vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have contacted ALLY 30x regarding this same charge and they still can't get it right. There are two charges from XXXX {$230.00} & {$140.00}. XXXX refunded {$140.00} & {$89.00} which totals the charge of {$230.00} I AM STILL MISSING A REFUND OF {$140.00} ALLY keeps stating that XXXX only owes me {$0.00} because they are confused that the {$140.00} refund doesn't belong to the charge of {$140.00} I have spoken to several supervisors who have hung up on me or have put me on hold for over an hour and I am not only drained but extremely disappointed in the vision of ALLY Identification # of all reps spoken to at ALLY XXXX, XXXX, XXXX, XXXX, XXXX, supervisor ANW I recieved a response for the original complaint XXXX where Ally responded saying they have refunded the {$140.00} plus interest on XX/XX/24 imagine my surprise on XX/XX/24 to see they have REBILLED the same amount again & when I called I am told the claim investigator went into my claim reopened it and rebilled it back this should be illegal & a breach of my dispute rights. This claim was already closed and found in my favor. This claim investigator needs to be held responsible for this! If they have done this to me I can only imagine who else they have done this too!

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 2024-05-18 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in 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. 

TRANSUNION : XXXX ACCOUNT : XXXX. XX/XX/2022 Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of 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 shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-05-18 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: EQUIFAX, INC.
State: MN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I requested the for them to tell me who the original creditor is Okay can you send me a copy of all the statements, any type of payments received, and your license that you in fact are able to collect debt in my state. 
Under The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to verify the validity and amount of a debt they are trying to collect. The FDCPA also requires debt collectors to send a written notice, called a " validation notice '', to the consumer within five days of the initial communication. This notice must contain information about the debt and the consumer 's options for responding. 
It has been 60days and no response has been made nor have they removed this inaccurate report from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: EQUIFAX, INC.
State: MN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
**Complaint to CFPB : Unauthorized Account and Fraudulent Activity** -- - I am writing to file a complaint regarding fraudulent activity involving XXXX and XXXX XXXX  XXXX These entities have fraudulently used my identity to open a makeup account without my authorization. I am a man and do not wear makeup, and I never authorized the opening of this account. 

I request that the inquiry related to this unauthorized account be removed immediately. 

This is not the first instance of such fraudulent activity ; this is the second time in a year that someone has attempted to open an unauthorized account in my name. 

I have forwarded this matter to my legal counsel for further advice and action. 

Please address this issue promptly to prevent further damage to my credit and identity. 

Thank you. 

-- - Please make sure to include all necessary personal information and documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Netspend Corporation
State: MN

Complaint narrative:
I opened a complaint against Netspend XXXX. They resolved this issue and sent me a check for {$62.00} and the withdrawals from the account after my brothers death. I deposited the check in XXXX, within the 90 days of the validity of the check and the check was returned to my bank as not valid. 

I contacted Netspend XX/XX/XXXX, the day I received communication from my bank and I have not received any communication from them.

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
i open a fraud investigation the account was open without my permission online they had my ex husband name and my social security number which is frauduant

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent capital services is stating that I still owe XXXX dollars on a charged off account and an account paid thru a settlement offer with XXXX XXXX. Also, on my credit reports, it shows this account being opened on XX/XX/XXXX which is wrong. It shows the XXXX delinquency on XX/XX/XXXX, how is that possible? It also shows that the date of major. delinquency XXXX reported is XX/XX/XXXX. Really? This account was opened on XX/XX/XXXX which is over 9 years ; too old and too long to be reporting on my credit reports. Resurgent is a fraudulent credit reporting agency that reports consumers information for wa_yy too long, especially minorities, but I am definitely going to share this same information to their corporate office as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Paid the debt and company agreed to remove from Equifax but the account is still there

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I received a letter of communication regarding an alleged debt that was assumed I owed to XXXX XXXX. Resurgent Capital Services , L.P, also known as LVNV Funding LLC purchased a debt that was a part of a data breach lawsuit with XXXX XXXXXXXX. Resurgent Capital Services , L.P, also known as LVNV Funding LLC, has ignored many request of verification, also have not providing my detail documentation to collect in the state of Texas. Also, the statute of limitations on debt in Texas is four years. When section 392.007 of the Texas Finance Code law was put into law in 2019, the states ensured any payments on the debt or activity on my credit report does not restart the clock on the statute of limitations. Resurgent Capital Services , L.P, also known as LVNV Funding LLC keep adding this information to my credit file. Texas statute of limitations is 4 years. Also, section 15 U.S. Code 1681i ( a ) - procedure in case of disputed accuracy. Resurgent Capital Services , L.P, also known as LVNV Funding LLC refused to comply, and continued to report monthly on my credit files as LVNV Funding. Also, LVNV Funding LLC as a third party debt collector, also sent the file to XXXX XXXX XXXX to collect. I never inquired with Resurgent Capital Services, L.P, also known as LVNV Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> i filled out my ftc report ( see attached ) and sent to Transunion and letting them know that I am a victim of identity theft, and the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 

On XX/XX/year> i received what seemed to be auto generated online response from transunion not following FCRA 's laws regarding protecting victims of identity theft. 

" Each company that received your credit report will be listed in the inquiry section of your TransUnion personal credit report, along with their contact information. Please note, a company doesn't always need your authorization to receive your credit report as long as they have a permissible purpose. Please also note, some types of inquiries, such as promotional inquiries or account review inquiries are disclosed only to you. 
If you think an inquiry was made without a permissible purpose, we strongly encourage you to reach out to the company who received your credit report to find out whether they have opened an account in your name. The company can then investigate and, if they determine that someone fraudulently applied for credit in your name, they can close that account and contact TransUnion requesting removal of the inquiry. If you have specific information that the inquiry was made fraudulently, or does not relate to you, you can also call us at XXXX. 
We're here to help. Should you have any further questions please visit Credit Scores, Credit Reports & Credit Check | TransUnion. You may also call us at XXXX. Please have your file number ready XXXX. 
Please do not reply to this e-mail. This mailbox is not monitored and vou will not receive a response. ''

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 2024-05-18 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: OH

Complaint narrative:
The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX  XXXX ( original creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ), has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My identity was compromised, there are several accounts reporting on my credit that dont belong to me. I am asking for a removal of them items listed below from my credit. 

XXXX XXXX XXXX ACCT # XXXX {$1100.00} XXXX ACCT # XXXX {$17000.00} XXXX  XXXX ACCT # XXXX {$620.00} XXXX XXXX ACCT # XXXX {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: EQUIFAX, INC.
State: MN

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit acceptance closed or charged off the account shortly after the issues with the car were reported back in XXXX they only began reporting missed payments and the account as open again after the Covid money started going out in XXXX in an effort to extort their previous customers, have been reporting missed payments month after month to keep people from being able to rebuild their credit and life after they experience a financial hardship. The debt is not collectable as the statue of limitations for the contract have run up. The original terms of the loan were 48 months so they should only be able to report the missing 48 months and from there the account should have been closed on the credit reports and listed as charged off.

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 2024-05-18 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Dear Vystar CU, I am demanding the removal of this following charge-off account listed VYSTAR CU ACCOUNT # XXXX OPENED ON XX/XX/year>. Charge-offs are considered as an income according to the IRS. Income can not be reported on my consumer credit report. This considered as an inaccurate account, and this is defamation of character.

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 2024-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I applied for a mortgage loan with Rocket Mortgage on XX/XX/2024. I paid a deposit of {$500.00} on my credit card for future charges : XXXX appraisal. The {$500.00} charge was posted on my credit card on XX/XX/2024. 

After reviewing the excessive loan fees required to obtain the loan, {$5000.00} approx. and the current high-interest rate of 7.99 % I terminated the loan application. This was on XX/XX/2024. 
I terminated the loan in writing and with a phone call to my Rocket loan rep. 

Interestingly enough... After I requested termination the Rocket loan rep advised me he could suddenly reduce my interest rate down to 7.5 % and knock off {$1500.00} of the fees. Rather a bait and switch if you ask me. I terminated anyway ... .I dont approve of these types of lender games. 

I requested my {$500.00} deposit as a credit card refund. There was no appraisal etc ..no services were rendered. 

Rocket Mortgage says I owed them {$200.00} for credit report and credit monitoring services. 

As an additional point : I had also applied for the same loan at the same time with XXXX XXXX, prudently checking out my options. XXXX XXXX did not charge me any fees, nothing for my credit reports nor any other fees. 

Rocket Mortgage had informed me they were only going to issue a credit of {$300.00}, and then they only issued a credit of {$290.00}. I requested copies via email and via phone of the charges and the credit memo for these fees multiple times but have not received any responses. 

They are ripping consumers off... I canceled this loan in a timely fashion. I expect to be refunded my deposit as no services were rendered. As a realtor who has experience in the industry, I know for a fact that an agency can pull a credit report for free or the usual and customary fee charged is {$50.00}... not {$200.00}. 

Do not provide an upfront deposit for a loan, I understand paying for the appraisal fee once the appraisal is in progress ... From my experience, you won't get the deposit money back. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

Company response to consumer: Closed with explanation