vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Eqifax is reporting an incorrect bankruptcy on my credit report. Upon disputing several times they sent a letter stating they verified the information with XXXX. I have reached out to XXXX and they stated there is no Bankruptcy on my report with them. They have also sent me a letter stating the is no Bankruptcy. Eqifax stated they reached out to XXXX and when I contacted XXXX they stated Eqifax never reached out to them to verify the info. Each time I dispute with Eqifax they state they verified with XXXX. Every time I contact XXXX they state Eqifax has never reached out to them and they are giving me false information on the letters they sent me. I need Eqifax to remove this Bankruptcy please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I called Wells Fargo Auto to pay off my Auto Loan because I was unable to pay off the loan offline due to their system not allowing that. They confirmed the pay off and gave a transaction number of XXXX. The amount ( {$42000.00} ) was debited from the account on XX/XX/XXXX as well as an " interest adjustment '' of {$150.00}. On XX/XX/XXXX, the pay off was reversed for some reason. They said it was because the account information was incorrect, but it was not. Since XX/XX/XXXX we have been getting charged $ XXXX AND they charged us back the {$150.00}. I went into a WF branch on XXXX and after working with them for over an hour, they advised sending a cashier 's check to pay off the loan which is what I did. I am requesting the {$150.00} amount as well as the $ XXXX interest be returned to us as there was a clerical error on their side that reversed the payoff amount. They do not want consumers to pay off their loans because they want to continue collecting interest. They also should have allowed this payoff to occur online vs. calling in.

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 2024-05-08 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: OH

Complaint narrative:
I have an address reflected on my credit report : XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

I have never been associated with this address and have been a victim of identity fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-05-08 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: NV

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: AL

Complaint narrative:
This complaint stems from an alleged contractual relationship. I have a right to an authenticated record of accounting. I am hereby disputing this alleged debt from American Profit Recovery and require this information within the time allowed by law. I have no contractual relations with this company and they are on notice that reporting information without my consent is punishable for defamation and trespass on person. See Attached notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: VT

Complaint narrative:
IN RESPONSE TO CFPB COMPLAINT : XXXX UPON ASKING THE COLLECTION COMPANY PROOF OR VALIDATION OF THE ACCOUNT IN QUESTION, THEY REFUSED TO SEND ME ANYTHING, JUST A RESPONSE TO FORWARD A POLICE REPORT, THIS IS MY XXXX REQUEST. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS I Reported : XXXX. XXXX, XXXX - {$2200.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious TRANSWORLD SYSTEMS I Reported : XXXX. XXXX, XXXX - {$2200.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been working with TRANSUNION, XXXX AND XXXX to " block '' fraudulent accounts opened under my name during identity theft. I continue to have the same issues even though I have supplied all of the information required by federal law, and that I was instructed to do so via the FTC and CFPB. 

TRANSUNION : The emailed on XX/XX/year>2024 stating the proof of address was not accepted. I enclosed a bank statement, which is an acceptable form. I will also upload it to this complaint as proof. Transunion is instructed to add this to the packet they received on XX/XX/year>2024 @ XXXX XXXX  via tracking number XXXX XXXX XXXX Has ignored all attempts to correct this information. I have not heard back anything, other than the response to the last complaint on CFPB. XXXX is also instructed to upload the bank statement attached as proof of address to the packet they received on XX/XX/year> @ XXXX XXXX  via tracking number XXXX XXXX XXXX Has completely ignored all request, both via certified mail, CFPB and telephone calls. They repeatedly send me emails saying they are denying my request for blocking. I'm also instructing XXXX to upload the proof of address attached to this complaint. They also received the identity theft packet via certified mail on XX/XX/year> @ XXXX XXXX  via tracking number XXXX All parties receiving this complaint are instructed to process this blocking request in a timely manner, and to the full extent of the law. Failure to do so will result in legal action being filed in court. I've tried over and over again to get this issue taken care of, all of which has been ignored. These credit reporting agencies are very quick to allow someone to steal your credit, but then refuse to fix it. Being that I was part of the DATA BREACH from XXXX, you would think they would take this seriously.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax and XXXX are inaccurately reporting an account on my consumer report. On their reports it is showing as late however I was never late ( see attached exhibit a & b ). I have disputed this information before and they are not complying with the FCRA. I have also requested the a description of the methods they used to " verify '' that I was late and they never provided it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: World Acceptance Corporation
State: IL

Complaint narrative:
I disputed this item its not my account the world finance account keep hurting my score I want it removed from my credit please!!!!!! I got a kid on the way just hurting me more and section 609 of the FCRA gives you the authority to request detailed information about items on your credit report. If the credit reporting agencies cant substantiate a claim on your credit report, they must remove it or correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax. 

What would be a fair resolution to this issue? 

Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report. Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I payed XXXX in XX/XX/2023, XXXX, XXXX XXXX XXXX XXXXeach month excluding only XXXX n they are wanting to repossess my car after I put a XXXX down payment n only missed one month. I payed more than XXXX extra every due date as well. I sent via XXXX XXXX online n to correct address do not know if wrong account number may have been in system or what caused error. Have sent proof of payments with zero response.

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 2024-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc.
State: SC

Complaint narrative:
this is a follow up to the claim # XXXX. I was asked to send the email address to the compliance officer. I feel more comfortable sending it through here so we can all be on the same page and I have a paper trail and won't have to revisiting the previous info sent and other important details about my case, as we would all be able to come back to this portal for that information and then I have protection as to what is going on. attached is the email again showing who the email is from but as I was getting this information for you I noticed two of the same emails from XX/XX/2024 ... this time it didn't have your logo on it but it has everything else that would be in the body of one of your emails when sending notifications about monthly statements including what appears to be your XXXX # ... XXXX the email doesn't even reference my name as the borrower as you will see but it's using your XXXX #. So if this isn't you that means they are committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
Purchased XXXX XXXXXXXX XXXX on XX/XX/XXXX from XXXX XXXXXXXX in XXXX, NC. The vehicle was financed by XXXX XXXX XXXX total amount finance XXXX. The first XXXX payments was made in the amount of {$700.00} but the balance owed never changed. Even when Im late I pay the regular payment & late fee, but the amount applied varies. I been making payments but still owe over {$24000.00}. Something not being calculated properly. If I try to trade the vehicle it will have me negative of {$14000.00}. I need help in getting my account accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: DC

Complaint narrative:
I just checked and reviewed again my XXXX, XXXX and Transunion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-08 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: DC

Complaint narrative:
I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I beg you please remove this from the 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 2024-05-08 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: PA

Complaint narrative:
How is transunion able to verify an account as accurate when XXXX could not verify and deleted the account? This is a violation of the FCRA. Please see attached exhibit as evidence.

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 2024-05-08 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: Experian Information Solutions Inc.
State: NY

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I applied for the quicksilver credit card on XX/XX/XXXX and I applied thinking that I would get the {$200.00} bonus once I spend {$500.00}. I called Capital One to make sure that that the bonus would be applied to my account once I met the requirements and they told me I got the credit card, but the bonus wont be applied to my account because they said I only have good credit and not excellent credit, but when I look on their app called XXXX it says I have a score of XXXX and it says that is excellent credit on the app. So its a little misleading having them tell me I only have good credit when on their own app it says I have excellent credit. They said that will call me and send me a email in XX/XX/XXXX business days with a follow up. I have dealt with this same issue a few years ago with the savior one card where they gave me the card with the intro apr but no bonus was added to the card. This will be the last time I will be doing business with capital one for sure. Seems shady and misleading that they would let me qualify for the card and not give the bonus. Dont do business with capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Local Finance LLC
State: FL

Complaint narrative:
Local finance repossessed my 2017 vehicle when I was out of town I was never notified legally as required by law no phone call no text nor did they send me a letter all of which they had my phone number email address and mailing address. 
I paid a total of payments XXXX and balance owed was only XXXX. 
They claim that the vehicle has been sold for XXXX but never provided any proof and never reimbursed me the difference from the sale .But although they still claim that I owe them {$730.00} dollars, there crazy and I'm getting ready to start filling lawsuits for fraudulent accounting practices which is a felony theft by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent/LVNV Funding is a company that I have no agreement ( s ) with ; this company continues to report false information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: OH

Complaint narrative:
XX/XX/year> ( approx ) - My debit card was skimmed XX/XX/year> XXXX all ATM cash withdrawal charges were fraudulent XX/XX/year> - I called to report the fraudulent charges. They cancelled the card and told me they would research the transactions. 
XX/XX/year> - I called for an update and was told there wasn't any new information. 
XX/XX/year> Received claim denied {$1500.00} because I had the card in my possession and there were ATM charges in the middle of my debit card purchases. I called them and asked for more information. I was told they would call me back. 
XX/XX/year> I never received any communication. I told them my credit card was skimmed and there had to have been a camera used to see my PIN. Thus, the ATM transactions in question were still fraudulent. I made it clear I was asking for all documentation used in making the fraud determination per Reg E. 
XX/XX/year> Called and had to leave a message with their fraud case asking them to call me back. I tried to look at my account online and it has been suspended so I can not see any of the transactions.

Company response to consumer: Closed with explanation