vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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:
This is a simple complaint against the XXXX XXXX XXXX. I have spoken with them both personally and on a conference call with a third party. Every time I spoke with them, they claim I don't have any XXXX  loans. The last time I spoke with them on the conference call, a XXXX from the XXXX XXXX XXXX stated that she can't find a single XXXX  loan with my name, address, or my social security number. When I then try to dispute the XXXX  loans with the credit bureaus, the results come back as verified. I even sent them certified mail back in XXXX of 2023 so they could remove these from my credit report and they claimed the account was verified! 

How can they be verified if the XXXX XXXX XXXX claims I don't have any accounts or that I am not found on any XXXX  loans? It's been months of trying to correct this only to not receive any help in doing so from either the XXXX XXXX XXXX or the credit bureaus.

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 2024-02-27 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:
This is a simple complaint against the XXXX XXXX XXXX. I have spoken with them both personally and on a conference call with a third party. Every time I spoke with them, they claim I don't have any XXXX  loans. The last time I spoke with them on the conference call, a XXXX from the XXXX XXXX XXXX stated that she can't find a single XXXX  loan with my name, address, or my social security number. When I then try to dispute the XXXX  loans with the credit bureaus, the results come back as verified. I even sent them certified mail back in XXXX of 2023 so they could remove these from my credit report and they claimed the account was verified! 

How can they be verified if the XXXX XXXX XXXX claims I don't have any accounts or that I am not found on any XXXX  loans? It's been months of trying to correct this only to not receive any help in doing so from either the XXXX XXXX XXXX or the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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:
This is a simple complaint against the XXXX XXXX XXXX. I have spoken with them both personally and on a conference call with a third party. Every time I spoke with them, they claim I don't have any XXXX  loans. The last time I spoke with them on the conference call, a XXXX from the XXXX XXXX XXXX stated that she can't find a single XXXX  loan with my name, address, or my social security number. When I then try to dispute the XXXX  loans with the credit bureaus, the results come back as verified. I even sent them certified mail back in XXXX of 2023 so they could remove these from my credit report and they claimed the account was verified! 

How can they be verified if the XXXX XXXX XXXX claims I don't have any accounts or that I am not found on any XXXX  loans? It's been months of trying to correct this only to not receive any help in doing so from either the XXXX XXXX XXXX  or the credit bureaus.

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 2024-02-27 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: CA

Complaint narrative:
I submitted a complaint just a moment ago on a different matter against the credit bureaus, but I would like to submit a second complaint as I forgot to add this information on my previous complaint. 

I filed bankruptcy on XX/XX/2019. The bankruptcy is a legitimate public record and my debt at the time was discharged through bankruptcy. I am not fighting that I have a bankruptcy on my report. What I am disputing is charge-offs I have prior to me filing bankruptcy still showing as active charge-offs. When I submitted my disputes to the credit bureaus back in XXXX, I also asked the bureaus to correct my account information so the accounts which should be included in bankruptcy are reporting as included in bankruptcy. To this day, some of the accounts still do not show included in bankruptcy such as XXXX XXXX on Trans Union. 

I would also like to complain against XXXX as they are not allowing me to view my credit report. I know my user name and password to their online website, but it does not let me view my current report. I then try the option to remember the username and password, and XXXX gives it to me, but then when I input what they just provided me, it pretends like I don't have an account with the information they just provided me with. How am I supposed to verify that my credit report is accurate if XXXX themselves won't let me view my report with the account I established through 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I am formally writing this complaint because I noticed a debt collection company by the name of I.C. SYSTEM INC. who parked a debt on my credit report. I don't know where this alleged debt came from, I was not given any information regarding this alleged debt, I was not given the opportunity to dispute this alleged debt, and I am aware that this company is not licensed to collect in the state of Tennessee. This company is damaging my reputation and breaching my privacy. The reporting of this account also reflects as inaccurate and misleading. There are multiple instances of collection notations shown as " C '' for " collections '' reported repeatedly every month. The FCRA stresses the importance of " Fairness and Accuracy '' of credit reporting. I have reason to believe this company is utilizing deceptive and abusive behavior against me. Not only are these violations of the Fair Debt Collection Practices Act but are also violations of the Fair Credit Reporting Act. This debt collection company has no permissible purpose placing anything on my credit reports without following the Debt Collection Rule under the FDCPA first. There was no attempt to communicate from this debt collection company.

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 2024-02-27 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: PA

Complaint narrative:
I think FCRA 605B says wrong accounts should be taken off credit reports. Please check the documents. Some accounts are wrong on my report, making me upset and sick.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IN

Complaint narrative:
Received notification that an account was reported to my credit bureau and was marking me late on a collection. The account was from 2007 with XXXX. This account was taken care of years ago. When I called JEFFERSON CAPITAL SYST and told them I wanted verification of debt to give to an attorney that I was hiring to go after their scam, they refused to provide me with anything. They said they would only talk to my attorney and not send me anything. 
This debt is impacting my credit and is not even one that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: MN

Complaint narrative:
I recently discovered that US Bank has been reducing my rewards on my XXXX XXXX XXXX XXXX XXXX Card ending in XXXX without out notice of any kind that they were reducing my rewards. In 2023 they reduced by rewards from XXXX to XXXX. The statements have no information on the reduction or warning of further reductions. This likely amounts to XXXX  of dollars for customers.

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 2024-02-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I bought American express e gift card. I tried to use it for online purchase with very low amount compare to the gift card. It kept getting declined by online store. It is a e gift card which I have no physical card. The card has XXXX balance, but I can't even use it to pay XXXX XXXX one time fee for my phone service. 

I called them they have no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
I had an account with XXXX XXXX and my account Was paid in full and I do not have XXXX anymore because they have made me pay for services over 2 years and all was paid up and now I have an account with XXXX XXXX  and if my account was not paid up I wouldnt have NOT been able to get an account with XXXX XXXX!! 
SO THIS BILL IS DEFINITELY A MISTAKE AND I DO NOT OWE ANYONE SUCH A BILL!!! 
I can call XXXX. And have them email a statement that I do not owe such a bill and that my account was PAID IN FULL! 

If this Jefferson Capital continues to harasse me I will definitely report this to the XXXX AND HAVE MY LAWYER CONTACT THEM ALSO!!!! 
VERY TRULY YOURS MS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: CA

Complaint narrative:
Information which has not yet been verified to be 100 % accurate as required by the FCRA is continuing to be reported on my credit report. I have tried numerous times to get this off my report and always am ignored.

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 2024-02-27 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy Federal DATE OPENED XXXXXXXX XXXX XXXX  BALANCE {$0.00} ACCOUNT TYPE Credit Card CREDIT LIMIT {$200.00} HIGHEST BALANCE {$140.00} RESPONSIBILITY Individual ACCOUNT DISPUTED Did not open account dispute ID theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: IA

Complaint narrative:
I recently reviewed a copy of my transition, XXXX and XXXX credit report, and it showed in accurate unauthorized inquiries from the companies list below, that I did not authorize they do not belong to me,, I understand that under the fcra section 604 a can not put a hard inquiry on my credit report authorization without my written authorization or consent I wrote changing XXXX and XXXX Tran union and requested for them to remove These in accurate XXXX inquiries more than 30 days ago and have not received any response or relief. HARD FROM XXXX XXXX, XXXX XXXX XXXX  XXXX, Unauthorized inquiries from experience, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hard on authorize increase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am writing this complaint because there is a debt collection company by the name of LVNV FUNDING LLC who is reporting an alleged debt without a license to collect in the state of Tennessee. I reside in the state of Tennessee and the require collection companies to have an actual Tennessee business license to collect. This company is also reporting misleading information on my consumer report regarding the alleged debt in question. They are reporting multiple notations of " C '' for Collection every single month. This is misleading and it breaches the law per the FCRA pertaining accuracy and fairness of credit reporting. This is a furnishing error per 15 USC 1681s-2. This company also implicates that communicate could be from an attorney as reported on my XXXX consumer disclosure report. That is also a violation per 15 USC 1692e ( 3 ). This company is ruining my reputation per 15 USC 1692d ( 1 ) because they are using abusive and deceptive means to collect the alleged debt. A violation per 15 USC 1692e ( 10 ). LVNV FUNDING LLC also utilizes a server company called RESURGENT. The use of research is misleading and perceived to be another deceptive way for LVNV FUNDING LLC 's attempt to collect. The FDCPA per Debt Collection Rule requires debt collectors to collect using their true name per 15 USC 1692e ( 14 ). This is a breach of my privacy per the Privacy Act of 1974 5 USC 552a. RESURGENT who is partnered with LVNV FUNDING LLC also uses a cartoon animated logo which is prohibited per FDCPA 15 USC 1692f ( 8 ) when they attempted to collect on behalf of LVNV FUNDING LLC. RESURGENT is also a collection company who is not licensed to collect in the state of Tennessee. These behaviors are illegal and are grounds for legal action per 15 USC 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This Company reporting a debt thats been charged off by a third party. The information is inaccurate on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me.With the debt being charged off I never received a 1099c debt cancellation form from the IRS. Not to mention this Company have violated my rights under Code U.S.1681s-2 ( a ) ( i ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: CA

Complaint narrative:
Information which has not yet been verified to be 100 % accurate as required by the FCRA is continuing to be reported on my credit report. I have tried numerous times to get this off my report and always am ignored.

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 2024-02-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I ordered lights with a XXXX XXXX XXXX from XXXX. 
I never received the product I ordered. 
I did receive a product I did not order and offered to ship it back at their expense. 
XXXX said they would ship the product I ordered again, after I contacted them. 
I never received what I ordered. 
I then filed a dispute with the merchant. 
They said they would ship the product if I closed the dispute. 
I closed the dispute and never received the product. 
I sent the dispute to my credit card company. 
The credit card company contacted the merchant and the merchant refused to refund.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Information which has not yet been verified to be 100 % accurate as required by the FCRA is continuing to be reported on my credit report. I have tried numerous times to get this off my report and always am ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I usually do my monthly payment on TD Auto Finance website. On the XXXX XXXX XXXX XXXX, I made payment through TD Auto Finance website. The payment made on the XXXX XXXX  XXXX was meant for XXXX bill. However, TD Auto Finance denied they receive the payment. After consulting with TD Auto Finance, I was instructed to go to my bank ( Toronto Dominio Bank, aka TD Bank ). So, I went to my bank to get a printed copy of my bank statement which shows that payment was made and confirmed by Toronto Dominion Bank ( TD Bank ). I was also instructed to send copy of the bank statement to email address provided to me by employee of TD Auto Finance. And I sent the email on XX/XX/XXXX. But the XXXX is still reading as unpaid, and I believe it would have been reported on my credit report. 

I have reached out to TD Auto Finance at least 3 times to resolve this issue ; each time, the representatives insisted the money has not been paid. At this point, I don't what else to do. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TekCollect Inc.
State: FL

Complaint narrative:
YEARS ago, I ordered from XXXX XXXX XXXX, in early XX/XX/year> to get the blinds for my home for the XXXX. Holidays. I paid Half down for very expensive blinds. Weeks went by and by early XXXX I was emailing and calling- where are my blinds? NO ONE answered me, despite repeated contact on my end. I really thought they went out of business. FINALLY in XXXX of the next year, they wanted to deliver my blinds. No one could come until XXXX. My home was missing blinds for MONTHS. They finally came and 1/3 blinds was WRONG. The installer suggested he hang the blind so I had some privacy ( being a XXXX XXXX it was Horrible for MONTHS ), and he reported the blind as wrong. Then the company started calling me asking for the balance, and I said - The 3rd Blind is WRONG and it needs to be replaced. They offered a small discount and insisted on getting the rest of their money. I was disgusted on the treatment I got, the lack of service, and NO contact on their end for MONTHS. I said forgive the Bill and I will NOT Report their lousy service to XXXX XXXX  and XXXX. So it was decided. Then TWO Years later, this was sent to collections. This is an OLD BILL for HORRIBLE Service, and a WRONG Blind never replaced, and FIVE Months of NO SERVICE. There is NO PAYMENT DUE to this XXXX XXXX XXXX XXXX. THIS BAD DEBT was FORGIVEN YEARS AGO - due to such Lousy Service! XXXX XXXX XXXX

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 2024-02-27 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: NJ

Complaint narrative:
In the course of reviewing my credit report, I spotted erroneous and fraudulent accounts that need reporting and correction through your company.

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 2024-02-27 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: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 non-monetary relief