vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a XXXX veteran who has had fraud committed against me as a result i had to file for bankruptcy. This included a Capital One account and now a new account has popped up that i did not open. i filed for bankruptcy and they settled it on XX/XX/XXXX. They are not saying i opened an account ending in XXXX in the amount of {$500.00}. they stated I opened it on XX/XX/XXXX and charged off XX/XX/XXXX. i tried to dispute it but they won't take it off and this is stopping me from getting my loan going for a house with the va.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: AZ

Complaint narrative:
XX/XX/23 i sent a dispute to equifax going over some items i felt were in accurate and eperian has done everything to ignore my request to look into the dispute. They continue to stall in regards to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
From inception of the vehicle purchase the finance company has been allowing XXXX and of the XXXX family to unlawfully credit their account with XXXX  XXXX of the XXXX family is not of the federal reserve & does not have the qualifications to use sed notes, including rendering down payment in addition to the monthly notes for the XXXX XXXX XXXX starting from XX/XX/XXXX. 

The Correct tender has been sent to said party to correct for set off XX/XX/XXXX Change of Terms letter was registered mail to Citizens Financial Group Inc XX/XX/XXXX Letter of Instructions were registered mail to Citizens Financial Group Inc. 

XX/XX/XXXX 1099a filing to the IRS was accepted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  contiunes to report proved fraud on my credit report. the company reporting it will not assist, I have FTC fraud reports, police reports and my local law inforcement ( police/DA ) are investigating this fraud. the loan company has provided conflicting and false information and states the 'loan is verified ' yet will not explain how it was verifed. XXXX has been giving me the run around for months saying just send police report and we will fix it, send ftc report, etc I have done all of this 5 times since XXXX yet it is still being falsely reported. This account in question is not mine, nor was it ever mine and the company that says it is mine has yet to produce any evidence showing it is mine... it needs to be removed from me credit file ASAP this is absurd, please HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX  contiunes to report proved fraud on my credit report. the company reporting it will not assist, I have FTC fraud reports, police reports and my local law inforcement ( police/DA ) are investigating this fraud. the loan company has provided conflicting and false information and states the 'loan is verified ' yet will not explain how it was verifed. XXXX has been giving me the run around for months saying just send police report and we will fix it, send ftc report, etc I have done all of this 5 times since XXXX yet it is still being falsely reported. This account in question is not mine, nor was it ever mine and the company that says it is mine has yet to produce any evidence showing it is mine... it needs to be removed from me credit file ASAP this is absurd, please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian contiunes to report proved fraud on my credit report. the company reporting it will not assist, I have FTC fraud reports, police reports and my local law inforcement ( police/DA ) are investigating this fraud. the loan company has provided conflicting and false information and states the 'loan is verified ' yet will not explain how it was verifed. experian has been giving me the run around for months saying just send police report and we will fix it, send ftc report, etc I have done all of this 5 times since XXXX yet it is still being falsely reported. This account in question is not mine, nor was it ever mine and the company that says it is mine has yet to produce any evidence showing it is mine... it needs to be removed from me credit file ASAP this is absurd, please HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I am writing to lodge a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Paragon Revenue Group XXXX XXXX XXXX : XXXX, located at XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX, for their failure to address an overpayment on my account ( Account Number : XXXX Despite multiple attempts to resolve this issue directly with the agency, including two written correspondences and a direct conversation with an account representative, my concerns have been blatantly ignored. The representative unprofessionally ended the call, stating they could not assist further since the bill was paid. 

In XXXXXXXX  I paid a total of {$1000.00}, and in XXXX, {$1700.00}, against an original balance of {$2300.00}. However, XXXX XXXX bill payment service, overpaid by {$450.00}. I have attached the XXXX XXXX payment summary as evidence of this overpayment and have repeatedly requested a refund of this excess amount, to no avail. 

I am deeply concerned about Paragon Revenue Group 's practices and lack of response, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). I kindly urge the FTC to investigate this matter and ensure that such practices are not repeated with other consumers. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I purchased a brand new vehicle XXXX XXXX XXXXXXXX XXXX was the lender. XX/XX/XXXXXXXX XXXX  while purchasing a new vehicle and trading the XXXXXXXX  I found out there was no record of me owning or purchasing the vehicle. The information was not being reported to the credit bureau. I was initially denied the trade saying because it was thought to be someone else 's vehicle. This is my.second time reporting this the 1st time the complaint was closed and letter mailed out saying that my credit would be updated. There's still no report of me having the vehicle on my credit. This was very embarrassing as well as causing me to have a lower score than I should since my payment history waa excellent but credit shows no trace. It's very frustrating how these big companies get off doing crooked activities and hindering the consumers making them suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
An investigation by the credit bureaus showed that the XXXX XXXX XXXX XXXX XXXX  account XXXX belongs to me, although I indicated that the billing address indicated in this account is an address that was made fraudulently, attaching a FTC report to these investigations, but the credit bureaus considered that this account belongs to me with which I strongly disagree with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
An investigation by the credit bureaus showed that the XXXX XXXX XXXX XXXX XXXX account XXXX belongs to me, although I indicated that the billing address indicated in this account is an address that was made fraudulently, attaching a FTC report to these investigations, but the credit bureaus considered that this account belongs to me with which I strongly disagree with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: Global Lending Services LLC
State: IL

Complaint narrative:
I have multiple inquiries from car loans and one inquiry for a mortgage loan that I did not authorize. I submitted an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have been with Ally since XX/XX/2023 and before I was with Ollo credit card services. I have never missed one payment nor was late with Ollo. Ally takes over and since XXXX I have had late payments every month. I have auto pay scheduled how is that even possible? I call in after I get a text that my payment is late and I am thinking I am set up for auto pay there must be a mistake. I call Ally and they tell me they see the auto pay but it is not making it to process. How is that my fault? I have had the same checking account same system for years. They do not know themselves. Well XX/XX/XXXX I get a text message that my payment is again late and I call in and with the rep she and I both look and see the auto pay is set up she apologizes and gets a man who is supposed to be escalations supervisor but does not have the authority to credit the late fee because Ally has already credited 2 of the late fees and it has to be approved by a special department. He did not offer to even see why the payments were not making it to process but he as well did see the auto payments coming out on the due date. I have had enough and this is not what I want to be late on my credit cards month after month and then have to ask for a return of a late fee that is not even my fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld Systems Inc. is trying to collect on a debt for XXXX XXXX. I used to live at XXXX XXXX XXXX XXXXXXXX in XXXX XXXX, CA and I moved out in XX/XX/XXXX. Initially, XXXX had tried to charge me for the cable boxes but I proved I returned them and paid my balance in full in XX/XX/XXXX. In XX/XX/XXXX, Transworld Systems has tried to collect the debt by phone from a number that does not verify who they are and because I was a victim of identity theft multiple times I wouldn't give them my date of birth, address or the last 4 of my social security number unless they told me what they had and I would verify if it was correct or not. Initially, they would refuse and I refused to give them my personal information. My response was always to send me correspondence through the mail and I would call them back after I received it. I never got the correspondence probably because I hadn't lived at that address for almost 3 years and my mail forwarding from the post office had long expired. After numerous harassing calls from them, I finally agreed to give them partial information based on the understanding that if I provided the correct information they would tell me why they were harassing me. Once they told me that XXXX XXXX said I owed them money I informed the lady to call me back next week and in the interim, I would go to the XXXX office that I returned my equipment to and straighten everything out. When I went to the XXXX XXXX in XXXX XXXX ( which since I had long moved out of the area and was 120+ miles from where I lived ) I was informed by the XXXX representative that I had paid my outstanding balance with them in XXXX and I did not owe them any money. The lady from Transworld Systems called me back I explained to her that XXXX said that my bill had been paid long ago and she still insisted that I had an outstanding balance and that if I didn't pay it, Transworld Systems would take legal action and I told her that I was done talking to her and hung up. I have not had any further interaction with Transworld Systems until they placed collection accounts on my credit report. Once I was notified by XXXX, XXXX, and XXXX that the collection accounts were negatively affecting my pristine credit record, I called Transworld Systems I was told that even if I paid the debt it would still appear on my credit report. I informed them that I would have my attorney take care of this and he informed me to take this step prior to initiating any legal actions. I am XXXX XXXX XXXX with severe XXXX XXXX ( I have XXXX XXXX XXXXXXXX ) and I don't need the added stress from a collection company. My health is my top priority and I don't need to be arguing with debt collectors about something I do not owe! 

For the record, it is my belief that Transworld Services bought old XXXX debts for pennies on the dollar and they now own the debt and want to get money anyway they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
All transactions with my name ssn on it from XXXX ( XXXX ) XXXX refused to mail me out all of my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: IL

Complaint narrative:
This is my first time ever checking my report and I have no knowledge of having any account with first premier credit company. I would like to have the company removed from my report. There has obviously been some form of fraud which I'm highly unaware of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received unemployment benefits thru XXXX XXXXXXXX XXXX XXXX .and I received my payments thru US Bank.for past 2 half months I been having issues US Bank has put hold on my AtM card because I was asked to provide my identity. Which is impossible .after I explain to the customer service representative .due to all my documents were burn in house fire Back XXXX XXXX .I 'm a Permanent Resident since was 5 yrs old my is my social everything was burned including my other phone I have send. US bank a photo of my Identity I'd card that was given to my by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXXThey refuse.to accept it .I tried a lot times to get my money from bank .they refuce to close the account which it was open thru XXXXXXXX I have received .nothing but negative results from US Bank .I had to change my account thru my bank I used in past 5 yrs ..US Bank still holding my money all i ask for my money in check or lift hold that has in my AtM CC card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX traded in my XXXX and sold me a lemon with 4 balled tires, no sensors and I took it in to XXXX XXXX ( XXXX ) XXXX who harassed me for {$300.00} for a spare key. 

XXXX XXXX XXXX my landlord I watched steal the key and called XXXX. I had XXXX my car insurance tow the car back on the lot on camera and XXXX XXXX XXXX refused to remove off my credit report. 

The brakes didnt work, the car didnt drive at all. I removed my tags and called XXXX XXXX police to gain access due to the fact it was a Saturday morning and the arm would not lift for the tow truck driver.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: PA

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX traded in my XXXX and sold me a lemon with 4 balled tires, no sensors and I took it in to XXXX XXXX ( XXXX ) XXXX who harassed me for {$300.00} for a spare key. 

XXXX XXXX XXXX my landlord I watched steal the key and called 911. I had XXXX my car insurance tow the car back on the lot on camera and XXXX XXXX XXXX refused to remove off my credit report. 

The brakes didnt work, the car didnt drive at all. I removed my tags and called XXXX XXXX police to gain access due to the fact it was a Saturday morning and the arm would not lift for the tow truck driver.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX traded in my XXXX and sold me a lemon with 4 balled tires, no sensors and I took it in to XXXX XXXX ( XXXX ) XXXX who harassed me for {$300.00} for a spare key. 

XXXX XXXX XXXX my landlord I watched steal the key and called 911. I had XXXX my car insurance tow the car back on the lot on camera and XXXX XXXX XXXX refused to remove off my credit report. 

The brakes didnt work, the car didnt drive at all. I removed my tags and called XXXX XXXX police to gain access due to the fact it was a Saturday morning and the arm would not lift for the tow truck driver.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I did Not order a new card from AMERICAN EXPRESS BLUEBIRD. I WAS NOTIFIED VIA EMAIL THAT A CARD WAS ORDERED AND ON IT'S WAY TO XXXX XXXX XXXX XXXX, XXXX XXXX, MN. XXXX. THE EMAIL SAYS THE CARD ENDS IN XXXX and was processed at XXXX XXXX today. Please keep my card ending in XXXX activated and the only card that gets direct deposit. Please Report this to The above mentioned entity. My phone service has not been working. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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:
OPT OUT OF ARBITRATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nd terrace XXXX XXXX XXXX FL XXXX Experian XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with ( XXXX, Experian, or XXXX ) through arbitration. 
Again, I reject the arbitration clause in the ( XXXX, Experian, or XXXX ) interactive service agreement. 
Thank you for noting my account. 
Sincerely, Your Name

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