vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive been a victim 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 explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive been a victim 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 explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I started disputing a dismissed bankruptcy on XX/XX/XXXX. None of the bureaus have ever responded to my dispute or advised me of any results of the investigation. I disputed again on XX/XX/XXXX and they still, yet again, have NOT responded to my dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I started disputing a dismissed bankruptcy on XX/XX/XXXX. None of the bureaus have ever responded to my dispute or advised me of any results of the investigation. I disputed again on XX/XX/XXXX and they still, yet again, have NOT responded to my dispute!

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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Initially I opened a car loan with XXXX XXXX then a couple years later that loan was sold to XXXX XXXX. On XX/XX/XXXX. XXXX then at the time considered my loan paid off with them. Now XX/XX/XXXX I get notified that they sold a delinquent loan to XXXX XXXX XXXX XXXX. The account they claimed is delinquent- I have and had zero knowledge of it or ever consented to that. Ive tried calling and sent a letter to them but the line is disconnected and mail is yet to be responded to.

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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Initially I opened a car loan with XXXX XXXX then a couple years later that loan was sold to XXXX XXXX. On XX/XX/XXXX. XXXX then at the time considered my loan paid off with them. Now XX/XX/XXXX I get notified that they sold a delinquent loan to XXXX XXXX XXXX XXXX. The account they claimed is delinquent- I have and had zero knowledge of it or ever consented to that. Ive tried calling and sent a letter to them but the line is disconnected and mail is yet to be responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I RECEIVED A COPY OF MY CREDIT REPORT AND THERE ARE CLAIMED THAT I HAVE ACCOUNT WITH CAINES & WEINER, BUT I NEVER HAD ACCOUNT WITH THEM. I HAVE NEVER ENTERED INTO ANY BUSINESS ARRANGEMENT AND I NEVER SIGNED ANY CONTRACT TO CONDUCT ANY KIND OF BUSINESS WITH THEM. WHEN I CONTACTED THEM THEY TELL ME THEY ARE A 3RD PARTY COLLECTOR, WHOM HAVE NO PERMISSION TO FURNISH ANY INFORMATION ON MY CREDIT REPORT IN THE FIRST PLACE. I DID NOT GIVE THEM THE AUTHORIZATION TO ACCESS MY CREDIT REPORT FOR ANY REASON. PLEASE I NEED HELP. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I SUBMITTED MY DISPUTES LAST MONTH AND STILL HAVEN'T HEARD BACK FROM THE CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, 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:
it is showing that I missed a payment for XX/XX/2021 on my XXXX XXXXXXXX credit card and I have never missed a payment I have filed a dispute with XXXX, transunion and XXXX about my XXXX XXXXXXXX account ending in XXXX under section 609 of the fcra my consumer rights are being violated.

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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
it is showing that I missed a payment for XX/XX/2021 on my XXXX XXXX credit card and I have never missed a payment I have filed a dispute with XXXX, XXXX and equifax about my XXXX XXXX account ending in XXXX under section 609 of the fcra my consumer rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
it is showing that I missed a payment for XX/XX/2021 on my XXXX XXXX XXXX  card and I have never missed a payment I have filed a dispute with experian, XXXX  and XXXX  about my XXXX XXXX account ending in XXXX under section 609 of the fcra my consumer rights are being violated.

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 2021-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: IL

Complaint narrative:
I have previously submitted a complaint for this account to XXXX XXXX and they closed their account and sold it to Lockhart, Morris & MONT. I do not owe this debt a former stepdaughter did. I ask for proof of debt from Lockhart and they have not provided it. But they continue to flag my credit account as collections refer to previous complaints on my account for you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME

Complaint narrative:
on XX/XX/2020 XXXX XXXX at carrington wrote that he wanted to see the inquiry pulled by carrington on myself, he was provided this information and he has failerd to act per his response to delete inquiry, mr XXXX was provided credit report XXXX inquiry yet he has failed to act within the 60 days he promised .he stated he could not find inquiry i have provided it to him in black and white below was sent to mr XXXX XXXX interactive inquiry CARRINGTON MORTGAGE SERV XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Requested On : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I found this on my credit report. I called to settle the debt and the man who answered told me that " my account was not eligible for a settlement '' but that he would talk to his manager and see what he can do and then told me that he would be able to take 25 % off the balance. I asked if that was the least amount your able to remove and he said yes he can not lower it any more. I told him that I would like to make sure that if they are offering other customers a higher percentage taken off the bill and that they are not allowing me that same opportunity then that would be against the law. The man said that he is certified by the FDCPA and that he knows the law and that is the least they can't take. He is not certified by the FDCPA and that is a lie and misleading. I was a bill collector for 8 years and know that you do not get certified by the FDCPA and this falls into the deceptive practices portion of said FDCPA. Also he continued to ask me what the reason was for me to want to pay this and continued to ask why I all the sudden want to pay and it was clear he was trying to find out why I would like to pay this so that he could use that as leverage over me. So I asked for a manager and I told her that I was calling to see about settling this debt and that he offered me 25 % but that I wanted to make sure I was getting the best settlement available and that if you are offering other customers a lower amount and you do not offer me that amount then that would be against the law and she told me that the settlement amount t are not the same for each customer and that there are factors like the account balance that determine the settlement and named several other things that decide that. I told her again that I was a bill collector for a long time and I am very confident that there is a certain amount you are able to lower that bill to and I am pretty confident that you are not being honest with me. I told her that I am not okay with this and will be contacting the cfpb. Also the first associate tried to tell me that it is not his money so he has no reason not to give me the best price and I said sure there is I am sure you make commissions off this and he said no he does not and that he makes a salary based pay and is not affected by the collection which I also believe to be untrue. So this is several examples of them being deceitful and using abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I SUBMITTED MY DISPUTES LAST MONTH AND STILL HAVEN'T HEARD BACK FROM THE CREDIT BUREAUS

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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
capital one is reporting to XXXX, XXXX, and XXXX  that I was late on my credit card ending in XXXX for XX/XX/2021. I was never late and i have attached a credit card to prove it. Please reverse the payment history into good standing and not late. it is ruining my credit worthiness to buy a home and violating my consumer rights under the fcra section 605b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mid-Atlantic Finance Co., Inc.
State: AZ

Complaint narrative:
XX/XX/2021 auto loan thru mid atlantic was dismissed from my credit report. Today ( XX/XX/2021 @ XXXX XXXX ) they tried to call me a reopen an account that had already been thrown out. Once they throw it out they shouldn't be legally allowed to reopen anytime they want. I don't think thats right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX placed a hard inquiry on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX also appeared as hard inquiries on my report. 
I have never inquired requested or even heard of any of these companies which are located in several different states and I have no use for banking services I can't physically visit for assistance. I advised XXXX and Transunion of my dispute via telephone and was told I must contact original creditor listed above. I contacted 3 of the above creditors to see how they got my information, they required my social security number, name and address to check for my information and I was told no record of me could be found, and they are unable to send any type of request to remove from credit report since they have no demographics or file with my information. 
I contacted XXXX and Trans Union again with information above and request to remove hard inquiries, I was told I must send written dispute and request inquiries be removed. 
I mailed 2 dispute letters to XXXX, XXXX and Transunion XX/XX/XXXX and XX/XX/XXXX no response. I Called to check status on written disputes after 30 days on XX/XX/XXXX. No record of my dispute can be found with XXXX, XXXX or Trans Union. 
Called Trans Union and XXXX again they still have no records of my dispute and are unwilling to help me get this resolved and remove these unapproved inquiries.

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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX placed a hard inquiry on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX also appeared as hard inquiries on my report. 
I have never inquired requested or even heard of any of these companies which are located in several different states and I have no use for banking services I can't physically visit for assistance. I advised XXXX and XXXX of my dispute via telephone and was told I must contact original creditor listed above. I contacted 3 of the above creditors to see how they got my information, they required my social security number, name and address to check for my information and I was told no record of me could be found, and they are unable to send any type of request to remove from credit report since they have no demographics or file with my information. 
I contacted XXXX and XXXX XXXX again with information above and request to remove hard inquiries, I was told I must send written dispute and request inquiries be removed. 
I mailed 2 dispute letters to XXXX, Equifax and XXXX XX/XX/XXXX and XX/XX/XXXX no response. I Called to check status on written disputes after 30 days on XX/XX/XXXX. No record of my dispute can be found with XXXX, Equifax or XXXX XXXX. 
Called XXXX XXXX and Equifax again they still have no records of my dispute and are unwilling to help me get this resolved and remove these unapproved inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dressman Benzinger LaVelle PSC
State: KY

Complaint narrative:
On XXXX was served court papers by DBL Law for medical debt owed to XXXX XXXX, in the amount of XXXX Contacted DBL law XXXX and was advised the amount was for service on XX/XX/17 for XXXX XXXX and XXXX XXXX and that the minimum I could pay in order to settle the debt was XXXX per month. 

I advised the lady I spoke with that this was rather confusing because I had been making payments directly to XXXX XXXX totaling XXXX per month The representative at DBL law stated there was no indication any payments had been made and that she would contact XXXX XXXX and confirm XXXX she called me back and advised that yes I had made payments totaling XXXX cents and that the amount I still owed was XXXX but that they also wanted me to pay court costs on top of that totaling XXXX I should not be held financially responsible and asked to pay court costs due to the complete lack of communication from dbl law and XXXX XXXX when clearly when I got served on XXXX more than half of the debt had been paid. 

I have called DBL law 10+ and took a week to receive a call back. I paid the court costs in order to avoid having to deal with the unethical business practices of both XXXX XXXX and dbl law but would like the court costs to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XX/XX/XXXX XXXX I am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft. I have filled out a report with identity theft also, I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 
Thank You I demand that the following account be verified or removed immediately : The following accounts is not mine Equifax Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/XXXX, I purchased 2 roundtrip Airplane tickets with XXXX XXXX from XXXX to XXXX on my Chase Sapphire Reserve Visa for a trip in XXXX of XXXX. The flights and trip were cancelled due to the pandemic. I was unable to reach XXXX after dozens of phone calls and attempted contact on XXXX as well, with no response. I felt I had no choice but to apply for a voucher, which was presented as my only option, and I was unable to discuss the refund policy with anyone at XXXX, as they were unreachable. 

I am now unable to use these vouchers, as they expire in XXXX, and I am unable to travel. I need a refund for the tickets, which has been denied by XXXX after 3 phone calls to them requesting a refund. 

I submitted a dispute with Chase in XX/XX/XXXX, as I am now aware that I am unable to use these vouchers. Chase has denied my dispute because it is after the 60 day window for disputes. I replied to the dispute denial stating that I refused to pay the charges, and why. I have not received any response to this. This travel situation with the pandemic is highly unusual, and I would expect that Chase honor the dispute process, even if the Airlines are not following the rules. 

Transaction Information : XXXX XXXX : XXXX XXXX XXXX {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX charged my card without authorization in the amount of {$120.00}. 

On multiple occasions since then I disputed the charge with my credit card company - TD Card Services - TD Bank. 

Since they, TD Card services have since charged me interest and penalties and is damaging my credit by reporting the disputed amounts to credit bureaus - where my card agreement specifically states - disputed charges will not be subject to account default. 

TD Card Services requested me to mail back to them details of my dispute. Which I did via regular U.S. Mail. They received it ; however stated that they processed my reply 2 days after their cutoff date and hence will not honor my dispute. 

Last spoke with XXXX at TD Customer Care on XX/XX/XXXX ; XXXX.

Company response to consumer: Closed with monetary relief