vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  Balance I have reported this accounts above as not being mine and that I am a victim of ID Theft. These accounts are hurting my ability to get credit. Please send me proof where you have VERIFIED AS ACCURATE that these are my accounts.

I have supplied a police report that states I am a victim of ID Theft.

15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

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 2024-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I provided them my personal email on XX/XX/30 then on XXXX they contacted me again and verified my PERSONAL email again as they had it incorrect. I had also been in contact with them by phone as well. Then on XXXX at XXXX they emailed my job. I have NEVER given them my work email nor authorized them to use any other email but my personal for correspondence. According to the info below this is illegal and a PRIME EXAMPLE OF UNFAIR PRACTICES see below Examples of unfair practices Here are a few examples of what the FDCPA would consider a prohibited practice used to collect on a debt. Debt collectors are not allowed to : Communicate with you by sending an email that the debt collector knows is provided to you by your employer The email address they sent it to was XXXX Now you can not tell me you did not know that was my work email address when they have my personal email as XXXX please help me with this misconduct. Thank you for your time. XXXX XXXX

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

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit dossier. Can you verify the paperwork? Several of the mentioned accounts contain inaccuracies concerning reporting, amounts, and dates.

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 2024-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Collection agency has not provided validation information uner 12 CFR 10006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and decptive means.

Collection agency has no authority to furnish my account to a consumer reporting agency without my providing and and all disclosuresrequired by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-52 ( 7 ) ( A ) I am disputing owing any and all debts to them. I revoke all rights of all claimants communicating with me through email, texts and calls.

I am requesting debt validation. I am also requesting the purchase agreement between the debt collector and the original creditor.

I am also requesting that the debt collectors are licesned and bonded

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: CL Holdings LLC
State: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
Lake Michigan credit union I send in the Remittance coupon with hearings back or a lett

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 2024-04-04 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: IL

Complaint narrative:
I feel that Experian might be behind my wrongful denial of credit cards applications which I lose valuable credit score points upon applying. Experian is wrongfully calculating the use of credit cards but does not realize that the accounts are closed after the promotional period has ended : " Our evaluation of the inquiries on your credit report based on the number, type and recency. ( Experian ) Your average utilization of credit card accounts is currently too high ( Experian ) '' I disagree with the utilization of credit card accounts is too high because I have successfully closed out most accounts that are open or should be closed automatically. I utilized chase credit cards for promotions thus when the promotion is satisfied that I close out the account. Experian is not factoring in my ability to close out my account with a XXXX balance thus Experian is wrongfully flagging my account as if I am utilizing too many credit cards. This is untrue and should be recognized that consumers do not have to have long-term credit cards and should be able to close out credit cards upon promotional periods. I should not be obligated to use credit cards if they allow a promotional period thus the entrapment is only per promotional credit cards and not general credit cards. Experian would confuse credit card utilization as if promotional periods are not part of their understanding of utilizing credit cards where a consumer would likely close out a credit card upon successfully completing a promotional period. Experian should recognize this fault and correct so I can correctly apply and open a new credit card upon closing any older or XXXX credit cards. I am unable to open a new credit card because of this faulty understanding as to be wrongfully punished per the promotional credit cards trying to sting customers incorrectly as a conflict of interest of long-term loyalty.

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 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$2900.00} Supporting documents for incorrect information on 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 2024-04-04 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: SC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following creditors have violated my rights under 15 UC 1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Creditors in Violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-04-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following creditors have violated my rights under 15 UC 1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Creditors in Violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've consistently maintained punctual payments on this account, never allowing them to lapse into overdue status. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had 4 fraud purchases on my XXXX Credit Card on XXXX from XXXX, totaling {$370.00}. XXXX said they would remove these charges from my account. I was notified on XXXX that XXXX would put them back on my credit card account and required videotape from XXXX of the purchase transaction. 

I filed a police report with the XXXXXXXX XXXX  XXXX on XXXX, Case No. XXXX handled by XXXX XXXX # XXXX. 

On XX/XX/24 I received communication from the XXXXXXXX XXXX XXXXXXXX by postcard saying " We have reviewed the information provided and determined further investigation is not likely to result in successful prosecution. Your case will remain on file, but the investigation is suspended. '' So I have no videotape of the fraudulent transaction to give my bank, and the police have done all they're going to do, and I'm still being charged for four fraudulent purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX I bought a used XXXX XXXX XXXX from unique imports auto dealership in XXXX Arizona. I financed the car by putting {$1500.00} down at the dealership and financing the rest ( XXXX ) The bank that supposedly had given me financing is XXXX financial. 
I drove the car back to XXXX where I was staying and the car broke down. On XX/XX/XXXX I called the bank informing them that the car was broken and I no longer wanted the loan and they said good to know, we actually denied your loan a few days ago and we informed the dealership and they should have come to take the car back already. I asked if anyone was going to inform me of this, and they said no they had informed the dealership that the financing had not gone through and they expected the dealership to come and repossess their car. 

The only thing that it says on my paperwork that I needed to do in order to go through with the loan is that I needed to be available for a telephone interview with the bank, which I did before leaving the dealership. The bank called me and asked me some questions and then said I was good to go, I had a loan. 

Well, as I found out later, this turned out to not be the case. I never got an official approval *or* denial letter in the mail from XXXX They extended conditional financing to me which they later denied, but there is nothing in the paperwork I was given from XXXX or the dealership that states that the financing was conditional upon anything other than my short phone interview. 

XXXX stated they were denying the loan because they could not verify my employment via contacting my manager. I am a delivery driver for multiple apps and therefore do not have a manager. This was not noted on any of the loan paperwork that the approval would be conditional upon them contacting my manager. They only informed me of this after I had left with the car, had it for a week, and called them reporting problems with the car, which turned out to not be relevant at all since they had denied financing days before I did this. 

I was never assigned a loan number by the bank at any point, because as it turns out they never gave me a loan. The only number I have relating to this is an application number that they gave me which is XXXX V # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
This company threatned me and then sent me a text saying to verify information. When I did and also called they are saying the last 4 of my social is XXXX. This is incorrect. 

This is not my debt

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 2024-04-04 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:
XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance I have reported this accounts above as not being mine and that I am a victim of ID Theft. These accounts are hurting my ability to get credit. Please send me proof where you have VERIFIED AS ACCURATE that these are my accounts.

I have supplied a police report that states I am a victim of ID Theft.

15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

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

Complaint narrative:
Hello my name is XXXX XXXX, and I am writing this in hopes of getting a late payment removed. I do not recall making the payment late, However it can be an oversight. For 4 years I have never been late on the XXXXXXXX XXXX  account. In XXXX of 2022, there was a 30 day late being reported. 

I will like to know if this late payment can be reversed to current or paid as agreed as a courtesy. This late payment is hurting me from getting approved for other accounts. I will like if this can be removed. Thank You very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
I had a car that was impounded during a snow emergency in XXXX DC while I was traveling internationally. It was technically a repossession because the creditor had to pick the car up. The repossession occurred XX/XX/XXXX and i picked up the car XX/XX/XXXX. The car was paid off XX/XX/XXXX. The repossession comments are still being sent to the credit reporting agencies even though this was over 7 years ago now.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I called Chase bank to pay off my entire Chase Amazon Visa card balance. The website for my card was showing me two different balances. One in the amount of {$1000.00} and one in the amount of XXXX. I asked the rep several times which amount was correct and she stated {$1000.00}. I went forward and made the payment. On XX/XX/year> I received a text stating my account needs attention and I checked the app. It is now showing I owe {$24.00} on an account I paid off a month ago. I called and spoke with 3 representatives. One of them was a supervisor and all I was told is sorry we cant remove the interest charge. You need to pay it even though the companies representatives were the ones who gave me ridiculous amounts of misinformation regarding how my interest works.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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:
I recently reviewed a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my credit report, they are 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 2024-04-04 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 recently reviewed a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

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

Complaint narrative:
I received two Vanilla GIFT Visa Debit cards as XXXX gifts- one for {$50.00}, another for {$20.00}. I have tried to use both cards in local stores ( XXXX on approximately XX/XX/year> ) and online ( XXXX on XX/XX/year> ). Neither card was accepted. By calling the number listed on the cards, I learned that both cards are active and have the original balance available. I have called the support number many times ; however, there is no option that directs me to report that the cards do not work. I can not get to a person. The automated phone system tells me to go to the above website balance.vanillagift.com and select " report a problem ''. No such option exists. I have gone through every page of the website and can find no way to report the problem. There is a page for tracking a problem, buy you must enter a case number. But if you can't report a problem, there is no case number issued. There is no contact information in which to report the problem other than the phone number I have already attempted. 
The card is serviced by InComm Financial Services. I called their number and was put into a voicemail, but have received no return calls. I am hoping CFPB can get me to a solution.

I have an issue with two cards. In step 4, you ask for card number. There is no option for listing more than one card number. Let me know how you would like me to include a second card number.

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

Complaint narrative:
My personal information was use fraudulently

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