vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX sent me a credit card via US Mail, in which I did not authorize or activate. When I called them to close this account, they closed the account and reported it to all 3 credit bureaus dropping my score in the low XXXX 's from over XXXX. I worked with XXXX XXXX to correct this issue however they have refused to fix the issue. 

I DID NOT authorize the opening of this account, therefore the entry on my credit report is fraudulent.

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 2024-04-28 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Greetings, I am attempting to file a complaint regarding LVNV Funding LLC and XXXX XXXX. I was recently served due to this matter which violates the FCRA XXXX XXXX XXXX XXXX. I recently pulled my credit report and noticed several inaccuracies with this account. First, the balance owed is misreported with XXXX and XXXX. Secondly, the reported date and closing date reflect inaccuracies violating the Fair Credit Reporting Act. Could you please look into this matter? I have been a valued consumer with XXXX XXXX since XX/XX/2015 and I am disappointed the creditor is now trying to sue me. I am receiving XXXX and this matter has caused a strain in my life. I have never done business with LVNV Funding LLC and I am concerned they now have my Personal information and are harassing me for a debt that I do not have with them. I have attached a screenshot of the report with each bureau. I greatly appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is making this credit report a fraud, this was resolved in another credit report company. Transunion never did a check on this complaint. I have a copy of them saying just not the date and no date to resolve. But they do want my money to join them to protect me. That is fraud and making me XXXX on their 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 2024-04-28 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account this account is hurting my ability to obtain credit Its my understanding that the credit bureau will investigate this account for me to ensure accuracy here is the account Im asking you to verify as accurate Account name : XXXX XXXX XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX Account number # 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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express reported that I am over my limit. My attachments below show that not only am I not currently over my limit, but I have not been over my limit in this reporting period ( or ever ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of Inquiry XX/XX/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
Consumer complaint received 2024-04-28 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX NA Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX NA Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX A Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Repeated calls before XXXX or after XXXX. 

AFTER asking the company not to contact me until the debt has been verified. 

I have not received verification of the debt, but receive 1-2 calls per day still.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: WALLICK AND VOLK, INC
State: WY

Complaint narrative:
XX/XX/2023 I contacted Wallick & Volk to apply for a mortgage on a property XXXX XXXX XXXX XXXX, Wy XXXX. 
This property was owned by an XXXX  that I was a XXXX in. When I applied for the loan they insisted that I could just simply refinance onto the property from the XXXX straight to my name. My understanding was this wasn't possible, yet they insisted that my information was wrong and this was the " only option '' I had under these circumstances. 
I had already committed to paying for an appraisal and was not in a position to start again with another lender. We had fine communication and I we worked through the process as my other lending was coming due. The problem arose the week I was told we would be closing. I had been emailed a settlement statement so I assumed everything was ready for closing. This was late XX/XX/ 2023. We were 50 plus days into the process I'd payed for an appraisal and from all the communications from Wallick & Volk we were on track to close. I was even asked what day I preferred the closing to be. The Monday before closing I was contacted by my loan officer and told that this couldn't be done as a refinance and that we had to do it as a purchase. Basically starting over to the very point that I said we would have to from the very beginning. My time was almost to the end and they knew this so within a week by some miracle they had a " purchase '' agreement with higher interest ARM, I was made to pay for another appraisal, and 3 times the closing cost. since my time was almost up they even refused to negotiate the closing cost which came to {$14000.00} on a {$210000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-04-28 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-04-28 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: FL

Complaint narrative:
I recently checked a copy of my credit report nad notice that there were fraudulent accounts on my report. Please remove this fraudelents account from my credit report as they are affecting my ability to obtain credit. thanks

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 2024-04-28 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:
I recently checked a copy of my credit report nad notice that there were fraudulent accounts on my report. Please remove this fraudelents account from my credit report as they are affecting my ability to obtain credit. thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: CO

Complaint narrative:
XXXX XXXX XXXX  XXXX is still reporting incomplete and inaccurate information after completed reinvestigation. 

DATE of last activity -- -INCOMPLETE/MISSING DATE of XXXX Delinquency INACCURATE can not be 12 months after DATE of last payment LAST PAYMENT AMOUNT -- -INCOMPLETE/MISSING DATE CLOSED -- -INComplete/MISSING PAYMENT HISTORY -- INCMPLETE/MISSING for the months listed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX STOP reporting with the FCRA violations. 
FIX THE INCOMPLETE/MISSING AND INACCURATE INFO ON MY REPORT. 
REPORT COMPLETE INFO OR DELETE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I NEVER GAVE ANY OF THE CREDIT BUREAUS VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT. A COPY OF THE LAW IS ATTACHED WITH THIS DISPUTE. I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT FILE AND YOU HAVE NO PERMISSIBLE PURPOSE BY LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. $ XXXX. YOU HAVE KNOWINGLY TRANSFERRED, POSSESSED, OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME, WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISONMENT, IN ADDITION TO CIVIL LIABILITY.

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 2024-04-28 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they're hurting my ability to obtain credit.

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 2024-04-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Looking over my documents I notice that I do not have a copy of the contract that I have with Experian or the debt collections that is on credit profile. Under the FCRA it is the Responsibility of Experian to ensure that they proper documentation from me stating that I gave the some form of permission or to show proof of some contract to report these accounts on my credit profile.. May they provide copy of the written documents or some form of agreement to where I gave them permission to report these account on my credit profile. XXXX XXXX XXXX account number XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX,

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 2024-04-28 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: CA

Complaint narrative:
Tried to make a {$500.00} purchase ( full value of XXXX XXXXXXXX XXXX XXXX ) at XXXX XXXX on XX/XX/24 and was declined several times. Called InComm in store and they said to try at a different retailier and hung up on me. I've tried making purchases at XXXX online, XXXX online, and XXXX XXXXXXXX on XX/XX/24 and all transactions were declined and the card was put on hold. I called InComm 's customer support on XX/XX/24 and they could not release the hold to use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: NC

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I so not saying they are reporting right or wrong, I am just saying that I am not 100 percent sure if they are I also read something called the Fair Credit Reporting Act where it said by law. I had the right to challenge! anything i am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.The open date on this account is wrong the amount of high balance is wrong their is a number of things thats wrong on this account Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove then if anything is missing or not correct on them. 
I demand the following accounts be verified or removed immediately. 


Name of Account Account Number XXXX XXXX Account # XXXX XXXX Cancel contract. Please provide the original contract or delete XXXX also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file an well. Please send the investigation outcome to my address i put on the form. 
Thank you for your time and help in this matter.

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 2024-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
The Service Members Civil Relief Act requires lenders to reduce interest on all debts acquired to 6 % max. My lending company is not calculating my payment correctly and deferred my interest pay instead of forgiving it, which is against the law. I have already called them and they refused to adjust my account. 
https : //www.justice.gov/opa/pr/justice-department-and-consumer-financial-protection-bureau-underscore-legal-obligations-auto

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 2024-04-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-28 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: TX

Complaint narrative:
I subscribed to XXXX XXXX for a dedicated virtual machine ( server ) to house my XXXX  application, which is accessed by XXXX XXXX and by XXXX XXXX. 

XXXX has overcharged me for 3 years for services I did not use but their " support '' installed redundantly, did not lower the fee, nor refund for charges billed for unused services that they fraudulently created. All while their support crashed my server which could not be used by me or my XXXX XXXX XXXX continues to charge me after I terminated my subscription. 

I have disputed numerous charges. Citi always rules in vendor favor, in spite of my calling explaining the problem and sending documentation. 

After many attempts, I finally figured out the racket. " My '' bank has no incentive to support my claim; on the other hand, they have motive for rejecting my request. All recourse and argument is structured in favor of the vendor : -If Citi/VISA upholds the charge, Citi and VISA make money on the transaction -If Citi/VISA reverses the charge , Neither Citi nor VISA make money ; and, in fact, lose money.

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 2024-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
Southwest Credit Addressed to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX as of XX/XX/year> has been trying to collect on a debt is not mine and additional a debt that has been sold/transferred to them. Since XXXX XXXX XXXX XXXX XXXX XXXX Addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX has been attempting to collect them same debt that is not mine. Remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was told by Kohls representative in XXXX that I was told I could skip XXXX payment due yo loss of employment and it would not effect my store and pick up next payment in XXXX. The rep didnt update the account properly and my credit score dopped do to late payment. I was told the error would be fixed when I called XX/XX/2024 but nothing has happened.

Company response to consumer: Closed with explanation