vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Ally financial sent my account to a third party to collect. I settled with the third party and made my payments. I reached out to Ally financial to update the amount shown on credit report to reflect negative balance. They refuse to talk to me and send me to third party. The third party said they have sent them the information to show I paid but they refuse to update the information on the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-20 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I applied for Capital One Quick Silver credit card that advertise a bonus promotions of {$200.00} after spending {$500.00} within 90 days after opening account. Once I meet the requirement I find out from customer service that I was issued a regular quick sliver credit card that did not have the bonus promotions. I am positive that on the application page the promotion bonus was being offered. I am very upset because why would you have two of the same cards one offering a bonus and one that did not. I feel that is very misleading to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This is the fourth complaint filed against BMO. I have attempted to follow all of XXXX XXXX instructions to attempt to make a payment on my lease. I mailed a check to the address provided with the account number on the check. It was returned by BMO with a letter statingUnable to Locate Account. I returned back to the bank that confirmed I can not make a payment in a branch and that it needs to be mailed. The branch attempted to find the account number like XXXX XXXX instructed in his last response. The branch was unable to do so. 
XXXX XXXX the branch manger could also not locate an account for me, reached out to XXXX XXXX who then instructed her to get me to return with cash or a cashier check and enter in as a GL. They would then email XXXX XXXX who would update the account. 
This seems very unethical as to this day XX/XX/2023 nobody is able to give me any transaction history of any payment made or give me a copy of my lease agreement. 
I am now two months behind in payment that I have attempted in every way to pay. 
I have asked XXXX XXXX for this information to be provided to me in writing. They will not do so and nobody seems to be making any effort to resolve this issue other than me.

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 2024-03-20 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have an inaccurate account reporting on my consumer report violating my consumer rights. And, I also have a third party collection company violating the privacy act and consumer law by reaching out to me to collect on debt I do not owe also I have proof another third party collection have also reached out to me as well to try to collect on this debt as well. I do not have a contract with MIDLAND CREDIT MANAGEMENT OR MIDLAND CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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 settled a charged-off credit account with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Experian and XXXX continue to report late payments in the last 60 days on this account despite it showing the account has been satisfied with a {$0.00} balance. Both credit bureaus have reported late payments for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have filed multiple disputes requesting this to stop. My credit score remains low because of this negligent reporting.

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 2024-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
You have me owing them {$220.00}. I have never used their services in my life. I do not know who they are. I have never dealt with them and they have not sent me any proof of verification showing that its me. I want this removed I already complained to all the credit bureaus two of them have taken it off except XXXX XXXX says that they verified. How could you verify something without some kind of proof so Im trying to find this

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

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 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: AL

Complaint narrative:
Conn 's Home Plus has called me several times at work each day and I'm only one day late. They also are calling me excessively 5-7 times a day. I have asked them not to contact me at work but they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been paying off of this credit card for several years now I finally made my last payment and all of a sudden they say that a payment bounce from my understanding. I canceled the payment and rescheduled it for another day. I dont see where this payment had bounced. I would like for this last {$68.00} to be forgiven and for the account to be closed I have given capital one more than enough money and they should me with this last payment. Enough is enough. They have charged me more money with interest in late fees than the bill itself that account has been closed for several Im still paying off this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 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: GA

Complaint narrative:
These are all fraud and I did not authorize any transactions by this company ; whom I never disclosed my information and voice call to. I shall not be responsible for paying debt listed as this is error. Per FCRA all unverified and Fraudulent removedXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months XXXX XXXX XXXX Creditor Classification XXXX XX/XX/XXXX $ XXXX Monthly XXXX Date of Last Reported Update Balance Amount Amountt Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date XXXX XXXX. XXXX Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXX {$24.00} XX/XX/XXXX {$160.00} XX/XX/XXXX Status - Pays As Agreed ; Type of Account - Open ; Type of Loan - Secured Credit Card ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Secured Credit Card ; Fixed Rat

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: WI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
FEB/DESTINY opened -XX/XX/XXXX balance {$840.00} XX/XX/XXXX This account I have no knowledge of this account and I called the credit company to confirm that this account was opened fraudulently. I disputed with my credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I opened a dispute for unauthorized charges on my credit card several days ago. My previous card was shut off with a new one shipped to me, however I havent been credited for the amount lost due to fraud. Ally representatives have not given me any information about when I can expect the credits. It seems they are trying to hold me responsible for charges I didnt make, despite having a zero liability guarantee. 

I need the amount of these transactions to be credited back to my card so I dont have to pay for fraudulent charges when my statement closes in approximately one week.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I made my first mortgage payment in XX/XX/XXXX. My mortgage was sold in XX/XX/XXXX. 

I made all my corresponding payments to the new servicer on time. 

The new servicer ( SPS ) argues that I have not made my XXXX payment, meaning I am one month behind. 

After providing all required proof, SPS says the prior servicer did not transfer the XXXX payment to SPS. The prior servicer says the XXXX payment belongs to them, given that my loan was sold in XX/XX/XXXX. 

SPS decided to punish me with late fees and sent my information to the credit bureau, arguing that I had not made my payment. 


I have complied with the agreement, and this issue should be resolved between services instead of punishing me and sending the wrong information to the credit bureaus. 

I cooperated with SPS, and they ignored my proof. SPS did not conduct the proper investigation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AR

Complaint narrative:
Received multiple phone calls from Hunter Warfield concerning a debt to a property company with which I have had no dealings. Hunter Warfield attempted to validate the debt and noted that the individual responsible for the debt has a different SSN from me. Hunter Warfield confirmed that the debt was not mine over the phone twice and both times indicated that they would not be contacting me further. I made it clear that any further attempts to contact me regarding this debt would result in reporting Hunter Warfield to all relevant authorities for harassment. A short period of time after the last phone call, I began receiving emails regarding this same debt, at which time I began to register complaints with the CFPB and my Attorney General, gave an additional written demand to cease and desist, and informed Hunter Warfield of my intent register the relevant complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: OH

Complaint narrative:
Please remove these inquiries as I didn't initiated them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NC

Complaint narrative:
I CALLED TO GET INFORMATION FIXED THEY DID NOT REMOVE WHAT I ASKED OR FIX THE NAME REMOVE THESE 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

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