vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Credit International Corporation
State: NY

Complaint narrative:
As owner of a closed XXXX, debt collection firm has posted debt collection action and assigned it to me personally though I didnt personally guarantee any contracts, agreements, or other financial obligations. I have legal representation and with their consent I state that the debt is not legally mine. My credit score has been damaged and I seek either outright cessation of action or if absolutely necessary a negotiated agreement.

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 2024-08-03 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
On XX/XX/24 I saw an offer to apply for an Avant card on XXXX It was advertised to say " check if you are are eligible ''. I clicked through the process and was then told I was approved for a card. This process was misleading and did not represent was advertised. I immediately received emails that the card was on its way. I called Avant and explained that I did not want the card and what had happened, and asked for it to be closed, and to have the account and hard credit inquiry removed from my credit report. I was not given much assurance anything could be done about this other than closing the card. I am putting the last XXXX digits of the card under the Card Number field as I do not have the full account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Moore Legal Group, LLC
State: NJ

Complaint narrative:
I was dealing with Meadowbrrok legal Group ( now called Moore Legal Group LLC-XXXX XXXX XXXX XXXX XX/XX/XXXX and they have settled 2 accounts for me and I have transferred more than enough money to Meadowbrook to paid off for both accounts since XXXX XX/XX/XXXX but they are not paying off to the Debt companies. Fund is with XXXX XXXX. 

I have send numerous emails since XXXX and they are always saying they need more time. When I asked XXXX XXXX they are saying they are the third party and they never received anything from Meadowbrrok legal Group ( now called Moore Legal Group LLCXXXX XXXX ) I am loosing the money as monthly fees from XXXX XXXX , they are charging me as a monthly fee for the transactions

Company response to consumer: Untimely response
Consumer complaint received 2024-08-03 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate 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 non-monetary relief
Consumer complaint received 2024-08-03 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate 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 2024-08-03 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: IN

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-08-03 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: NY

Complaint narrative:
NAME INCORRECT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS INCORRECT : XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NY, XXXX EMPLOYMENT INCORRECT : XXXX XXXX XXXX XXXX Dismantling HARD INQUIRES : Unauthorized Inquiry XXXX Date of Inquiry : XXXX XXXX, XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Unauthorized Inquiry. 
XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Unauthorized INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX Date of XXXX : XXXX XXXX Unauthorized Inquiry XXXX Date of Inquiry : XX/XX/XXXX DELETE ALL!! 

UNDER 15 USC 1666B THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECT BILLED ALL XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX XXXXXXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX  XXXX ACCOUNT XXXX THIS ACCOUNT NEEDS TO BE VALIDATED XXXX  ACCOUNT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: OH

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 non-monetary relief
Consumer complaint received 2024-08-03 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: FL

Complaint narrative:
I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. 

The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX  Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX  Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX  Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX XXXX XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: Incomm Holdings Inc.
State: FL

Complaint narrative:
XX/XX/year> Two Vanilla Gift cards purchased at XXXXXXXX XXXX XXXXXXXX in the amounts of {$100.00} and {$150.00}. 
Late XXXX : {$100.00} Gift Card mailed and recipient opened the packaging ( that did not appear to have been tampered with ) and discovered the card had the last digits scratched off and was unusable. Same story with the {$150.00} Gift Card. 
XX/XX/year> Contacted number on back of card to report fraud. I was given two case numbers : XXXX ( {$150.00} ) and XXXX ( {$100.00} ) and asked to submit photos of the cards and receipt. 
XX/XX/year> Submitted two emails, one for each case number, and included front and back photos of the gift cards as well as the receipt for proof of purchase. 
XX/XX/year> Called for update on case. Was told to wait 30 days and I would receive something in the mail regarding reimbursement for the {$100.00} gift card for obvious fraud ( received nothing ). 
XX/XX/year> Received an email requesting receipt with a case number ( XXXX ) that did not match either of my original case numbers. I was told it was a mistake and they did, indeed, have the required documents. Then told to call back the next day after a certain time, so the case could be escalated since we were just shy of their 30 day requirement. 
XX/XX/year> Spoke with rep this morning and get varying different stories and time frames. One case is escalated, one is in progress, must wait 45-90 days, speak to supervisor, retell the same stories and having to help them find the errors ( wrong case number ) and misinformation given. Add to that every interaction is usually an hour in length, cut off ( back in the queue again ) and response scripted and not addressing the issues. I feel that this company 's ( which I see has numerous complaints ) focus is to wear the customer down, so that they do not have to address the fraud issues on their cards. Since I seem to be getting nowhere, I am hoping that your intervention will help settle this issue and

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: IN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 non-monetary relief
Consumer complaint received 2024-08-03 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: IN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: MA

Complaint narrative:
Subject : Dispute of Fraudulent Debt - Coordination Request with XXXXXXXX XXXX XXXX XXXX  Dear Consumer Financial Protection Bureau, I am writing to formally dispute a fraudulent debt collection attempt by XXXX XXXX XXXXXXXX, related to XXXX fraudulent checks made via my XXXX XXXX  which was hacked in XX/XX/2023. The specific fraudulent check ID numbers are as follows : XXXX. XXXX XXXX. XXXX XXXX. XXXX These charges were unauthorized and resulted from the hacking of my XXXX account. Despite reporting the incident to XXXX and having them acknowledge the fraudulent activity, these charges have been forwarded to XXXX for collection, resulting in ongoing harassment. 

I request that Telecheck coordinate with XXXX to rectify this situation and cease all collection attempts related to these fraudulent charges immediately. The continued attempts by XXXX to collect this debt are causing XXXX XXXX XXXX XXXX 

I appreciate your prompt attention to this matter and look forward to a swift resolution to stop the harassment from XXXX and clear these fraudulent charges from my record. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On or about XX/XX/XXXX, Synchrony bank ( Sam 's club MasterCard ), from here forth refereed to by the name " bank '', should have delivered a monthly billing statement via the United States Postal Service. Per the bank, on my phone call on or about XX/XX/XXXX to the bank, the bank claimed to have sent the bill via the USPS and that the bank received the bill back to them is " unable to deliver. '' At this time I verified the my address with the bank and requested the balance, requested a duplicate billing statement to be sent, requested any late fee, penalties, and interest be waived, and electronically paid the bill in full on that day. The bank complied with all requests at that time except could not do anything with the interest at that time due to it not having been charged to the account, couldn't see it on the account, or some other goofy bank thing. I informed them at that time, if I saw interest charged in association with the banks failure to legally deliver the billing statement ( through USPS ) I would not pay it and I would be calling back in for them to waive it. Upon receiving the next USPS correspondence from the bank, there was a {$4.00} interest charge on the document. I phoned customer service on or about XX/XX/XXXX and requested they remove that interest charge being this was associated with their value to provide legal notification of billing. They declined to waive the interest charge. I informed them at that time due to their non-compliance with ethical business practices I would like them to close my account. The bank representative claimed to have processed that request. On XX/XX/XXXX I paid the {$4.00} in interest.

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 2024-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
{$1600.00} sent through bill pay ( electronic pmt ) with Chase on XX/XX/XXXX I was notified on XX/XX/XXXX that the mtg pmt had not been received. 
I have been working with Chase since XX/XX/XXXX by telephone having filed a claim for the funds. Chase recently closed the claim advising the funds were sent to the correct party. Mtg pmt has never been received. Chase closed the claim without offering me a temporary credit. 
I have since had Chase ReOpen and escalate the claim as the funds have never posted at ANY institution and Chase can only show the payment as being processed not cleared. 
As of this morning Chase says it will be an additional 5 business days to look into this without any kind of temporary credit to my account. 
I have spoken to at least 25 employees, posted a minimum of 10 documents to my Chase claim to substantuate my claim, have initiated conference calls between my mtg company, Chase and myself with NO resolve to date. 
I feel unprotected by Chase and their actions have left me helpless with my Mortgage pmt now 33 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX of XXXX, I was alerted via XXXX XXXX XXXX XXXX alerts that a fraudulent credit card application was made in my name. I have XXXX legitimate cards with Capital One but there was an attempt to open a Cabelas card which is serviced by Capital One. I immediately reported the fraud and was assured credit reporting would be corrected to remove the hard inquiry. I waited the XXXX months and called back in XX/XX/XXXX to inform the credit report had not been updated. I was told to wait a little longer. I called on XX/XX/XXXX and was told Capital One already reported the hard inquiry as fraudulent and I needed to write a handwritten letter to explain the issue. I will not start from scratch with a company who is unwilling to acknowledge that they did not update my credit reporting as promised. It is not my job to dispute the negative reporting. I did my part by notifying this company immediately. Banks have a duty to investigate a Fair Credit reporting violation when alerted by a client multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have an Apple Card which I mainly got because it has a virtual card feature which I love for cases where I have to enter a credit card for online purchases. It provides additional security and allows me to not worry in case a merchant gets hacked or the virtual card number is acquired. I simply have to change the virtual card number. 

I recently learned of the Automatic Billing Updater through a XXXX XXXX XXXX article - XXXX XXXX XXXXXXXX? XXXX XXXX XXXX. Even with virtual cards, apple still updates credit card number in areas where the card has been used. 

This is a problem if you are trying to prevent your card from being used in a fraudulent manner. I reached out to goldman sachs - the underlying banl for apple card- and they said they do not support opting out of the ABU. Shouldnt issuers support this by default? Other banks support this feature. 

So my complaint is that GS/Apple Card do not give customers any way to opt out of XXXX and to protect themselves from fraudulent situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: LEXISNEXIS
State: IA

Complaint narrative:
LexisNexis Risk Solutions Consumer Center XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. 
The entry with Reference # XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: NY

Complaint narrative:
NAME INCORRECT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS INCORRECT : XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NY, XXXX EMPLOYMENT INCORRECT : XXXX XXXX XXXX XXXX Dismantling HARD INQUIRES : Unauthorized Inquiry XXXX  Date of Inquiry : XXXX XXXX, XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Unauthorized Inquiry. 
XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Unauthorized INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX Date of XXXX : XXXX XXXX Unauthorized Inquiry XXXX Date of Inquiry : XX/XX/XXXX DELETE ALL!! 

UNDER 15 USC 1666B THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECT BILLED ALL XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX THIS ACCOUNT NEEDS TO BE VALIDATED XXXX ACCOUNT XXXX

Company response to consumer: Closed with non-monetary relief