vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I've submitted several documents supporting the bankruptcy as an error on my report. I finally have a letter from XXXX saying they have removed it from my record yet XXXX continues to say they are getting this information from XXXX, and continue to let it remain on my report which is a lie as I have a letter from XXXX stating they have removed it and that they have informed Experian

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 2023-06-08 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: TN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my 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 2023-06-08 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: LA

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 explanation
Consumer complaint received 2023-06-08 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: VA

Complaint narrative:
I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2023-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I have contacted Calvary and all three credit bureaus ( XXXX, XXXX, and XXXX ) regarding an account on my credit report that Calvary alleges that I owe. I asked all companies to provide me documentation that I owe this debt. Calvary sent me a statement sheet that showed a balance. I asked them to provide me with the contract that had my wet signature to verify that this account actually belonged to me and they have not responded to me at all since the first letter I sent to them. The last letter I received was dated XXXX. It is now XX/XX/ and I still haven't received anything to prove that this account belongs to me. A statement is not sufficient enough proof. I as a consumer have rights and they are indeed violating those rights and I am seeking assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH

Complaint narrative:
On XX/XX/XXXX I took out a {$1000.00} loan with Loan Mart. The referral was given by the check cashing place around the corner from my home. I have tried to no avail to work with these people I have paid them over {$2500.00}. They keep trying to get me to take out another loan to cover payments and have charged me {$500.00} in loan fees. The term is supposed to be completed XXXX of this year XXXX, but with the late fees being charged and calculated daily for interest Ill never get my title back. Is this legal? come XXXX I will have paid more than {$3000.00} for a {$1000.00} loan. 
Plus approximately {$800.00} in late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MIDFIRST BANK
State: GA

Complaint narrative:
This debt collector, XXXX XXXX XXXX XXXX XXXX, is attempting to ( 1 ) steal excess proceeds following the foreclosure sale of my primary residence as attorneys fees, ( 2 ) erroneously pay alleged personal debts to entities they do not represent, and ( 3 ) require a waiver of my legal rights to receive the funds. The firm acted as counsel for the mortgage holder in the foreclosure. They failed to respond to numerous communications seeking documentation on the sale, an accounting of the proceeds, including how the amount due mortgage holder. Furthermore, among the funds to be collected by the mortgage holder, were {$4000.00} in foreclosure attorneys fees. Yet, the firm attempts to deduct an additional $ XXXX dollars in attorneys from the proceeds due borrower. Additionally, the firm seeks to pay an alleged personal debt out of the proceeds which it lacks the right to do. In short, of the ~ {$17000.00} it states is the amount of excess funds, this debt collector claims it and other entities that it does not represent are due ~ {$13000.00}. Finally, the firm is forcing me to sign a Hold Harmless Agreement which seeks to waive my rights to challenge the calculations or seek other judicial relief in order to receive the funds.

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 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I bought a vase, it arrived late, by the time I received it, I no longer wanted it. I sent the vase back to the merchant, the merchant accepted the return. 

The date I received the item was XX/XX/2023 Capital one did not know the date of receipt and rejected the complaint, I told them the date of receipt, and they agreed to open the claim. 

XXXX. This was the only information that was requested. 

In a letter dated XX/XX/2023, Capital one requested additional information, I responded on XX/XX/2023. 

Capital One closed the case as I did not respond in a timely matter. 

Capital One says to allow 7 to 10 business days to receive communication, which means I could have received it by XX/XX/2023 Capital one said I have 21 days to respond, but I did respond according to their timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: VA

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries 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 2023-06-08 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: GA

Complaint narrative:
Someone has opened accounts in my name. I found numerous errors on my credit report. Just for the record I XXXX XXXX is the preparer of this dispute. I am a living human, which I have not signed any contracts or oany obligation to open these accounts. I have rights under 15 USC 1681 Transunion, XXXX, and XXXX has allowed these creditors to violate me numerous of times. I demand these accounts be removed according to 15 USC 1681 I have a right to privacy and I did give these creditors the right to furnish these accounts. XXXX XXXX account XXXX was dismissed in XXXX XXXXXXXX XXXX  XXXX XXXX. All along I have claimed I never opened the account. Therefore it was dismissed XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. All of these accounts are not connected to an open account, I never signed any documents giving consent for them to run my credit,

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 2023-06-08 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: GA

Complaint narrative:
Someone has opened accounts in my name. I found numerous errors on my credit report. Just for the record XXXX XXXX XXXX is the preparer of this dispute. I am a living human, which I have not signed any contracts or oany obligation to open these accounts. I have rights under 15 USC 1681 XXXX, Experian, and XXXX has allowed these creditors to violate me numerous of times. I demand these accounts be removed according to 15 USC 1681 I have a right to privacy and I did give these creditors the right to furnish these accounts. XXXX XXXX XXXX XXXX was dismissed in Magistrate Court of XXXX XXXX. All along I have claimed I never opened the account. Therefore it was dismissed XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. All of these accounts are not connected to an open account, I never signed any documents giving consent for them to run my credit,

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 2023-06-08 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: LA

Complaint narrative:
I strongly request that you update my account to accurately reflect my payment history.

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 2023-06-08 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$140000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 to correct inaccurate reporting of late payment. I spoke with XXXX XXXX XXXX who stated that due to the account closure and paid off 3 months early that the reporting of a 90-120 days late of payment was correct information. I informed XXXX XXXX that I never paid a late payment and that her company was reporting late payments on an account with a payment status of current and paying as agreed. I have requested the information to be corrected and updated 3 different times.

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 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I opened an account with a mobile bank Current. I mobile deposited the check on XX/XX/XXXX. I contacted them the same day and ask to cancel the deposit since it was going to take so long. I received message back stating it would be canceled and not deposited on that was on XX/XX/2023. I took check to XXXX check cashing on the same day I received cancellation message. They seen the message from back and he allowed me to cash check. About 4 days later I received a letter from current back of a change of address verification. I tried going onto my online account but was not about to get in. There is no number to call only contact through message on app I finally got the email address and emailed I received a message back stated my about was frozen due to expected fraud. A few days later I received a call from XXXX check cashing saying the check came back already been cashed. They have been working with me to help me get this resolved but no luck. The bank had me send in documents proving my identity said funds would be available on XX/XX/2023 but I never heard anything else. I finally got into my online about and it shows that money was deposited and then transferred out. But I had already contacted them not to deposit check they agreed but done it anyway. I reported my card phone wallet lost a few days before my about account was locked and letter saying I changed my address which I did not. I have been at same address for 9 years. I am now having to come up with XXXX dollars that I do not have to pay for check at XXXX or face going to XXXX  for a mistake on banks part. I am a XXXX and in school to get my XXXX XXXX XXXX I can not afford to go to XXXX for something that was not intentional or my fault. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$180000.00} XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: VA

Complaint narrative:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
I called SELF FINANCIAL INC / LEA on XX/XX/2023 to correct inaccurate reporting of late payment. I spoke with XXXX XXXX XXXX who stated that due to the account closure and paid off 3 months early that the reporting of a 90-120 days late of payment was correct information. I informed XXXX XXXX that I never paid a late payment and that her company was reporting late payments on an account with a payment status of current and paying as agreed. I have requested the information to be corrected and updated 3 different times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: ID

Complaint narrative:
There are 3 or 4 open credit reports all for same car loan ... that has been paid off for 2 years ... on my credit report.it states they are open and late... I've tried to have them fix it. They did fix a few but I still have 3 or 4 open reports that say I owe and am late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
The lender is claiming that I did not pick a fixed rate and when asked to provide signed documentation they can not do so. I have called a variety of times and they tell me there is nothing they can do for me. My payment is currently {$1200.00} and that is more than my mortgage payment and is causing me to struggle with other bills along with causing XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
i sent copies of police report and supporting documents stating i am victim of identity theft and they have not did anything to remove these accounts these debts are not mines. XXXX. Bank of America account open on XX/XX/XXXX  in the amount of {$5100.00} account numberXXXX XXXX. XXXX XXXX  account number XXXX opened XX/XX/XXXX  in the amount of {$8000.00} XXXX XXXX  account number XXXX opened XX/XX/XXXX XXXX in the amount of XXXX, The credit bureaus sent official letters stating that the items were removed but they are still reporting.

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 2023-06-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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