vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

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 2023-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
on XX/XX/XXXX my vehicle a XXXX XXXX XXXX was totaled. On XX/XX/XXXX approx. My insurance company XXXX paid off the vehicle based on its value. After XXXX  paid off the vehicle, there was an additional negative equity balance of {$3100.00} The dealer I purchased the vehicle from sent a vehicle warranty cancellation check to Capital one on XX/XX/XXXX. On XX/XX/XXXX I confirmed with a representative at Capital one that they had received the check. Even after receiving the check in the amount of {$4100.00} they still have not applied the funds to my account and have not sent me the overage funds via mail. I have called several times and they say the funds will be applied within a couple days. We are now going on almost a month and a half. Originally I purchased a XXXX XXXX XXXX class from XXXX  XXXX  XXXX and there was an auto loan account opened for that vehicle. The vehicle began having issues day 3 of me having it and so based on the dealerships 5 day return policy I took the vehicle back and purchased instead the XXXX XXXX XXXX. The customer service rep claimed that this may have been the reason the funds were not applied to my account and asked for a front and back copy of the processed check. I provided this from the dealership. I still have heard nothing back from Capital one and my account will go into delinquent payments even though they have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-07-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
I originally took out a loan in XXXX that defaulted and went to collections and was owned by XXXX XXXX XXXX. On XX/XX/XXXX, I was contacted by XXXX XXXX, a XXXX XXXX, phone number XXXX, stating that they are a mediator advising me that Check N ' Go has submitted my account to them for litigation and they are seeking civil restitution for breach of contract and defrauding a financial institution in the amount of ~ {$1400.00}. These individuals had all of my information, including address, social, and full name. The account is not currently owned by Check N ' Go, so I contacted XXXX XXXX XXXX  who stated that they can not seek civil or criminal action because they sold the debt and that XXXX  is not seeking legal action so it is likely a scam. I contacted Check N ' Go 's resolution department at XXXX and was advised that they have sold the debt and they don't see a note that my account is undergoing legal action but that they can not confirm. This complaint was submitted to the XXXX XXXX XXXX, however, I did not receive an answer and was told to contact XXXX XXXX XXXX. 

A repeat call from the same person and XXXX XXXX called on XX/XX/XXXX, and texted me a threatening text. I contacted Check N Go inquiring about this directly, again, and received a response on XX/XX/XXXX stating they have information about these matters. 

On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) who stated they had purchased the debt and now held ownership. 

On XX/XX/XXXX, I was contacted by XXXX XXXX  via phone at XXXX. The agent stated they are a legal mediation department representing Check N Go stating they are looking for payment to mediate my breach of contract. They threatened that if I do not pay, I will be sued in my local circuit court. This is identical to the communication received from Competitive Solutions. I requested this information via mail and they stated they do not send anything by mail. I stated my attorney would request information via certified mail and they gave the address of XXXX XXXX XXXX XXXX  XXXX XXXX, GA addressed to Attorney XXXX XXXX XXXX XXXX? ). The agent was very rude, calling me stupid, unintelligent, and had all of my personal identifiable financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act Capital One # XXXX, Capital One # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: WA

Complaint narrative:
XX/XX/20, I tried reaching out to Albert to retrieve ~ $ XXXX in savings to be transferred back to the account that had initially transferred them to Albert. These funds are time sensitive for a home purchase. Albert does not share their transfer limits prior to attempting a transfer, or the amount that I've previously transferred, but are preventing me from making the transfer for being above that limit. Albert does not have a phone support, only text, and have stopped responding to my inquiries. I've requested repeatedly for Albert to close my account immediately with no response.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting the wrong address on the account on my Experian credit report this is an address that I have never used and it's not even on my credit report as an address this is an inaccurate information please delete this account 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 explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently received a copy of my TRANSUNIUON credit report. The credit report showed a credit inquiry by your companythat I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless Ihave authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for meto acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as toforward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, Thank you for your time,

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 2023-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I paid off a trailer and after multiple phone calls and promises of lien being expedited nothing has been done. Wells Fargo is in violation of XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I am filing this complaint to TRANSUNION there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint to EQUIFAX there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Consolidated Credit Solutions, Inc.
State: CA

Complaint narrative:
I got a phone call from XXXX saying that they could connect me with a credit service to consolidate my debt. They connected me with a man named XXXX who said he's with a company called Consolidated Credit which I looked up and looked legit. He asked me a series of personal questions and I gave him my social security number because everything seemed legitimate and he said he could help me. Now I am very concerned that he may have stolen my information as he said he would call me back but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
The consumer reporting agencies violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an 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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The consumer reporting agencies violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: IA

Complaint narrative:
Hello Robinhood, i have XXXX Fraudulent ATM withdrawals on my card. I keep my pin in my head, never wrote it down and i have my card in my possession. 

These withdrawals are not authorized. Id like to file a fraud claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
I was contacted via telephone by Source Receivables Managment regarding a debt. I asked them for their address to mail them a debt verification letter. On XX/XX/XXXX, I sent them a letter asking them to verify the debt amount, including any fees, and who the original party that is making the claim via certified mail. This was received by them on XX/XX/XXXX. On XX/XX/XXXX, a letter was sent to me with a bill in the amount of {$660.00} from XXXX XXXX XXXX On XX/XX/XXXX, I sent another certified letter to Source Receivables Management advising them that I am not responsible for this debt and asked them to send me a signed contract proving this debt belongs to me, including but not limited to and proof that you are licensed in Pennsylvania. On XX/XX/XXXX, I received a letter from Source Receivables Management that stated, " our records indicate we have already responded to a previous request for validation. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
these items are inaccurate and that you violated the FCRA by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to investigate these accounts : XXXX XXXX {$13.00}, XXXX ; XXXX XXXX  {$3400.00} ; XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX XXXX {$500.00} ; XXXX XXXX  {$500.00} ; XXXX XXXX {$3600.00} ; XXXX XXXX {$1400.00} ; XXXX XXXX {$810.00} ; XXXX XXXX XXXX {$520.00} ; XXXX XXXX  {$540.00} ; However they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are supposed to modify the accounts that arent reporting correctly.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any customer containing any of the following any adverse item information ; other than records of convictions of crimes for 7 years. 

Also they are NOT in compliance with Metro2 credit reporting. I have evidence to prove my case.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

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

I told XXXX, XXXX, and Equifax to investigate these accounts : XXXX XXXX {$13.00}, XXXX ; XXXX XXXX  {$3400.00} ; XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX XXXX {$500.00} ; XXXX XXXX  {$500.00} ; XXXX XXXX {$3600.00} ; XXXX XXXX {$1400.00} ; XXXX XXXX {$810.00} ; XXXX XXXX XXXX {$520.00} ; XXXX XXXX  {$540.00} ; However they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are supposed to modify the accounts that arent reporting correctly.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any customer containing any of the following any adverse item information ; other than records of convictions of crimes for 7 years.

Also they are NOT in compliance with Metro2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation