution they could provide me with. 

I was not warned about these strict policies before buying the XXXX. Why would they be so strict about moving the XXXX but so friendly when purchasing it? To take advantage of clients? 
There were no policies nor Terms for me to accept when I first entered the XXXX interface of this platform. Nothing prompted out when I was buying telling me about ID verification process, much less that they will only consider valid an ID issue by the US government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: AR

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 non-monetary relief
Consumer complaint received 2023-10-03 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: OH

Complaint narrative:
Im requesting that the inquires below to be deleted off my account, because I DID NOT authorize these companies to run my credit. 
This is fraudulent. 

Ive attached photos below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: OH

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account 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

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 2023-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC had purchased an account that had been opened using my information without my knowledge and they did so twice. They purchased the accounts from XXXX XXXX Bank XXXX. One has a balance of {$480.00} as of writing this and was opened on XX/XX/XXXX. Its status states that it is a Collections Account and {$480.00} past due as of XX/XX/XXXX. Another account that they had purchased from XXXX XXXX Bank XXXX. was opened on XX/XX/XXXX. It has a current balance of {$660.00}. The type of the account states it is a XXXX XXXX. The status of the account states it is a Collections Account and {$660.00} past due as of XX/XX/XXXX. I have filed a dispute against these accounts as they are fraud. I have never utilized or personally opened a line of credit of any kind at any point.

Company response to consumer: Closed with explanation