vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 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: GA

Complaint narrative:
Inaccurate information reporting on my credit report that are not mine. I have contacted XXXX, Transunion, XXXX several times via phone, online and via first class mailings on many occasions in regard to inquiries that is reporting inaccurately. I even provided a police report and I get the same response each time that they have been removed but they are still appearing on my report. It makes it look very bad on my credit report and reporting negatively/inaccurately. I am trying to finance something on my credit report and it makes it very difficult when theyre checking my credit and this inaccurate information is appearing. I have disputed and reached out to XXXX, Transunion, XXXX several times and they say the same thing over and over, that we have removed them but they have not sent me anything in writing with proof of the removals. After they were going to mail out letters confirming the removal of the disputed inquiries. XXXX, Transunion, XXXX needs to provide proof of validation of these being removed and the results of my disputes. When I call XXXX, Transunion, XXXX they keep telling me that their handling it and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries is what is being reported : XXXX 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  How can all the bureaus be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect. In addition my XXXX and Transunion score does not reflect my credit profile.

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 2022-08-23 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: GA

Complaint narrative:
Inaccurate information reporting on my credit report that are not mine. I have contacted XXXX, XXXX, Experian several times via phone, online and via first class mailings on many occasions in regard to inquiries that is reporting inaccurately. I even provided a police report and I get the same response each time that they have been removed but they are still appearing on my report. It makes it look very bad on my credit report and reporting negatively/inaccurately. I am trying to finance something on my credit report and it makes it very difficult when theyre checking my credit and this inaccurate information is appearing. I have disputed and reached out to XXXX, XXXX, Experian several times and they say the same thing over and over, that we have removed them but they have not sent me anything in writing with proof of the removals. After they were going to mail out letters confirming the removal of the disputed inquiries. XXXX, XXXX, Experian needs to provide proof of validation of these being removed and the results of my disputes. When I call XXXX, XXXX, Experian they keep telling me that their handling it and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries is what is being reported : 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  How can all the bureaus be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect. In addition my XXXX and XXXX score does not reflect my credit profile.

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 2022-08-23 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I found out about the fraudulent charges on my TD Business Solution Credit Card around XX/XX/XXXX and I immediately reported it to TD Card services. The fraudulent charges were all made through a series of XXXX XXXX  transactions in the sum of {$12000.00}. The dispute claims remain unresolved as of today. I am currently in the process of applying for a mortgage and this unfortunate event has greatly damaged my chance of getting one. I need the fraudulent charges remove from my account as soon as possible to prevent it from further damaging my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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 — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file. 

XXXX XXXX, Acima Credit, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my XXXX  ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts. 

I am demanding Acima Credit, XXXX XXXX, XXXX XXXX & XXXX XXXX remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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 — Their investigation did not fix an error on your report
Company: C/C Financial
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file. 

Proffered Lease, XXXX XXXX, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my XXXX  ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts. 

I am demanding XXXX XXXX, XXXX XXXX, XXXX XXXX & Preferred Lease remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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 — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One Main Financial XXXX XXXX XXXX XXXX has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file. 

XXXX XXXX  XXXX XXXX, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my XXXX  ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts. 

I am demanding XXXX XXXX, OneMain Financial, XXXX XXXX & XXXX XXXX remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-08-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
that collection tried to collected debt doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: Possible Financial Inc
State: FL

Complaint narrative:
XXXX XXXX Possible Financial These companies have been disputed by all three major credit bureaus for reporting fraud on my credit profiles. I have both written and electronically asked for debt validation sources numerous times, including contracts with my photo ID and my signature as well as GPS location, and these companies have failed to provide requested documentation to me within 30 days of disputes. These accounts were fraudulently obtained without my consent or knowledge by my XXXX  ex-husband in an attempt to ruin my chances of success after having XXXX XXXX XXXX these items have negatively affected myself and my children from obtaining housing and transportation and I demand these items be deleted from all consumer agencies as well as all three major credit bureaus immediately and all further negative reporting has to cease. these companies have repeatedly violated my consumer rights and have broken many consumer laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I get phone calls almost every day, I block the calls on my cell phone and then the company calls with another number. Sometimes more than once a day. I keep blocking and the company keeps calling. Its MIDLAND CREDIT MANAGEMENT. Sometimes it appears on the screen as MIDLAND CREDIT MANAGEMENT and sometimes as MCM. But always with different phone numbers. No matter how many times I block the calls, they call with another number. I do not owe any debts at all this is just a robo call scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
In XXXX, XXXX I opened a Huntington XXXX checking account and I was supposed to get a {$200.00} bonus after depositing more than {$1000.00}. See attached screenshot. 

Fine print from bank : To qualify for the {$200.00} cash bonus, you are required to open a new, qualifying Huntington 5 Checking account by XX/XX/XXXX and make cumulative new money deposits into the checking account of at least {$1000.00} or more within 60 days of account opening and keep your account open for 90 days. 

I satisfied the terms but did not get the bonus. So, on XX/XX/XXXX, I contacted the bank. Now they are telling me that the {$1000.00} deposit has to be in direct deposit and they refused me the bonus. Even when I opened the account the banker " XXXX '' clearly told that I just needed to deposit {$1000.00} to get the bonus. 

If that is the case, why don't you mention clearly in the screenshot and fine print. These are deceptive practices to ensure I do not get the bonus. 

I want CFPB to ensure Huntington grant the {$200.00} bonus as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: DC

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Torrid Comenity banl credit card account # Account Ending In : XXXX I was unaware there was a balance in my account, It appears that my account was not credited correctly after a made a online return in XX/XX/2022, should have been for about {$30.00}. I was under the impression that the return and my payment in XX/XX/2022 had cleared my balance. Because the credit for the return did not happen the balance remained and a late fee applied for XXXX, XXXX and XX/XX/2022 totaling {$110.00}. 
During the time the late fees were being applied, I did not get any notices in mail. 

I checked on my credit and discovered there was still a balance on this account and this is how i found out about this. 

I tried calling comenity bank to discuss the matter and they transferred me around to at least 3 people no one knew how to help me and I was on the phone with them over 1 hour. I as put on hold and they ended the call. 
I since closed this account because I do not want to incur anymore fees. I would PPRECIATE ANY HELP YOU CAN PROVIDE ME WITH THIS MATTER. 
Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
The company I C Systems has reported derogatory information to the credit bureaus. I requested I C Systems to validate the account or remove the item from my credit report and they refused. I spoke to XXXX XXXX XXXX XXXX XXXX ) who refused to provide validation of the debt or prove that the debt belongs to me. This discussion took place on XX/XX/2023

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 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I am a XXXX XXXXXXXX out of XXXX XXXXXXXX. My clients job has been done for several months, has passed local building department and also the third party inspection required to release final funds from LoanCare. They will not release the funds. It is a constant resending docs to them I already sent, everyone comes up with a different reason why. Why are they holding our money. We are trying to be very nice and patient but its been months. Today we call. Again its another doc this time I se I already sent it to them XX/XX/XXXX. So cant use that anymore. I ask for a supervisor. They send me to a Resolution Department. There its the same story. I ask for a department manager. She puts me on hold for 20 mins! Never came back to say Sorry just a bit longer. No. I wasnt given that respect. She comes on and says she was in unable to get a supervisor. I ask her name sue says XXXX XXXX. I ask for her managers name. She doesnt answer me. Starts typing quicklysilence. Im like hello. Shes mumbling ohh I dont know I have to see who will call you. Theres several. Im trying to see if I can even do that. So she claims someone will call. Theyve done this before. No one calls. This was today XX/XX/XXXX XXXX XXXX XXXX time. The complaints about LoanCare online are real. We work with mortgage companies all the time. I have never seen a company act so ridiculous rude and make up reasons why not to give out funds.

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 2022-08-23 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: AR

Complaint narrative:
I was contacted in XXXX regarding alleged account with XXXX XXXX for XXXX ( est ) by a collection agency. This account also listed on credit report. In my disputing the validity of the account, I never authorized, account was removed. Then later in XX/XX/XXXX, another letter from XXXX XXXXXXXX XXXX sent letter and forgetting I had already addressed the matter, requested validation of signatures, etc., and no validation of signatures was sent but again in XX/XX/XXXX, after I requested again in XX/XX/XXXX, a letter with alleged amount, I will include. I told them they had failed to validate account within the 30 days, and therefore request they delete account. They continued sending mail alleged indebtedness via XXXX XXXX and XXXX, then in XXXXXXXX XXXX  I sent certified to credit bureaus and to XXXXXXXX XXXX XXXX requesting they CEASE and DESIST for the 2nd time. They then proceeded to put the account back on credit report alleging it is an open account, delinquent in XX/XX/XXXX. 
Their unfair dealings and strong arm overreaching and wire fraud according to U.S. 18 U.S.C.Sec 1343, is a crime to transmit fraudulent information via mail, wire, ....

Also, FDCPA Sec 809 ( b ), reporting without validation, etc. 
It seems the more I withstand these bully tactics, the more they demonstrate willingness to violate rights, statutes and laws. 
Please help us.

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