vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Constar Financial Services, LLC
State: CO

Complaint narrative:
I was sent a letter for a dept from XXXX XXXX  that was paid in full from XXXX XXXX XXXX XXXX. I have the email from XXXX stating the account is paid in full. I do not know why this company is contacting me or trying to collect a dept that's already paid off. I have sent multiple emails to them with proof of that account paid in full with the same account number and they have failed to respond back in 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: NY

Complaint narrative:
I received a copy of my credit report and I see that this erroneous information from XXXX XXXX is still on my credit report. I am reporting this account incorrectly and fraudulent This account does not and have not ever belonged to me, it is a closed account, but also shows remarks stating it was charged off as bad debt and the dispute was resolved wit a balance of {$11000.00}. According to FRA, I have the right to an accurate 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 non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DRB-40, LLC
State: CA

Complaint narrative:
I received a call from DRB in XXXX i believe they called my work and i told them to please not call my place of work i gave them my email and cell number to reach me, Today i get a call again at my work from XXXX XXXX saying that she can call me at my work as many times as she wants and she doesn't need consent i let her know i am not allowed to get personal calls and can get fired and all she did was laugh and say that was not her problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: CA

Complaint narrative:
An account was opened on XX/XX/2023 with XXXX XXXX XXXX using my identification when I was hospitalized. This is fraudulent and was done without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR

Complaint narrative:
Company name : Columbia Debt Recovery LLC DBA Genesis Address : XXXX XXXX XXXX XXXX XXXX XXXX Original contact was XXXX. I received the first email. I contacted the company stating I was not the person they were looking for and not to send me email with the debt details as i am not a financial POA for that person. I told them over the phone that I would file a complaint about their lack of privacy concerns. 

I have received another email today, with all the same details as before. The company does not take privacy concerns seriously and this shows a lack of awareness when it comes to sharing details that should not be public.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: NV

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: NV

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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:
For the last couple of months I have been sending letters to the credit bureaus about inaccurate, duplicate and reporting accounts in my credit reports that is in violation of the law, but the credit bureaus keeps reporting them without any further investigations. I need your help on this matter. Thanks

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 2023-07-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
For the last couple of months I have been sending letters to the credit bureaus about inaccurate, duplicate and reporting accounts in my credit reports that is in violation of the law, but the credit bureaus keeps reporting them without any further investigations. I need your help on this matter. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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:
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 explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Paid off Suncoast credit union for XXXX XXXX XXXXe Tried to start Refund for Gap Suncoast Insurance agent stated Gap Insurance expired 90 days after purchasing car I should have file in XXXX XXXX  had full coverage Insurance also Gap Insurance from Purchase to End Paid for 5 year Gap Insurance Vehicle Paid off Early

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: Loqbox US Inc
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act Loqbox Account XXXX XXXXXXXX, has violated my rights.

1

5 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. 

Loqbox XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
They want to charge a fee per month yet wont allow me to use the card. Ive made multiple calls and chat messages to try and fix the problem. The company wont do anything about it. 

It needs to be fixed to wrk and fees removed for not providing a service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent.

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 2023-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R&R Professional Recovery, Inc.
State: MD

Complaint narrative:
Please remove off my report the law states no medical bills under {$500.00} should be on a report

Company response to consumer: Untimely response
Consumer complaint received 2023-07-25 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: WA

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
On XX/XX/XXXX I received my approval for a flex loan modification from Cardinal Financial. The letter stated I had 14 days to accept. A drive by servicer came to our home to serve us foreclosure paperwork on Saturday XX/XX/XXXX. I called on Monday XX/XX/XXXX and was told there was an error on the date that was sent out and the foreclosure was stopped. There is a lawsuit that was filed with XXXX XXXX Florida that shows XXXX XXXX XXXX on behalf of Cardinal Financial Company filed foreclosure on our home on XX/XX/XXXX. We had not even received the modification paperwork at that point. 
Our home was severely damaged by Hurricane Ian. We have a XXXX XXXX XXXX. There is a moratorium on foreclosures and negative credit reporting for 12 months post Hurricane Ian that hit us on XX/XX/2022. Cardinal Financial has reported us delinquent on the loan and has the foreclosure lawsuit on hold. I have asked both XXXX XXXX and Cardinal to DISMISS THE LAWSUIT IMMEDIATELY AND WITHDRAW THE XXXX XXXX  AS THEY HAVE VIOLATED THE INVESTORS SERVICING GUIDELINES FOLLOWING THE NATURAL DISASTER, HURRICANE IAN, THAT HAS HAD A DEVASTATING DIRECT EFFECT ON THE COLLATERAL FOR THE LOAN. 
THIS FILING ON OUR PROPERTY IS HOLDING UP FUNDS AND PERMITS TO REPAIR OUR HOME. XXXX XXXX XXXX XXXX XXXX FL XXXX Cardinal is also holding onto our insurance checks that were sent to them to endorse : We need the funds released and they keep sending inspectors that dont report on the entire house repairs. Cardinal Financial is holding over $ XXXX that we need to pay the framer so the roofing company can put a roof on our home. Cardinal states that only 40 % of the roof is complete so they wont release the funds. The funds arent all for the roof. We had to remove all of the drywall in the rooms where the roof came off and the ceilings fell in. We have finished the drywall in the master. Rebuilt stairs to be able to get to the second level to mitigate. Tree removal, mold mitigation etcCardinal Financial has made a natural disaster into a long, painful, credit wrecking, frustrating 10 month long process of fixing our home. We have been living at our neighbors house for the past 10 months. Now that we are getting checks from insurance, Cardinal is holding them and then unlawfully filed a lawsuit for foreclosure, which is holding us hostage yet again to be able to get back into our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: IL

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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: LEXISNEXIS
State: NY

Complaint narrative:
I was given a higher undesirable XXXX XXXX XXXX Quote on XX/XX/XXXX and again XX/XX/2023. Both times LexisNexis provided a Credit Type Auto Report to XXXX XXXX XXXX that caused the high rate quote. 
LexisNexis has no way to get the report on the Internet stating to call them at XXXX -- XXXX. Upon calling LexisNexis Recording states use the Internet Site. They pass me back and forth with no resolve. No human contact is possible at LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: SC

Complaint narrative:
I am a victim of identity left for the past 1 year and a half, There have been numerous fraud charges and credit card accounts opened under my name without my permission. To make matters worse I have lost my wallet at a local gas station around XXXX of this year and everything in my wallet were gone. All of my IDs and my credit cards have been compromised, including my phone. Recently I have noticed there are numerous charges under many credit cards that I own and I've reported to my credit card companies promptly. Most have already issued a refund or provisional credit but the credit card company I'm having an issue with is DISCOVER card. They have declined my request to pursue refunds against a company that I have not done business with. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. I contacted the merchant directly and they have informed me some details. - IP address they have provided does not match my actual location or my IP address. - My legal/real name is XXXX XXXX XXXX NOT XXXX XXXX or any other names they have claimed the card was used under. - The email address those purchases were made under were not under XXXX and thus I have no access to them or know anything about them. - The pattern of those charges were inconsistent comparing to my purchase history with DISCOVER, I would and never have purchases anything in this amount within a short period of time. - Lastly, according to the merchant rules and guidelines competitors are NOT able to vote for themselves, so those charge can not have been under my account anyway and advise me to contact my bank to dispute it as fraud. - I have moved away from XXXX, WV XXXX since XX/XX/2023. I have returned to visit friends and family in XXXX but currently I reside in SC now as you can see my billing address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: IL

Complaint narrative:
I would like to emphasize that the inquiry in question is not associated with me 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 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
Called customer service explained debt was not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NV

Complaint narrative:
USbank has an advertised promotion on their website where they give you a bonus of either {$500.00} for opening a new account with a deposit of {$5000.00} or {$750.00} for depositing {$15000.00} and keeping that balance for 60 days. I opened my account at a branch and went over the details with the help of client relationship consultant XXXX XXXX on XX/XX/2023 and deposited {$15000.00} in cash. On XX/XX/2023 there was an " XXXX XXXX XXXX '' on my account for the amount of {$41.00}. I didn't understand what the charge was about because everything should have been free according to the terms of my opening my Silver Business Checking account. I reached out to their customer service and was told that I would be charged {$0.00} per {$100.00} for over XXXX units! I didn't know what she was talking about because this was a brand new account and when I did the initial deposit to open the account I was never told that I would be charged for making a deposit! This is an absolute scam and this bank is defrauding the public by making them open these accounts and then using our money and then denying the bonus on a technicality they did not disclose. Which bank charges their customers to open an account and deposit money??? This is an absolute scam! I can't even get anyone at their branch to pick up the phone and the customer service representative emailed the client relationship consultant that helped me open the account and CC'ed me on the email and still no 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 non-monetary relief