vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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:
I have called Experian almost 7 times in the last 5 months to have them remove a bogus mortgage loan off of my credit report. They are showing a mortgage loan for " XXXX XXXX XXXX XXXX '' which is only available to residents of North Carolina. I have lived in Florida since 1978 so it's not possible for that to be my mortgage loan. 

This error has caused me to be unable to purchase a property in Florida for me and my children and is no doubt doing harm to my credit profile.

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 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Your agency has placed an unauthorized collection on my credit file without required notice. I dispute this debt 's accuracy and demand immediate validation as required by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681-2 ( a ) and ( c ) and 15 U.S.C 1681-B, to demand the immediate removal of the accounts listed on my credit report. These accounts were added without my express written consent, violating my rights! Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both authorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts.

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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
Received prepaid XXXX  in mail and it shows no fees for Debit or Credit use at any store. 
( You have received a Virtual Prepaid XXXX worth {$120.00} as your XXXX XXXX XXXX XXXX XXXX XXXX settlement payment. ) Try to call number and did not get a person. Computer just repeats the information but no direct person. 
Customer service # XXXX Tried XXXX * and # sign but it just goes bak to promts XXXX etc. 
Webpage is https : //myprepaidcenter.com/ Fees charged {$3.00} and here is the schedule online for fees.

1. Not sure ow I can get person to answer problem?

2. Fees listed ( none applies in my case ) Attached fees PDF file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Porsche Financial Services, Inc.
State: TX

Complaint narrative:
My Porsche XXXX was declared a lemon under Texas lemon law in XXXX. Throughout the buyback process, I received contradictory answers from multiple people at Porsche Financial Services about whether I needed to continue lease payments during the buyback process, which took several months. My credit was not hit for XXXX, confirming that there would be no credit impact. Then suddenly, I received a 60-day late notice in XXXX with no warning. I called Porsche Financial Services, and a different supervisor told me they would do a " date back '' once the buyback was complete to remove the late marks on my credit. When I called after the buyback was completed in XXXX, they acted like I was crazy and refused to do it. Additionally, they never recorded my on-time payment in XXXX. 

I filed a dispute with XXXX, which Porsche Financial Services refused to fix. 

Porsche Financial Services then refused to provide me records of my multiple calls to them from XXXX until now, when I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
According to 18 USC 894- Collection of extensions of credit by extortionate means, to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years., or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
There's a credit card that shows was open and currently shows delinquent by me that I never opened. I never opened that credit card and need it removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: MD

Complaint narrative:
In accordance with Federal credit reporting act this creditor has violated my rights under 15 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 at an account without my instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2024-10-28 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: MD

Complaint narrative:
In accordance with Federal credit reporting act this creditor has violated my rights under 15 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 at an account without my instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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:
In accordance with Federal credit reporting act this creditor has violated my rights under 15 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 at an account without my instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-10-28 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I recently switched my AAdvantage  account to a Double Cash account because I found the AAdvantage account was misleading and I did not use any benefit or promotion for that AAdvantage account. Citi has completed this transfer, but I was informed that I do not qualify for the Double Cash {$300.00} reward after spending {$1500.00} within 6 months because my account was transferred rather than newly opened. Additionally, I was told that if I close this transferred account and open a new Double Cash account, I still would not qualify for the new account promotion. I have not utilized any AAdvantage promotions or benefits. I am struggling to understand why I am ineligible for the Double Cash promotion.

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 2024-10-28 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-28 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with 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 2024-10-28 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: AL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with 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 2024-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have sent requests for validation to XXXX debitors, I have sent these via mail certified. I have never received any response. I have also put complaints with XXXX that I have never received this documentation, and XXXX has not removed these debts from my report. I have been fighting these debts since XXXX  when I first mailed my requests. 

One debt from XXXX XXXX was completely discharged. In fact, I was compensated through a settlement. Now this company is trying to come after from money that was completely discharged. 

The other two debts I do not recognize and have been a victim of identity theft however, XXXX continues to side with the debtor despite there never being any information or validation of debt supplied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I received a fake advertisement for a car warranty. I knew my XXXX XXXX XXXX warranty was ending soon, and I called the phone number to purchase the warranty. I was billed {$290.00} on that day from " XXXX XXXX. '' The person on the phone was claiming to work for XXXX and knew of my current warranty, but once the " Welcome Packet '' arrived in the mail, I took it to my local XXXX dealership who confirmed it to be unrelated to them and fake ( see attached images ). When I tried to cancel my XXXX contract over the phone, I was consistently forwarded to what seemed to be an A.I. automated line with no real person, ending with an empty promise that a live agent would be in touch shortly ( I never got a call back ). Therefore, I disputed the transaction through Bank of America on XX/XX/XXXX and requested a new card thinking it would solve the problem. However, on XX/XX/XXXX, I received another payment of {$270.00} from their billing service ( XXXX ) on my new credit card ( see attached ). On XX/XX/XXXX, I called XXXX to refute the charge and end these payments, but they said only XXXX can cancel these automatic payments by terminating my contract, and then forwarded me to the same fake, XXXX. generated line that led nowhere. At this point, I do not know how to end these payments, as I have tried canceling the warranty contract, calling their billing platform to cancel these payments, and requesting new credit card numbers from my bank XXXX Bank of America ). On XX/XX/XXXX, I sent a letter to the address in the welcome packet I received, requesting an immediate termination of my contract ( see attached PDF ) in the hope they honor it. This information was provided by someone at the phone number ( XXXX ) XXXX who apparently works in the same office building as the scamming company called 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 monetary relief
Consumer complaint received 2024-10-28 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: NY

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} late payment XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Employers : XXXX  XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I am writing to formally request validation of the debt referenced in your recent correspondence regarding an account originally held with Wells Fargo Card Services in the amount of {$6300.00}. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt you claim I owe. Please provide the following information : The amount of the alleged debt. 
The name of the original creditor ( Wells Fargo Card Services ). 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A copy of the original agreement or contract that obligates me to pay this debt. 
Any other documentation that supports your claim. 
I dispute the validity of this debt and request that you cease all collection activities until you provide the requested validation. Additionally, please refrain from reporting this debt to credit bureaus during this verification process. 

I appreciate your prompt attention to this 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 non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTANTS REPORTING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The derogatory rating on my account has directly resulted in loan denials and increased interest rates across my credit accounts. This rating must be deleted and blocked from all three consumer reporting agencies immediately, as required by law.

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