vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
On XXXX I tried reloading my XXXX balance with the {$100.00} Vanilla Gift Card I purchased at XXXX for {$4.00} the same day. I had several issues with it and could not use it. This was after attempting to use it for my initial purpose to pay my insurance, which was also denied. I confirmed that the balance was {$100.00} on their website. I tried contacting customer service and getting more information, but the phone number has no option to speak to a representative and offered no help. Their website FAQ was also no help. Searching forums revealed others having similar problems. I tried their fixes, including entering my name as " Gift Card '' to no avail. The terms clearly state that it will work anywhere visa debit cards are accepted and this is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NJ

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain 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 2024-03-20 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: GA

Complaint narrative:
There inquiries were not initiated by me and is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There are several fraud alerts on account. The Capital One Card was open through XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( I have open complaint with XXXX  XXXX XXXX XXXX : False advertising ( ( Grant contract of $ XXXX {$400.00} dollars XXXX ) ) Refused to give my Diploma ) ) The XXXX XXXXXXXX XXXX XXXX offered me the Capital One Card to Start a Entreprenurial Business. I had the card monitored. 
The Venture card {$700.00} limit to help build my credit.

There were problems receiving paper statements. I went to Capital One XXXX XXXX to complain. I introduced myself to the bank customer service representatives used their phone. 
I have been paying a credit card bill. There is a second credit card active and missing. 

I have complained in the USPS mail. 
I have complained on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts are incorrect, and it's causing me discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : - XXXX XXXXXXXX - Account Number : XXXX - XXXX - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I had set up a trial payment. Which was initiated by sls after the first payment I called and set up the additional payments for the XXXX of each month. They attempt to take the payments out on the XXXX. The second one did not go through they have since been making multiple debits to my checking account with my bank, causing it to go into a negative balance and fees from my bank and from sls for payment reversals I asked them to stop and it has not. It has prevented me from paying my XXXX bill, which is ready to be disconnected and when payments go through, all of my funds are tied up for several days. This is causing a problem with me with other bills and not having any access to my funds. They have been using several unfair and deceptive practices that I have filed prior complaints for but the staff is very unfriendly and not helpful so I am filing another complaint because they submitted another payment, they told me the trial. And the modification was canceled. They continue to debit my checking account see attachment this is causing unnecessary expense and hardship and buying up bonds for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Problem with a credit reporting company 's investigation into an existing problem. Their investigation did not fix error on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Problem with a credit reporting company 's investigation into an existing problem. Their investigation did not fix error on 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 2024-03-20 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: CA

Complaint narrative:
I have three accounts reporting on my credit report, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All three of these accounts are also being updated as a charged off on my report as if the account is still open and reporting a balance of {$330.00}, {$230.00}, and {$960.00} when the account should be XXXX due to the account being reported a charged off account. Also none of these accounts are being reported or accurate across XXXX nor XXXX. All the information on this account which is inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I have previously asked this company to stop calling me and only send me mail for communication to my po box , but they continue to contact me over phone repeatedly despite my requests. I have explicitly informed them not to call me and have even sent a certified letter to reiterate this, but they persist in contacting me. I have also lodged a complaint in the past, yet they continue to disregard my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSKY OPERATIONS, LLC
State: WA

Complaint narrative:
Due to multiple costs after a pipe burst at my home one of the repair companies offered to run an online credit check for an installment plan. I told them my credit accounts were frozen due to previous data breaches and they decided to try, but it was declined. 

Unexpectedly I received a letter dated XX/XX/XXXX stating that XXXX indicated my credit score was XXXX which is incorrect- my credit score was unavailable ( which is not the same as a credit score of XXXX ). 

The letter came from GreenSky XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The signature block of the letter was XXXX XXXX XXXX USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX credit check was through XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have had multiple data breaches affect me including needing credit monitoring ( and am currently under free monitoring for the latest one ). It is a great concern to me that there not be a record anywhere stating I have a credit score of XXXX. 

None of the three companies listed above have been willing to take any actions and each just refers me to another of the companies. It is incidentally very difficult to connect with a live person at any of the three since I am not technically a customer of any of them. More like a victim of all of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: PA

Complaint narrative:
My name is XXXX XXXX. I recently checked XXXX, Transunion and XXXX credit reports and I found out billing errors that clearly violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )

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 2024-03-20 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: PA

Complaint narrative:
My name is XXXX XXXX. I recently checked Experian, XXXX and XXXX credit reports and I found out billing errors that clearly violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )

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 2024-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Lived in a XXXX apartment with two other residents. I moved out earlier than the two of them and let the office know. I let the two resident left in the apartment keep my portion of the deposit if needed for move out. Upon move out, there was a remaining balance of around {$110.00}. The remaining two residents failed to pay and it went to collections. Upon receiving notification I was on the collections account I let Genesis Collections know that I was not responsible and it will be the two other residents. One of the two residents paid the debt in full. However, Genesis Collections inadvertently created a separate debt account with my name only for the same debt of around {$110.00}. I did not know this until I received notification on my credit karma app the collections was added to my account. I called Genesis and they were adamant it was a separate debt, I told them they need to call the apartment because it is one single debt for three residents and have the account removed from my name. They said they would call management and get back to me. I never heard back and had to call on my own. First they said the debt was not reported to collection on my credit report. Then they confirmed they made a mistake and LUCE canceled the debt under my name individually as the {$110.00} was already paid by one of the residents under the lease agreement. I then asked them to remove it from my credit reporting and they said they cant or it will take 1-2 months. I asked for a letter confirming the cancellation, paid in full, and steps they are taking to remove the collections from my credit. I still have not received this confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: CL Holdings LLC
State: GA

Complaint narrative:
XXXX and Jefferson Capital Systems are in violation of the Fair Credit Reporting Act by reporting this allege debt that has not been validated or verified as belonging to me. I have received no documentation or contact information for me to follow up with on how they were able to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Greetings, I need help with information I detected from LVNV FUNDING LLC XXXX XXXX XXXX, XXXX, SC XXXX This notice is a Validation of a Debt Request ; Pursuant to 15 USC 1692gb. Cease and Desist Pursuant 15 USC 1692 ( C ) ( c ) LVNV FUNDING LLC XXXX XXXX XXXX, XXXX, SC XXXX Please be advised that I hereby dispute the validity of the alleged debts listed below in their entirety. 
LVNV FUNDING LLC alleged debt for {$1100.00} and LVNV FUNDING LLC alleged debt for {$1200.00} LVNV FUNDING LLC, I am unaware of the alleged debts, I didnt have an opportunity to dispute the information / alleged debts. I did not receive proper notification ; if in fact you believe you furnished me with appropriate notification then please send me a copy of the certified receipts with my signature on it and furnish a copy of a contract or agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have gone round and round with them since XX/XX/2023. I have sent them everything they have asked for and they now say they dont have enough information and info is missing so they denied and cancelled my loan assumption. Per my divorce decree I have to get this done and they have made my XXXX XXXX XXXX XXXXXXXX. As a single mom I cant afford to refinance this home and live here. I will have to move my kids out of the schools and move homes when they are already struggling and this company is forcing me to do so because they are missing information. What information is missing and why cant I have a representative from the bank talk to me. Why will they only communication by fax and mail. I find that disheartening. This loan assumption has been so awful and I know why they are making it hard because they dont want to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: LendingPoint Holdings LLC
State: HI

Complaint narrative:
I am writing this complaint to LENDINGPOINT LLC that I want to dispute specific records in my credit file that I find erroneous. Please erase the false information that keeps harming my credit report. Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with explanation