vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: VA

Complaint narrative:
I discovered this company XXXX XXXX XXXX XXXX ) had been reporting multiple negative installment loan accounts on my credit reports when I obtained my credit reports in late XXXX XXXXXXXX XXXX XXXXXXXX, following my denial of favorable auto loan financing in XXXXXXXX XXXX XXXXXXXX with an auto lender. Subsequent to discovering these fraudulent accounts, I immediately alerted the the company each of the credit bureaus, the FTC and filed identity theft reports with my local police department. I contacted this company by telephone multiple times and spoke at length with several different representatives from their internal Fraud department to file a complaint and learn more information about the details of the nature of the company and how the fraud was able to transpire. Each representative I spoke with asked me a series of security questions such as my phone number, email address, bank account numbers, SSN, DOB, and other personal information and informed me that their conclusion was that the accounts were indeed opened by someone else who had been using my identity, but different contact and banking information. I was provided a report number and informed that an internal review of their findings by a higher department would be concluded within 3-5 business days and that I should expect to see these accounts deleted from my credit reports " very soon. '' That was over 45 days ago and I have yet to receive any communications from this company and these fraudulent items are still reporting on my credit reports. I also received communication from the credit bureaus via updated credit reports around XX/XX/XXXX, stating that this company had initially certified to the credit bureaus that these accounts were being reported accurately despite my initial request to the bureaus that this information be blocked due to being the result of identity theft, which also further violated my rights under federal law.

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 2024-04-23 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: SC

Complaint narrative:
ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have, and continue to, receive nuisance robo calls from various Georgia area code numbers with the name listed as 'PORTFOLIO RECOV ''. This has been happening for at least seven months. I have excellent credit rating and have no delinquent debt so I know this isn't legitimate. I keep blocking numbers and they keep calling from different ones. They never leave a message. Here are the latest calls : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is just from this month. The earliest call I still have on my phone is on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX This has been happening for longer than that, that's just as far back as my phone is keeping history of calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: MD

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-23 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: IN

Complaint narrative:
Over the course of the last six months I have sent 3 letters to dispute my inaccurate information and its still not being reported correctly

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 2024-04-23 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: IN

Complaint narrative:
Over the course of the last six months I have sent 3 letters to dispute my inaccurate information and its still not being reported correctly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
According to the FCRA 15 U.S.C. 1681 Congressional findings and statement of purpose all consumer reporting agencies are required to provide confidentiality, accuracy, relevancy, and proper utilization in a fair and equitable manner. My Consumer report has multiple inaccuracies including name, address, contact number, confidentiality, accuracy, etc. I the Original Creditor confirm that all negative accounts showing within my consumer report are inaccurate and need to be removed immediately as I have never missed a payment and I do not owe any corporation anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me XXXX. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I was checking my credit report after data breach reports received and I detect this collection account. XXXX XXXX XXXX XXXX, doesn't related to me and a hard inquiry of XXXX XXXX. These account has to be removed as FCRA required because is hurting my ability to get 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 non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was misled and tricked into signing up for a credit card I didnt want with jp Morgan chase bank . I went in for a small business loan and the bank employee named XXXX XXXX lied to me and cornered me into signing up for a chase ink credit card. I felt pressured into this whole situation. Now I have a hard inquiry and its going to harder to get what I need for my business. I called chase customer care, a loan officer told me the truth after I asked him the same questions I asked the bank employee. I had asked her the lowest amount possible for a business loan she laughed at me and said $ XXXX and my only option would be to sign up for a credit card. The loan officer on the phone said that was untrue that I couldve signed up for as low as $ XXXX without a credit card. Now I have a credit card I dont need or want. Help me please. Im losing sleep over this!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I became aware that Equifax has locked me out of my account. I emailed the support team and I was informed that they do not have my email " XXXX '' on file for an account. However, when I attempted to create a new account, I was alerted that I already have an account. I only used the said email for this account. Please see attachments verifying I already have an account on file with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CA

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 three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial 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 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jana Ferrell & Associates LLC
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company JANA FERRELL AND ASSOC. 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 explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Specified Credit Association, Inc.
State: IL

Complaint narrative:
( XXXX ) XXXX Specified Credit Incoming Call at XXXX XXXX  Notified that the call was being recorded. 
Stated to debt collector that letter that was sent was never received. 
Verified address over the phone 2 times. 
Asked for a new letter and debt collector refused to send over another letter. 
Asked for a certified mail letter and debt collector got angry and said No we are not sending you any certified mail. I proceeded to ask why not and just blatantly refused to mail me anything that is certified. 
I asked about the debt amount being collected and was very condescending and treating me in a childish manner when explaining things and said lets pull out the calculator and do some calculating. 
Was attempting to collect the debt and did not have the contract on hand and proceeded to get angry when I asked questions about what was the debt and did not want to pull the contract out. Started getting loud and refusing to send me a certified letter again and again and I ended the call by saying Goodby Mam Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: NY

Complaint narrative:
XXXX XXXX XXXX was alerted on XX/XX/year> that a fraudulent application was submitted on XX/XX/year> for a XXXX XXXX credit account. XXXX XXXXXXXX XXXX alerted XXXX ( Experian ) on XX/XX/year> this was a fraudulent application but XXXX ( Experian ) didnt remove the hard inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I requested a balance transfer payment to be made to Capital One in full on XX/XX/2024. XXXX weeks later, I received a response from XXXX XXXX that the check that they sent to Capital One was returned and therefore canceled. I was then told by XXXX XXXX that I have to wait XXXX hours to complete another balance transfer. After doing so, the new balance transfer was completed and paid on XX/XX/XXXX electronically, prior to the due date. After this payment was made, the account reflected a {$0.00} balance. As of today, XX/XX/XXXX, I was charged interest of {$120.00} and told by the Capital One representative that if XXXX full payments are not made for at least XXXX billing cycles, I would be charged interest. 

This was not told to me when I spoke to the representative at Capital One when I called to get information about the balance transfer process and things that I needed to be aware of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2024-04-23 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: MD

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 2024-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I'm deeply dismayed by the ongoing nightmare I've endured with my XXXX Honda XXXX XXXX Hybrid, purchased from Honda of XXXX on XX/XX/XXXX. I expected nothing short of perfection upon acquiring my first Honda vehicle, eagerly anticipating the modern marvel of in-car Wi-Fi. However, to my dismay, I've been ensnared in a baffling web of incompetence and indifference. 

Since the date of purchase, I've been subjected to a relentless cycle of finger-pointing between Honda and XXXX XXXX XXXX  each blaming the other for the failure of the Wi-Fi service to function. Despite my best efforts to seek resolution, I've been met with a barrage of excuses, delays, and outright rudeness. 

On XX/XX/XXXX, I dutifully submitted a ticket to address the issue, only to receive radio silence in response. Follow-up attempts on XX/XX/XXXX and XX/XX/XXXX yielded nothing but frustration and wasted time. During a grueling five-hour ordeal at Honda of XXXX on XX/XX/XXXX, I discovered that XXXX XXXX XXXX  had the wrong VIN number associated with my vehicle. Yet, even with this critical information in hand, the impasse continued. 
The nadir of my experience came during a call on XX/XX/XXXX, with a Honda representative assigned to my case ( number XXXX ), whose demeanor was as callous as it was unhelpful. This individual not only displayed flagrant disregard for my concerns but exhibited a level of rudeness and dismissiveness that left me speechless. 

Despite my pleas for assistance and escalation, I was met with a cold indifference, with the representative refusing to take any meaningful action to address the situation. She adamantly refused to escalate the matter or provide any additional assistance, callously asserting that she was under no obligation to do so. 

As if the lack of resolution weren't distressing enough, the utter lack of accountability and professionalism demonstrated by this representative has left me feeling utterly abandoned and disheartened. The prospect of being without essential Wi-Fi services for over five months, coupled with the abysmal communication and abhorrent treatment I've endured, is simply intolerable. 

In light of these egregious failures, I have no choice but to explore other avenues for recourse, including lodging a complaint with the CFPB and invoking lemon law protections. I can only hope that the company takes swift and decisive action to rectify this situation and restore some semblance of faith in their brand. 

This ordeal has taken an immense toll on me, both emotionally and practically, and I implore Honda to take my grievances seriously and provide the redress I so desperately seek.

Please note that I have several copies of emails that were never responded to along with several legally obtain recordings of the phone calls. I am a resident of a one consent state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: TX

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 2024-04-23 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: TX

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 2024-04-23 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: Affirm Holdings, Inc
State: CT

Complaint narrative:
According to the IRS, an unpaid charge off is income, and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099 C ( Cancellation of Debt ) from the following charged off account listed below. Affirm IncXXXX XXXXXXXX XXXX XXXX. Please send me a 1099 C as requested.

Company response to consumer: Closed with explanation