vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Self Financial Inc.
State: MI

Complaint narrative:
I am trying to purchase a house however when I went to review my credit report, I notice some derogatory accounts on my report. I asked them to remove all this information immediately, they sent back information stating this account has been verified but did not send me a purchase agreement or any information confirming it. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 ( section 6 0 2 a ) states that I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The following companies made unauthorized hard inquiries on my credit. 

Consumer Portfolio XX/XX/XXXX Global Lending Service XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Portfolio XX/XX/XXXX Global Lending Service XX/XX/XXXX Ally Financial XX/XX/XXXX DT Credit XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX Global Lending Service XX/XX/XXXX XXXX XXXX XX/XX/XXXX Comenity Capial/COSM XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Exclusive XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Prestige FIN XX/XX/XXXX Flagship CRE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Superior MIT XX/XX/XXXX Maryland Auto XX/XX/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 2024-05-15 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: VA

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
My mom and I had the same name for several years until she got married in 2013 where her name is now XXXX XXXX XXXX XXXX And I am XXXX XXXX. We live at two separate addresses. Pressler and pressler has been harassing me on a debt in my mom 's name this debt is from when she was still XXXX XXXX but I have always been and am still XXXX XXXX the short end of things is my mom owes the debt and because she used to live at my address for a few months because she almost died and had no where to go I let her stay with me. My mom is on social security and does not work. I work multiple jobs and they have garnished my bank account/checks. 
I paid one of the debts using my credit card for the amount of {$630.00} they had no right to go into my personal checking account I have informed them of her current address and the writ was remade with her address but still has it under XXXX XXXX so now my bank account was levied {$590.00} and {$120.00} in addition to what I said I would pay I arranged to pay {$150.00} every month on my credit card until the other debt of {$1500.00} something is paid. I do not want them harassing me or my mom and I definitely don't want them in my bank account. I would also like my money returned and feel like both I and my mother should be able to sue them for emotional distress and loses of wages as well as incorrect identity. Plus this debt was over 15 years old and the court renewed it makes no sense I want justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: AR

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

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX refused my payments and then charged off the account. They have ignored the cease and desist letter sent regarding the charged-off account and are continuing to report the account to the consumer reporting agencies which is a direct violation of the cease and desist letter and the Fair Credit Reporting Act ( FCRA ). Transunion continuing to report this information is collusion with XXXX XXXX to violate my consumer rights and is grounds for legal action/arbitration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: WY

Complaint narrative:
On XX/XX/XXXX I requested a replacement card from Serve American Express Prepaid Debit Account as mine cracked and was not usable. They took the replacement fee from my account at that time. 

On XX/XX/XXXX I called as I had not received my replacement card ( which my paychecks are deposited on ). The lady said my address was not verified and it would be XXXX to XXXX business days and I would get a new card. 

On XX/XX/XXXX I called and the gentleman said he could not help me as it was not XXXX business days. 

On XX/XX/XXXX I called, again being told my address was not verified and it would be XXXX to XXXX business days. At this point, it has been over a month without access to my money. I have been unable to pay bills, buy food or gas. I asked for them to expedite the card and was told they could not do that, as I needed to wait the XXXX full business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have tried endlessly to speak with a human on multiple occasions to contest the XXXX inquiries that have adversely impacted my XXXX score on multiple occasions, the most recent being XX/XX/XXXX decrease of XXXX points and I am going to report XXXX to my politician, local news, XXXX the White House, CFPB, and whoever else I have to until they repair my credit score for these two instances. I was the victim of identity theft which is why I have a fraud alert on my credit report and on top of that original injustice I am now repeatedly adversely affected when I try to take out credit cards from aggressive yet uninformed salespeople ( Macys XXXXXX/XX/XXXX and XXXX XXXX Citi Credit Card in XXXX ). I want to take out a mortgage for the first time in my life next year and XXXX will cost me tens of thousands of dollars in my interest rate after hard fought work to improve my credit score. As a slap in the face, there is nobody to talk to or even email concerns - rather a XXXX  designed to obfuscate. XXXX must be held accountable and justice will be served against them and to increase my credit score and hold them accountable in their policies and customer experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: WI

Complaint narrative:
A few accounts are reporting inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also multiple fraudulent inquires

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit 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: NV

Complaint narrative:
I had my Discover credit card stolen on XX/XX/2023. 3 charges were made at the same time on XX/XX/2023. One was a flight XXXX to XXXX then another one to XXXX booked and travelled on the same day. The other two were hotels. XXXX support that this charge was fraud. But the two other charges made by an unknown person were reversed and charged back to my card. They claim the merchant provided evidence supporting the charge. But the charges were not made by me and listed a different name as the primary and booking passenger. The email and telephone number were not mine. I think when they stolen my cards they saw my tax return in the same drawer to use for my personal information. The airline ( XXXX ) confirmed that only one passenger boarded those flights. Plus, the other hotel was notified that the credit card used for booking was stolen and reported as fraud. They spoke with guest but they told the hotel it was a mistake and to go back and discuss with travel agency ( XXXX ). The hotel agreed. But then the guest disappeared without hotel being able to collect cash. So, travel agency decided to dispute the fraud charge so they were not responsible. Discover has sided with two of the three travel agency against the fraud charges and hold me responsible. But the third charge is still fraud which is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed a Bankruptcy ( acct : XXXX ) on my credit report and disputed it with the credit bureaus in XXXX  ( LATE ) which they stated was accurate. I began to look up the proper way in which it was reported because they stated they spoke with the " original creditor '', which would be the Court. I wrote the court a letter in XXXX of XXXX asking that they verify the information. Being an XXXX this is all new to me. The court said they do not report anything to the Credit bureaus ( this paper is uploaded ). Which lead me to being very confused. If they do not report it, why is it there...? 
After more time and research, I disputed it again with the credit bureaus XXXX, XXXX and trans union in XXXX. They said it was accurate, but this time they changed and said it was reported by a company called XXXX, which I have never heard of. I guess they report public records. I submitted a request to them in XXXX and they responded with a generic letter stating they were looking into it, but also cited a company called XXXX This passing the buck never ends. 

I have attempted several more times the credit bureaus in XXXX and XXXX, and even did a dispute for XXXX because this inaccurate item is hurting me so much! I am not sure where to turn because I feel they are ignoring 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 non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed a Bankruptcy ( acct : XXXX ) on my credit report and disputed it with the credit bureaus in XXXX XXXX LATE ) which they stated was accurate. I began to look up the proper way in which it was reported because they stated they spoke with the " original creditor '', which would be the Court. I wrote the court a letter in XXXX of XXXX  asking that they verify the information. Being an XXXXXXXX  this is all new to me. The court said they do not report anything to the Credit bureaus ( this paper is uploaded ). Which lead me to being very confused. If they do not report it, why is it there...? 
After more time and research, I disputed it again with the credit bureaus equifax, XXXX and XXXX XXXX in XXXX. They said it was accurate, but this time they changed and said it was reported by a company called XXXX, which I have never heard of. I guess they report public records. I submitted a request to them in XXXX and they responded with a generic letter stating they were looking into it, but also cited a company called XXXX This passing the buck never ends. 

I have attempted several more times the credit bureaus in XXXX and XXXX, and even did a dispute for XXXX because this inaccurate item is hurting me so much! I am not sure where to turn because I feel they are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: TX

Complaint narrative:
As an individual that is a victim of identity theft it is of importance that all my credit report is accurate, and at the moment this report is not reflecting accuracy. This is harming my ability to gain credit because of the past data breaches and inaccurate data and fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC.
State: LA

Complaint narrative:
I signed a contract with XXXX XXXX XXXX on XX/XX/year>. Payments were to be managed through Healthcare Finance Direct. The payment plan was to include the aligners themselves, which I received, but also online services and consultations that are no longer available to me. The company completely ceased operations in the middle of my treatment plan and offered no means of communication or any kind of resolution. My treatment plan was set to end in late XXXX of this year. I did not complete my treatment plan at the time the company ceased operations, and thus did not receive the services paid for. Healthcare Finance Direct claims that I need to continue making payments for these services even though the contract that was signed was broken by the company when they discontinued their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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 recently reviewed my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 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 2024-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
My loan has been transferred several times. While under service with Rushmore loan management, several payments were made to them from the state of Ohio ( XXXX XXXX XXXX ). 
They state they have to record of these payments. This company was absorbed by Mr Cooper and is now called Rushmore serving. I cant access any information nor can I get anyone on the phone. Where did that money go?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: GA

Complaint narrative:
I am a victim of identity theft over and over. I just found out that my mail was forwarded out and criminals open up new bank accounts and credit card accounts under my name.I never knew these accounts was opened because I wasnt getting mail directly to me. XXXX the accounts was ran up and reported late. Ive called the credit card companies as well as filed a police report with the banks. This is absolutely the worst time for this to happen because I am looking to buy a home and my credit is Ruined. 

XXXX account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} 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 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following 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 non-monetary relief