vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not grant authorization or initiate these accounts, and it is unjust for me to bear responsibility for them. I implore you to promptly rectify this error.

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 2024-03-11 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: Kriya Capital, LLC
State: FL

Complaint narrative:
I requested for validation of debt and your company sent me a list of statement and a fraud packet. THAT IS NOT VALIDATING THE ALLEGED DEBT. YOUR COMPANY HAS VIOLATED THE FDCPA BY FURNISHING DEEPTIVE FORMS AND COMPILING INFORMATION TO MAKE IT AS IF IT IS A BILL. YOUR COMPANY IS ALSO BIOLATING THE FCRA YOU ARE TEPORTING THIS ACCOUNT ON MY CREDIT INACCURATE AND INCOMPLETE YOU ARE A THIRD PARTY DEBT COLLECTOR WHO IS REPORTING THE ACCOUNT ON MY REPORT. HOW CAN A COLLECTION BE LATE? YOUR COMPANY IS CAUSING DAMAGE TO MY REPUTATION EMOTIONAL DISTRESS XXXX AND DEFAMATION TO MY CHARACTER. NOW I AM SIMPLY DEMANDING THAY YOU REMOVE THIS ACCOUNT FROM MY REPORT OR I AM TAKING MY CLAIMS UP WITH AN ATTORNEY TO FILE A LIGITATION AGAINST YOUR UNFAIR DEBT COLLECTION PRACTICES AND SEEK CIVIL LIABILITY AN ACTUAL DAMAGES OF {$1000.00} PER VIOLATION. PLEASE DELETE THIS ACCOUNT FROM ALL 3 OF MY CONSUMER REPORTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX {$390.00} XX/XX/2023, I ordered a bedframe, which was returned on XX/XX/2023, via XXXX and I was never refunded, the merchant received it and signed for it. XXXX has been aware for a while and constantly states I would be refunded but have yet to receive it. I have tried reaching out to discover via mail to no prevail and even calling but every time I call it states my call cant be serviced. But they can respond when I ask them to waive a late fee on my account. XXXX picked up the package and I even have them on video taking the package. Tracking number is XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX {$520.00} on XX/XX/2023 I was only refunded {$20.00} on XX/XX/2023, XXXX on XX/XX/2023, only a total of {$100.00} has been refunded so far. 

I am unable to reach Discover, which I find to be an issue especially if I can not call and confirm if they received my mail too. 

{$420.00} I have been trying to dispute with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this compliant on the following dates XX/XX/XXXX and XX/XX/XXXX. I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.

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 2024-03-11 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 recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX  XXXX ( Account # ) : XXXX, XXXX  XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX  XXXX XXXX account XXXX XXXX XXXX, XXXX XXXX  account XXXX XXXX XXXX, XXXX XXXX account number XXXX XXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud ( 1099 OID ). By Law companies are supposed to send me the consumer a copy of the 1099A & 1099C from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.

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 2024-03-11 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: KY

Complaint narrative:
I noticed these on my report XX/XX/2024 I do not recognize these.

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 2024-03-12 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: PA

Complaint narrative:
Compliance with FCRA 605B dictates the eradication of inaccurate accounts from my credit report. Could you kindly inspect the documents? The presence of inaccuracies in some listed accounts is unsettling for me.

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
The following account is not my account and I have no knowledge of this account or the primary company they say to be collecting on behalf of. I have called and tried to verify the debt by phone and mail and have gone more than 30 days without a response. Please have Jefferson Capital System XXXX removed and permanently deleted as I have no knowledge or responsibility for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I signed up for a macys card on XX/XX/22 and was told that I would receive 25 % off ALL PURCHASES made that weekend. I used the card several times over the weekend and each time I was told the same thing by each associate I asked ( before making the purchase ). I was told by every one of them that the 25 % would come off my balance when my first bill arrived. There was never a mention of a limit- several associates over several departments in several stores. I then received my bill without the discount on a major part of the purchases. On XX/XX/22 I called customer service and spoke with XXXX who told me the discount was only up to {$100.00}. When I told her that EVERY associate I spoke with told me that the 25 % would be for ALL purchases she apologized for the 'misinformation ' but there was nothing she can do. This is fraud- promising one thing and then not honoring it a few weeks later. Had the 25 % been deducted at the time of purchase this issue would never have come up because I would not have made the purchases. This is a sneaky bait and switch. I returned the purchases that I had not already given away before receiving the bill calculated the amount I owe after the 25 % is deducted, including the misc taxes for the different states. This amount comes to {$840.00} and that is what I paid. I contacted macys via their online portal several times as well as talked to representative several times with no result. I am now being contacted by a collections agency.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: IL

Complaint narrative:
I rented from an apartment complex in XXXX of XXXX, called XXXX  at XXXX. I was told that I would be given a ten day notice because someone said that I had someone living in my apartment that wasnt on the lease. In XXXX of XXXX, I was given that noticed and I asked the Assistant property manager XXXX what I needed to pay as far as the remaining rent goes. She said, I dont know and I wouldnt pay if I were you. I left the apartment in the middle of XXXX. In XXXX I received a bill from IQ Data International that represents XXXX  at XXXX. The bill that they provided me with was incorrect because the rest should have been prorated because I left in the middle of the month and they also put XXXX on my account which I paid for separately. When I called the representative from IQ Data International, she was extremely rude when I asked her why the amount was off. She told me I have to pay it. Ive tried contacting on other occasions to see if I can get a settlement and they were not willing. The last time I called the lady assumed my tax return and said I should be able to pay her. Ive paid them in total {$200.00} and no where on my credit report has that been reflected. What happened to that money? They keep incurring interest on my account which is even more than the rent I paid them. I have disputed this company many times and no one is helping me. I even hired a company to assist and paid them almost {$400.00} which was a scam. I need assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
We have a {$3000.00} credit balance that the company won't apply. So, I called Cross Country Mortgage to correct the problem. However, THE IDIOTS AT CROSS COUNTRY ONLY PUT ME IN AN ENDLESS LOOP OF COMPUTER ANSWERS. NO MATTER WHAT I CHOOSE, THEIR SYSTEM JUST KEEPS RUNNING ME BACK THROUGH THE SAME VOICE RESPONSES. THEY DO NOT PROVIDE ANY MEANS WHATSOEVER TO SPEAK TO A LIVE PERSON ABOUT A PROBLEM THAT ISN'T ON THEIR MENU!!!!!!!!! 

THEY ARE HOLDING OUR MONEY AND WON'T RESPOND TO ANYTHING THAT'S NOT ON THEIR COMPUTER VOICE MENU!!!! 

IN OTHERWORDS THERE IS ABSOLUTELY NO CUSTOMER SERVICE WHATSOEVER!!!!!!!!!!!!!!!!!!!! 

THEY SHOULD HAVE THEIR LICENSED REVOKED!!!!!!!! 

CAN I FORCE THEM TO SELL MY MORTGAGE?!!!!!!!!!!!!!!!!!!!!!!! 

I HATE THEM!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
This matter was conducted by the company without my consent, and I am not informed about it.

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 2024-03-12 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: OH

Complaint narrative:
XXXXXXXX XXXX said I had a XXXX credit score. I have a credit monitor account and it had my numbers much higher plus XXXX say I owe on an insurance account which I changed. Please advise because this is causing me much trouble.

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 2024-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WESTERN ALLIANCE BANCORPORATION
State: HI

Complaint narrative:
W Alliance Bank escrowed my property tax payments and was responsible for paying the property taxes on my property at XXXX XXXX XXXX, XXXX HI XXXX. 

On XX/XX/2023, I received two delinquent property tax bills from the County of XXXX, with penalties and interest assessed. I immediately paid the bills, plus penalty and interest totaling {$300.00}, to the County of XXXX via check. The same day I called and messaged W Alliance, requesting reimbursement for the fees assessed due to their failure to pay the property tax. I scanned and submitted the real property tax bills and payment receipts to them online as requested.

It has been over four months, and despite multiple calls to W Alliance, they have not reimbursed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I explained thoroughly to the company that they are still showing late payments on a car they already have which is factually inaccurate. the company global lending is also showing that this is an installment loan on my account which is also false. the vehicle is no longer in my possession so i have the right to an accurate profile. gap has paid this financial company so the balance is also incorrect. everything about the report is not accurate. i have the right to an accurate credit profile and this company is making it hard for me to obtain new credit. This company is NOT Authorized to report anything i haven't giving written and expressed consent and must remove this account as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
Stolen funds from Vanilla Visa Gift card Please see attached pdf for a complete explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I've consistently made sure payments on this account are timely, preventing any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: NC

Complaint narrative:
I have recently reviewed my credit report and observed inaccuracies and discrepancies in the personal information reporting. 

Reporting in XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX Reporting XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Reporting TRANSUNION XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC 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 2024-03-11 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: NC

Complaint narrative:
I have recently reviewed my credit report and observed inaccuracies and discrepancies in the personal information reporting. 

Reporting in XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXXXXXX XXXX Reporting EXPERIAN : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Reporting XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC 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 2024-03-11 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: OR

Complaint narrative:
I have already sent this company a dispute letter and requested the proof of the inaccurate fraudulent late payment they are reporting on my consumer report. I have never been late on this account. Recently I observed a late payment on my consumer report from XXXX of XXXX. My account has been closed with this company since XXXX of XXXX. As federal law states in XXXX USC 1681A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. If you can not supply proof of this federally regulated act I demand you remove this late payment and or the entire account off my consumer report. It shows in Experian. If immediate action is not taken I will pursue legal action

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 2024-03-11 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: KY

Complaint narrative:
I noticed these on my report XX/XX/2024 I do not recognize these.

Company response to consumer: Closed with explanation