vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is inaccurately reporting an auto loan as open on my credit report with XXXX XXXX XXXX. This loan is closed. I tried disputing this inaccurate information with Transunion directly online, but I kept receiving system errors. My dispute attempts were unsuccessful.

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to follow up on my dispute resolution requests submitted to XXXX, Equifax, and XXXX on XX/XX/2024. Despite the XXXX timeframe outlined by the Fair Credit Reporting Act ( FCRA ), I have not received any updates or resolutions from any of the bureaus.

Enclosed are copies of all correspondence and documentation related to my disputes. I respectfully request prompt attention to this matter, coordination with the credit bureaus, and clarification on the expected timeline for resolution.

Thank you for your assistance in resolving this issue.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to follow up on my dispute resolution requests submitted to Experian, XXXX, and XXXX on XX/XX/2024. Despite the XXXX timeframe outlined by the Fair Credit Reporting Act ( FCRA ), I have not received any updates or resolutions from any of the bureaus.

Enclosed are copies of all correspondence and documentation related to my disputes. I respectfully request prompt attention to this matter, coordination with the credit bureaus, and clarification on the expected timeline for resolution.

Thank you for your assistance in resolving this issue.

Sincerely,

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 2024-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TAG Intermediate Holding Company, LLC
State: NM

Complaint narrative:
tricolor autogroup is not a professional auto loan company i bought a XXXX XXXX XXXX i gave XXXX for down payment and my payments where gon na be XXXX a month but then they said it was biweekly so in a month it came out to XXXX and to top it off they wouldnt take my payments so they can repo my car i have money to pay but they wouldnt take my money like if my money wasnt good enough they humiliated me to the fullest extent they took my car the first month no question asked i have XXXX boys to support and take them to school and to top it off XXXX of my sons is XXXX with XXXX XXXX and its sad enough i couldnt take them to school this company is unprofessional they have no professional ethics they take advantage of me cause of my credit score but its not fair for me to be in collections for 7 years or more because of their unprofessionalism and not going through with the contract i shouldnt be held responsible im struggling to buy another vehicle because i didnt get my deposit back from tricolor autogroup they didnt care i have my children who i provide for them i hope you take into consideration this complaint and should not be held liable for their unprofessionalism and im taking tricolor autogroup to civil court to sue them for my XXXX deposit i gave for the XXXX XXXX XXXX they took from me well thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: DC

Complaint narrative:
A few days back, I reached out to Experian via phone regarding the incorrect addresses listed on my profile. I have also taken the step of sending them letters concerning closed accounts that continue to appear on my consumer report without my authorization. These accounts have been closed, thus they no longer have the right to be reported on my consumer profile.

Additionally, I have been proactive in reaching out to all collection agencies involved, disputing their claims, and requesting validation of the debts. As per the Fair Debt Collection Practices Act ( FDCPA ), until these agencies can verify the accuracy of the information provided, they are not legally permitted to report on my account. It is essential that my consumer report accurately reflects my financial standing.

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 2024-03-31 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

I tried reaching out to these creditors to provide proof of debt and non of them responded and its been over XXXX  days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXX XXXX : KNIGHT ADJUSTMENT BUREAU, XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU XXXX XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU XXXX XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU XXXX XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXXXXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXX XXXX : KNIGHT ADJUSTMENT BUREAU, XXXX XXXX : KNIGHT ADJUSTMENT BUREAU XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX XXXX Received a report from LexisNexis saying my savings account for XX/XX/2022 and XX/XX/2022 had {$1800.00}. Combined with my checking account this put me over the {$2000.00} resource limit and triggered an overpayment. However, the REAL amount in the savings account for that month was {$51.00}, Verified by the bank itself. LexisNexis failed to provide a copy of my consumer report upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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 PULLED MY EXPERIAN CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING THAT DO NOT BELONG TO ME. IVE TRIED CONTACTING THE CREDITORS AND NOTHING CHANGE. PLEASE REMOVE 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 2024-03-31 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 PULLED MY EXPERIAN CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING THAT DO NOT BELONG TO ME. IVE TRIED CONTACTING THE CREDITORS AND NOTHING CHANGE. PLEASE REMOVE 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
Consumer complaint received 2024-03-31 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:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING THAT DO NOT BELONG TO ME. IVE TRIED CONTACTING THE CREDITORS AND NOTHING CHANGE. PLEASE REMOVE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am asking for help because i am being harassed by debt collector who calls me over and over again and even after i left the debt collector know that i was working at its not a good time for me to talk due to me being at work and i cant use my phone. They are still calling and i have numerous amounts of calls from the debt collector. 

i looked up this law 15 USC 1692 which is the FDCPA and in section 1692 c ( a ) ( 1 ) it says at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 

( at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXXXXXX and before XXXX XXXX XXXX, local time at the consumers location ) The debt collector still was calling me and they violated me again under the FDCPA i let them know that because I'm at work i cant take personal calls and due to me working long shifts and overtime i cant be on the phone and they continue to call me. This is a violation 15 USC 1692C ( A ) ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: GA

Complaint narrative:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING THAT DO NOT BELONG TO ME. IVE TRIED CONTACTING THE CREDITORS AND NOTHING CHANGE. PLEASE REMOVE 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
Consumer complaint received 2024-03-31 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: FL

Complaint narrative:
I HAVE RECENTLY CHECKED MY CREDIT REPORT AND OBSERVED SOME UNAUTHORIZED INQUIRIES STILL REPORTING.

Inquiries not authorized in Equifax : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

Inquiries not authorized in XXXX : 1. The inquiry was not authorized XXXX XXXX Inquiry date : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: CL Holdings LLC
State: NY

Complaint narrative:
I recently had to pull my credit report for the first time as I am a freshman college student and was getting rejected for a housing application. I realized that there's Debt collection company named JEFFERSON CAPITAL SYSTEMS, XXXX XXXX on my credit report. According to my credit report, this collection appeared to have been submitted on XX/XX/XXXX and the debt that was referenced was listed as delinquent since XX/XX/XXXX in the amount of {$590.00}. The report did not list what this debt was for and myself nor my parent has never had any dealings with this JEFERSON CAPITAL SYSTEMS. According to collection activity, the last XXXX digits of the account number for this activity is # XXXX and listed an open date of XX/XX/XXXX. 

In XXXX, I was XXXX XXXX XXXX and unable to conduct any type of business. This information is erroneous and false and as such should be taken off my credit report and the company needs to be investigated. It is also of note that the erroneous debt was listed on my report for collection AFTER the NYS statue of limitation for such debt if it were valid. It should also be taken into account that JEFFERSON CAPITAL SYSTEMS has never reached out to me regarding this matter before I saw it on my report which denied me opportunity to investigate it and defend myself and protect my credit. Because of this action, I am being denied benefits that are critically important to my livelihood as a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: Regional Management Corporation
State: IL

Complaint narrative:
i have a hard inquiry on my credit report that clearly isn't me they have me confused with some else with similar name and social security i want this taken out of my credit report this was done XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: TN

Complaint narrative:
On XX/XX/2024 I sent in letters to the credit bureaus and have yet to hear back from them for reporting inaccurate information to my consumer report. The accounts in question obtain a lot of inaccuracies and according to the FCRA any inaccuracies on a credit profile must be removed immediately. Each accounts shows a different date open amongst the bureaus which would be impossible because how can I open an account on XXXX different days. I feel like I am being taken advantage of and I won't stop fighting this until it's resolved. These inaccuracies are holding up my life and I am prepared to file for litigation if these accounts aren't removed immediately. I was also impacted by the XXXX data breach. The accounts at question do not belong to me and they have yet to provide proof that it does. Thank you in advance for your help with this manner.

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 2024-03-31 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: TN

Complaint narrative:
On XX/XX/year> I sent in letters to the credit bureaus and have yet to hear back from them for reporting inaccurate information to my consumer report. The accounts in question obtain a lot of inaccuracies and according to the FCRA any inaccuracies on a credit profile must be removed immediately. Each accounts shows a different date open amongst the bureaus which would be impossible because how can I open an account on XXXX different days. I feel like I am being taken advantage of and I won't stop fighting this until it's resolved. These inaccuracies are holding up my life and I am prepared to file for litigation if these accounts aren't removed immediately. I was also impacted by the equifax data breach. The accounts at question do not belong to me and they have yet to provide proof that it does. Thank you in advance for your help with this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: CO

Complaint narrative:
I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH TRANSUNION, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY.

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX 4. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of 15 U.S.

Code 1681s-2 ( a ) ( 1 ) ( B ) and this account must be removed.

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 2024-03-31 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: FL

Complaint narrative:
I HAVE RECENTLY CHECKED MY CREDIT REPORT AND OBSERVED SOME UNAUTHORIZED INQUIRIES STILL REPORTING. 

Inquiries not authorized in XXXX : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

Inquiries not authorized in TransUnion : XXXX. The inquiry was not authorized XXXX XXXX Inquiry date : XX/XX/XXXX Please remove it 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 2024-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I applied for hardship due to XXXX XXXX. I'm entitled for 18 months. This program expired on XX/XX/year>. My application was XXXX to XXXX which falls within the umbrella before the expiration which is XX/XX/year>. They put me in forbearance but they did not defer or put it at the back of the loan. 
My house was vandalized when I was at the hospital and they mislead me telling me to repair repair and we will help you. I was expecting them to put it at the back of the loan but their in error have not approved the deferment that put me in a position that I'm behind in payment and now they won't even accept single payment. I feel that they really want me to be default so they can get my property. The investor disapproved because he said the equity is higher than what I owe. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Today, XXXX, I closed my XXXX XXXX XXXX from Barclays and attempted to get my annual fee refunded. 

According to customer service agents I spoke to during calls on XXXX, XXXX and other dates, the policy of the XXXX XXXX XXXX was to refund the annual fee if the account was closed within 60 days of the annual fee being charged. 

I requested and confirmed the exact date that this 60 day period would elapse from several different customer service representatives on the above dates. Each and every customer service agent stated that XXXX was my last day to close and receive a refund. 

I closed my account on XXXX, but the customer service agent stated that they could not refund the annual fee for some reason, but that they could open up a " case '' to see if they would decide to refund the annual fee. This case would take anywhere from 45-60 days to process. 

I spoke to a supervisor about this issue who closed my account and provided me with the case XXXX XXXX XXXXXXXX. The supervisor also informed me that the reason they could not refund the annual fee was because the 60 day period began on my " anniversary '' date, which was XXXX, not the " annual fee billing date, '' which was XXXX 

According to her, I could just keep the card since I paid the annual fee already, or she could file the case. I informed her of the previous statements made by customer service representatives and she apologized that they were misinformed. 

I feel that this is bad behavior from Barclays and I can not trust them to operate in my interests regarding the outcome of this case. I filed this complaint immediately after the call to preempt any shenanigans on their part. I have also paid the {$99.00} fee to prevent interest from accruing in the mean time.

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