vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: GA

Complaint narrative:
I am a XXXX of XXXX XXXX. 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 Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry 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 2024-11-06 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: SC

Complaint narrative:
This kikoff have been disputed this credit bureau for the XXXX time and have not been deleted. This kikoff account have proven to be fraud from a XXXX  XXXX and this credit bureau will not delete this fraud account. please see documents. This account need to be deleted with XXXX hours of this complaint. They failed to send me documents on how this company verified that this fraud account 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 2024-11-06 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:
Subject : Request for Method of Verification Under FCRA and TILA Dear Sir/Madam, I am writing in reference to the recent response I received regarding my dispute concerning inaccurate information on my credit report. Your response indicated that the information has been verified, yet no supporting documentation or proof of verification was provided. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ), I am entitled to receive a detailed description of the procedure used to determine the accuracy and completeness of the information, including the name, address, and telephone number of any furnisher of information who was contacted during the verification process. Furthermore, the Truth in Lending Act ( TILA ) mandates that accurate and transparent information is provided to consumers, particularly when it concerns financial transactions or obligations. 
To comply with both the FCRA and TILA, I respectfully request the following : 1. A full description of the procedures used to verify the information in question.

2. The name, address, and telephone number of the entity or creditor who furnished the disputed information.

3. Copies of any documents, records, or contracts you relied upon in making your determination.

If you are unable to provide this documentation and the required method of verification, I request that the disputed item be removed inmediately from my credit report in accordance with the provisions set forth by the FCRA and TILA.

Failure to comply with these regulations will leave me no choice Finding a lawyer and starting the lawsuit process I look forward to your prompt response within the 7-day time frame required. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PLANET HOME LENDING, LLC
State: VA

Complaint narrative:
We wish to file a complaint against Planet Home Lending , LLC for not honoring the auction of a property. 
on XX/XX/year> we won the auction of a property in XXXX XXXX, VA via XXXX in the amount of {$210000.00}. Planet Home Lending , LLC pulled the property and re-listed it on XXXX 
We again won the bid and were told we meant the reserve at {$210000.00} on XXXX XXXX. 
Planet Home Lending , LLC then pulled the property from XXXX and relisted it on XXXX. 
I tried to make a bid and was denied. I called 2 other Realtors who were also unable to make a bid via the XXXX. I emailed the asset manager and was told they had accepted a bid and have 3 backup offers and have since removed the home from the site.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On XX/XX/2024, I mistakenly sent a {$2900.00} payment via Zelle ( Claim Number : XXXX ) to an unintended recipient, due to a mix-up in my phone contacts. This payment was meant for my new landlord as part of the security deposit for my rental property. Upon realizing the error, I promptly made the correct payment to my landlord the following day, and I immediately began the process of contacting both XXXX XXXX  and Zelle to request the recovery of the mistaken transfer. 

Key Points : 1. Documented Intent and Evidence : I provided XXXX XXXX  with substantial documentation proving that the payment was intended for my landlord, including : A signed lease agreement. 
Screenshots of communication with my landlord, confirming that the payment was meant for him. 
Proof of my subsequent payment to the correct recipient. 
Additionally, I have never sent any payments or had prior interactions with the mistaken recipient, as confirmed by my communication records and the nature of this mistake. 
XXXX. Efforts to Rectify : I immediately contacted both XXXX XXXX  and Zelle to initiate the process of reversing the mistaken payment. Despite providing all required documentation and explaining the urgent nature of this error, I have been met with conflicting responses from both entities. Zelle asserts that the responsibility lies with XXXX XXXX  to resolve the issue, while XXXX XXXX  insists that Zelle should handle the reversal. This back-and-forth has left me unable to recover my funds and has caused significant frustration and financial stress. 
3. Consumer Protection Obligations : As a regulated financial institution, XXXX XXXX  has a duty to assist customers in cases of mistaken payments, especially when clear documentation and prompt action have been taken. I have acted in good faith and provided all necessary proof that this was an honest mistake. I am now seeking CFPBs intervention to hold XXXX XXXX accountable for fulfilling its responsibility to support its customers in cases of mistaken payment. 

Resolution Sought : I respectfully request that XXXX XXXX  reverses this transaction and refunds the {$2900.00} that was mistakenly sent to the wrong recipient. I have exhausted all other avenues and hope that CFPB can help ensure that XXXX XXXX  upholds its consumer protection obligations and provides a fair resolution to this matter. 

Thank you for your attention to this urgent issue. I am more than willing to provide any additional information that may be necessary to expedite the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: OH

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The FRAUD with XXXX XXXX XXXX, XXXX being adding to my account as a signer & changing my mailing address to a FRAUD address XXXX XXXX XXXX XXXX, OH XXXX, who then obtain several, {$2000.00}, & {$3000.00}. FRAUD CASH advances over and over again. Every time a new FRAUD card was sent out after I report the fraud the new account carried over the thousands of dollars fraud card chargers, rushed card delivery fees, along with a much higher interest rate than on purchase for cash advances. This happened over and over again. I was forced to take out a personal loan to pay down the credit card balance to be able to afford the payment. And just this month AGAIN there was another FRAUD card mailed to the same Fraud address, this time in my name. I MUST receive the check payable to me for the {$16000.00} I paid on card ending XXXX, for the FRAUD charges and cards, XXXX XXXX. Just some of the many. I have a FRAUD police report also that I field. 
See attached

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 monetary relief
Consumer complaint received 2024-11-06 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: WA

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 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have filed multiple complaints with Experian without any resolution. I also filed a complaint with the cfpb ( XXXX ) which did not provide any relief either. I received a response from Experian that was a bunch of canned responses put together ; none of which addressed my complaint. 

I can not access my credit file with Experian. It isn't available on the app or their website. It still shows the same message and has not been updated since XX/XX/year> ( almost a year ). 

If I access past disputes, I can get into my credit file that way ; however, I believe there are issues with some of my creditors in obtaining my credit file, as well. I applied ( again ) for a credit line increase and received a message stating that I have no credit file available for them to review. I have attached screenshots.

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 2024-11-06 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:
I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2024-11-06 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: AZ

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: CA

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 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
XXXX XXXX has sent an account that does not belong to me to collections. I have disputed this account several time. Every time I disputed it with the collection company it gets removed but then ends up back on my credit report with a different collection agency. As of XX/XX/year> XXXX XXXX has sent this account to XXXX XXXX XXXX who is reporting negatively to my account for the amount of {$680.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My partner ( primary signer ) and I ( authorized sigher ) applied for the Capital One SavorOne credit card, which offered a sign-up bonus at the time if a minimum amount of purchases were made on the card within a certain time. We met the requirements and did not receive the sign-up bonus. 

We contacted Capital One and they said there are two versions of the SavorOne card labeled as SavorOne " for good credit '' and SavorOne " for excellent credit '' ( which is the one with the sign-up bonus ). We signed up for the latter version of the SavorOne " for excellent credit '' but instead were approved for the former version " for good credit, '' which did not include the sign-up bonus. The fact that Capital One uses the exact same name ( " SavorOne '' ) for both credit cards is extremely deceiving, but the bait-and-switch technique that they use to further deceive customers into thinking that they are receiving a sign-up bonus after making required purchases is doubly deceiving and appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: GA

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 Account Number : XXXX XXXX Account Number : XXXX XXXX OF XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: AR

Complaint narrative:
I RECENTLY LOOKED AT MY CREDIT REPORT AND NOTICED SOME FRAUD INQURIES THAT I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT FILE,

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: NY

Complaint narrative:
Reported inaccurate and harmful information on report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: OH

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-11-06 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: OH

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: NC

Complaint narrative:
The Company, Pro Collect inc, proper validation of this debt. I, and the credit agencies need all documents evening the alleged debt, including the original account application, contract, and statements. they need to provide the complete chain of documentation showing all assignments of the alleged debt from the original creditor to the company Pro Collect inc. All documents relating to the purchase of the alleged debt by the company Pro Collect, inc , and any attachments thereto. they also need to provide all documents demonstra

ting ProCollect inc legal standing to bring this action. 15 U.S code 1692c 1692g 1681e ( b )

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