vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
For ACIMA - I had received a loan from them once that got paid. However, a 2nd loan shows, and it is not mine. 

For XXXX XXXX XXXX I have no record of this bill ; it should not be in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: FL

Complaint narrative:
For XXXX - I had received a loan from them once that got paid. However, a XXXX loan shows, and it is not mine. 

For XXXX XXXX XXXX I have no record of this bill ; it should not be in 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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: LA

Complaint narrative:
After I completed everything for my XXXX I was pardoned from that crime and that is not showing up. It's imperative that it shows up I was pardoned, I lost a job because it was not showing up.

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 2023-12-02 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Hundai Motor Finance tarnished my credit in spite of me paying off the loan. I have made numerous attempts to clear and dispute the error but have not received any response. I also disputed with credit bureaus all XXXX and they said to contact the creditor. I am attaching the letter Hundai sent me showing I paid off my loan. This has been affecting my credit since 2019 and recently when I applied for a new vehicle recently and they mentioned hundai!. It continues to come up on my credit report and I have evidence from Hyundai document, see attached form. I sent that letter to credit bureaus and hyundai several times and nothing. 
Hope you can help. 

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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I apply for an Amazon credit card and went through a process to where I had to do a XXXX minute video of my face online through that process. I also had to photograph the front and back of my driver license and it wanted to know the state where II apply for a Amazon credit card and went through a process to where I had to do a XXXX minute video of my face online through that process. I also had to photograph the front and back of my driver license and it wanted to know the state where I receive my driver license, and then I had to process all of that and send it with that. I received a passcode and a phone number to call when I called that number the person on the other end requested my passcode that I received after taking the photograph and my phone number and home address, and my Social Security number, they put me on hold and came back online and said I was approved for a Amazon secured card and I asked what does that mean and what is that because I applied for Amazon credit card they said I wasnt approved for Amazon credit card because of my credit history, so therefore, I was approved for a Amazon secured card with a passcode giving to me for transaction proval then I was ask or was told too deposit {$100.00} as of today as we speak on that card that I was approved of. I said I didnt have it today maybe on the first of next month they didnt approve of that they sent if I did not have the XXXX XXXX today or next month they will have to cancel I said with that being said, go ahead and cancel everything delete all my personal information and etc.. I reporting this because I felt like I dont know if they were legit or illegal but they have all my information and I wanted to report that just in case Technicality to follow behind this transaction

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 2023-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I signed up for a Discover credit card through XXXX XXXX. I signed up for the card because they had an offer that stated spend {$1500.00} in the first three months and receive {$200.00} bonus. Anyways, I spent well over {$1500.00} in the first 3 months and received no bonus. Just got off the phone and they said the offer doesnt show on my account. Meanwhile I contacted them one month after I got my credit card, and they confirmed I would receive the {$200.00} bonus after the 3 months ( if I spent {$1500.00}, which I did ). Anyways, I feel scammed by this whole situation and would like to receive the bonus I was promised when signing up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-03 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 a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: NJ

Complaint narrative:
[ XXXX XXXX ] XXXX Subject : Notice of Dispute under 15 USC 1681 ( b ) Dear Sir/Madam, I am writing to dispute a late payment that has been inaccurately reported on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681 ( b ), I request an investigation into the matter. 

Account Information : Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Inaccuracy : [ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ] I believe that the late payment reported is inaccurate, and I request that you promptly investigate and correct this information. The FCRA requires that consumer reporting agencies and furnishers of information provide accurate and complete information, and any failure to do so is a violation of federal law. 

Please provide the results of your investigation and any corrections made to my credit report within the timeframe specified by law. I appreciate your prompt 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 2023-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates LLC for failing to validate a debt they claim I owe and for continuing to report this unverified debt to credit bureaus. 

Their reference numbers are redacted as below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/23, I formally disputed the alleged debt and requested permissible evidence to validate it, such as original contracts with my signature, fingerprints, or other permissible proof that the debt is owed to them. Copies of statements or bills from an alleged third party are not sufficient evidence. 

Portfolio Recovery Associates LLC failed to provide any original documents or permissible evidence validating I owe this debt. Yet they continue to damage my credit standing by keeping these accounts on my record and reporting them to credit bureaus. 

This is a violation of multiple fair debt practices laws. Despite giving them ample time after my dispute, they have taken no action to validate the debts through legal means or to retract the unverified credit reporting. This false reporting has hurt my credit reputation and caused me humiliation. 

I demand Portfolio Recovery Associates LLC to permanently delete these alleged debts from their records, retract any credit bureau reporting, and cease any further communications regarding these unvalidated accounts. Please assist me in ensuring they comply within 15 days of receiving this complaint, or further legal action will be necessary. 

Thank you for your assistance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: V and H Portfolio
State: TX

Complaint narrative:
It is against the law for anyone to sell an account I have not signed any form stating that this is my account nor did I sign for anyone to sell my an account, I have not supplied proof under doctrine of esptoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name, address, phone number, and other information is wrong on my credit reports.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name, address, phone number, and other information is wrong on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: TX

Complaint narrative:
My report was pulled on these days without my knowledge or consent Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I got a priority envelope in mail had a check in my name seemed real went bank to see if I could deposit it it went threw I didn't expect nothing bad was going to happen i called the number and gave the batch number as indicated in document screens hated recite to the company and that was that for that day next morning got a alert about the check so I called and lady was angry and told me were closing ur account I tried to explain but they didn't care so I started getting XXXX and was chocked about all this that happened later that they got a message from the scammer and told me your lawyer wants to know if u could send payment so you could receive your winnings from lottery XXXX XXXX then I notice I was being scammed now over this person I loose my account I should of seen the red flags but I was being fooled whole time now I don't know what to do I really like wells fargo I didn't want to end up like this I hope I could get this taken care of it really hurt me and I would never fall for this incident ever again thankyou

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 2023-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems LLC for failing to validate a debt they claim I owe and for continuing to report this unverified debt to credit bureaus. 

Their reference numbers are redacted as below : XXXX XXXX On XX/XX/23, I formally disputed the alleged debt and requested permissible evidence to validate it, such as original contracts with my signature, fingerprints, or other permissible proof that the debt is owed to them. Copies of statements or bills from an alleged third party are not sufficient evidence. Jefferson Capital Systems LLC failed to provide any original documents or permissible evidence validating I owe this debt. Yet they continue to damage my credit standing by keeping these accounts on my record and reporting them to credit bureaus. This is a violation of multiple fair debt practices laws.

Despite giving them ample time after my dispute, they have taken no action to validate the debts through legal means or to retract the unverified credit reporting. This false reporting has hurt my credit reputation and caused me humiliation.

I demand Jefferson Capital Systems LLC to permanently delete these alleged debts from their records, retract any credit bureau reporting, and cease any further communications regarding these unvalidated accounts.

Please assist me in ensuring they comply within 15 days of receiving this complaint, or further legal action will be necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Sent an overnight check to Capital One Bank on XX/XX/XXXX which was for more than the balance due, check was signed for on XX/XX/XXXX. The check amount was credited to my account on XX/XX/XXXX. After seeing the posting online, I contacted Capital One to see if the would consider waiving the interest fees that were charged to my account seeing I have never been late, and my account was in very good standing with them and customer service confirmed that the account was in very good standing. Also, I asked why it took them 3 days to post to my account and accrue additional interest. I never have asked for any consideration in the past to waive any interest charges. I was told NO by customer service and that they had 3 days to post my check. They could not give me a straight answer to why the check was not posted on XX/XX/XXXX when it was signed for and received. All i was asking for was a overpayment of {$71.00} returned to me which included the waiving of the accrued interest. I was still told NO that they could not waive any fees and the interest of {$26.00} will be deducted from my overpayment plus the XXXX charge of {$7.00} and a total of {$37.00} would be sent to me in approx. XXXX. I requested that the funs be sent to me that day. They said they would process the request and a check would be mailed in XXXX business days. I tried to explain that I have paid off several Credit Cards, which were overpaid and ALL XXXX, XXXX, XXXX XXXX  and XXXXXXXX XXXX  ALL waived there interest fees and the Full Overpayment dollar amount was refunded in Full. Dealing with Capital One XXXX Customer service is a nightmare. I even spoke to a supervisor and She told me that the decision they mentioned will stick. I told them that I would file a complaint and I was told To Go Do What You Want. All we are talking about is a total Refund of {$64.00}, not {$37.00} I even took steps to make sure no Additional Charges are placed on this Credit Card Again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My report was pulled on these days without my knowledge or consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I was deceived, misled, and they used offensive and abusive language stating that I owe a loan on a credit sale that was conducted fraudulently. They have continued to report on my consumer file/report as I have provided a police report, a letter from the Department of Justice of a being a victim of identity theft. This has caused a lot of emotional distress, grave damage to my consumer report as I could not get a home for personal, family, and household use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
We are applying for an apartment. Equifax Saya there is no hold or freeze on the account but the apartments program they use to pull the credit says there is a consumer fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was reported XXXX past due, XX/XX/XXXX was reported XXXX  days past due, and XX/XX/XXXX reported XXXX past due. This does not correspond with the dates reported in XXXX and TRANSUNION, as they report XX/XX/XXXX - 30 day past due, XX/XX/XXXX - 60 days past due. and then XX/XX/XXXX XXXX days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect. XXXX : XXXX states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX XXXX XXXX day past due, XXXX XXXX XXXX days past due. and then XXXX XXXX XXXX days past due. TRANSUNION : TRANSUNION shows XXXX XXXX XXXX day past due, XXXX XXXX XXXX days past due. and then XXXX XXXX XXXX days past due. TRANSUNION shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. Please update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.

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