vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 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: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/2024 I reserved a Hotel room at the XXXX website. Chase advertised on the XXXX Website that by applying for the Chase XXXX card I would get {$300.00} + XXXX point credit for applying. 

After not getting the {$300.00} credit and the XXXX points I called Chase and they stated they did not have me in their system and to send them the confirmation number. I wrote to them the same request for the {$300.00} credit and the XXXX points on the Chase website on XX/XX/XXXX. They wrote to me stating that they would be willing to match the offer if I found the confirmation number and sent it to them. 

I found the confirmation code and sent it to them. They refused to match the original offer of {$300.00} or the XXXX points. To date they have only given me {$300.00} and refused to match this with another {$300.00}, or given me the original XXXX points + another XXXX points pursuant to their statement they would match the points as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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 non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I was never initially contacted by the said debt collector to verify the debt was mine. I received an email that my credit score dropped and I had an account due for collections. I had to call the number given in my XXXX report. I asked them for proof that the debt was mine and I was immediately met with abusive and bullying tactics. I explained to them that i was in the process of buying house. That's when it got personal. The rude and condensing lady who I spoke with laughed and said " Good luck buying that house now '' after some words back forth I was connected to another person who advised me that he was the guy, and I quote, " who make losers like me pay my bills '' I can't remember his name but I remember his voice. He called me well after XXXX XXXX from a spam risk number and begin reciting legal jargon and said he could have me sued and he could have the cops come take anything I own for the amount of the debt I owe. I eventually received a vague and suspicious letter in the mail. It in no way proved I owed any debt. It took at least two weeks or more before I received the letter and it has no instructions or tear off sheet that explained my rights or any information on how to dispute this debt. I had to take off several days of work and spend countless hours on the phone trying to figure this out.

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have been on autopay with this account since I opened the account. Which was working fine for years. The last payment that was cleared was on XX/XX/2024 for XXXX dollars. .Then for some reason the XXXX payment on XX/XX/XXXX for XXXX dollars is returned. I received an e-mail in XXXX stating my payment is late. I called on XX/XX/XXXX and provided my banking information again and made a payment of XXXX dollars. My bank XXXX XXXX claims they have no record of that payment request, Elan financial services claims there was astop on the payment, and they reported to the credit bureau that payment is late but did not inform me that this payment is not made. Elan financial services claims the payment is stopped by XXXX XXXX XXXX XXXXXXXX has no record of any payment request. In the mean time I am charged return fees and my credit report has now a late payment, which I had perfect record so far. I think it was a mistake in the system or nework or something which was not my fault and now I am being punished for 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 non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DC

Complaint narrative:
I have seen a debt collection on my credit report, so i contacted the company to first notify them that i am unaware of the debt and they needed to verify the debt or else remove it out of my credit report. they have verbally told me the original creditor without much details.I told them that i am no longer a customer of that company and that i have paid all my dues before my new company sent them a cancellation letter.Up until today, i have not received anything from them while the debt is still showing in one of the credit reporting agency and removed from the other two reporting agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

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 2024-04-05 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 am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2024, and I have not yet received a response. ''

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 2024-04-05 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: TX

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 2024-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
XXXX XX/XX/2024 a payment was sent to VyStar via US Mail as they have yet to correct my access to their website. XXXX XX/XX/2024 the payment had not been received/cleared our checking account. When I called to inquire I was told " we don't control the US Mail '', " how do I know you are telling the truth? '' and " I can not waive your late fee as VyStar does not control the US Mail ''.

I requested a Supervisor call me and NEVER heard from one. This payment and my XXXX payment cleared in XXXX, but I am somehow being charged a late fee and having my credit negatively impacted due to VyStar 's inadequate ability to process payments they receive via US Mail. 
This is an ongoing issue.

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 2024-04-05 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: FL

Complaint narrative:
Please be advised that I recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX  XXXX ACCOUNT # XXXX BALANCE {$1300.00} XXXX XXXX XXXX ACCOUNT # XXXX -BALANCE {$14000.00} I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer report without prejudice. Also, according to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation.

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 2024-04-05 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: IL

Complaint narrative:
I kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your 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 non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Amount : {$460.00}. 
Amount : {$600.00} Amount : {$620.00} I sent a request debt validation letter, asking for the original contract with my signature, payment history with the original creditor, and requested proof of debt assignment. 

I have not received anything back and the collections are still showing on credit reports. 

I also did dispute the ownership of these accounts on XXXX XXXX and still showing on the reports. 

Please help me remove these derogatory accounts from my credit reports. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I sent a check for my payoff amount via certified express mail to the proper location and it was never processed. After over 3 weeks, the company informed me they can not locate the payment, but I have the USPS tracking number to prove exactly when the parcel was delivered and signed for. The company refuses to provide me with this information in writing and also will not settle my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-05 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Td credit card account XXXX. Was open fraudulently after my identity was stolen I have contacted all partys including td bank and all 3 credit bureaus at one point it was removed from my credit report but then returned some time later this account never belonged to me. I have file a formal identity theft report with law enforcement and attached a copy of the report to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

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 2024-04-05 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:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

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 2024-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: DE

Complaint narrative:
My account with Robinhood was hacked somehow. When trying to report that to them I was told once I proved my identity that we could reset my security features and that the funds in my account would be untouched and funds would remain. After waiting and doing the entire identity process 3 times I was informed they were closing my account and was not provided an answer why. Upon my account being closed I was barred from my funds as well. I reached out and was told because my account was closed they could not prove it was me and that they had the right to not release my funds. Even after proving who o was as well as them telling me they could see where the funds came from. I attempted to contact them further but continue tk get return to sender emails as if I was blocked and they do not have a phone number to reach them. And to make matters worse they sent me tax documents trying to charge me taxes on funds that they wont let me withdraw. I have filed a complaint with SEC AND FINRA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I am XXXX XXXX XXXX still working to survive and support myself. On XX/XX/XXXX I submitted online via Western Union XXXX dollars to NC to a contractor who was constructing a porch for me .After being interviewed by a rep from Western Union as yo the purpose of this transfer and a host of other questions I was informed by email that all is fine for the receiver to pick up the money in NC . The contractor ( recipient ) was also contacted by Western Union to pick up the money with a govt issued ID .After 3 days on XX/XX/XXXX the contractor went to retrieve the money at a Western Union business and was informed the money is on hold. I called WU and the rep told me the money will be refunded to my account ( that was on XX/XX/XXXX. ) Despite multiple attempts to rectify the situation Western Union has failed to return the money back to my account. Western Union has also failed to provide satisfactory explanation for failure to return my XXXX dollars plus fee for sending that sum of money in minutes. I have contacted WU customer service numerous times ( about 18 times ) with no resolution. I even contacted them yesterday and today. Needless to say the lack of accountability, transparency and ( in my opinion honesty ) on their part has left me in great financial hardship with inability to pay for my life saving medications ( because I took the money I had put aside for that need to send to the contractor believing WU would exercise the decency and integrity to return my hard earned money. I am respectfully seeking your assistance to retrieve my refund from Western Union. Please feel free to contact me at XXXX or email XXXX. 
Thank you for your time and consideration. 
Tracking number from Western Union for this transaction is XXXX. I serve my country as a XXXX XXXX since XXXX every day even during Covid epidemic and earned a honest living and should not be treated this way for my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: IL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2024-04-05 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: IL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my XXXX XXXX, 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