vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I received a {$50.00} gift card from my friend on XX/XX/2024 I tried using it the next day it did not work granted I thought it was the system where I was using it that was not working properly no I tried it at another location same issue so I decided to call them granted is only {$50.00} but its money none the less and it was a gift so I wanted to enjoy it I called them they opened up a claim # which I still have I gave them all my information so they could make a claim they did they told send us the receipts the card package and anything else that you have so we can document it agreed sent it and I continuously checked my email and called just to keep track of it nothing really changed stayed the same a month passed and since I never did receive anything I called again and asked they couldnt respond to me and then a few days later I got an email apparently the documents I had sent were not enough proof over the purchase of the gift card so I called them spoke to someone else and they stayed well we cant define where it was purchased and so forth so I asked what more do you need they told me the same thing again receipt and so forth I sent them and then a couple days later I called again they said yes it will take 30 days to fix the issue nothing has changed and they just now sent me another email stating the same thing we need more documents to continue with the claim I dont know what else they need bc I sent them all they needed it should be a simple problem to be resolved but now they are changing what they had said and its back to the same thing all because they cant fix it I want the {$50.00} gift card to be good for me to use I am not wanting to loose that money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX And a personal credit card at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts and collection in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Last year, around XXXX, I applied for a forbearance when I was out of work. They did approve me for it, but I was never advised when setting up the forbearance, that I would have to pay all past due payments once the 3 months ended. I was shocked when I saw my statement and they wanted {$15000.00}. 

I was under the assumption that they would be able to apply it to the end of my loan and I would continue making my regular payments. As I have seen done before. 

When I called to complain about it, they just said. " I'm sorry the customer agent didn't tell you. '' Another one said a letter was sent out. 

I have my communications set to receive digitally, and I never received anything. 

I called back and they said they did, then another agent said I was supposed to call and ask for the terms on the forbearance. Finally, on another occasion, someone said it was never sent out and I was supposed to have asked for it. But I wasn't aware I had to. I just assumed everything would pick up like normal and what was missed would go to the end of the loan. 

They tried setting me up on a payment plan and pay {$4000.00} a month, which included regular payment and part of what was past due. I was not able to agree to that because I would have no money left over. 

The other option was for me to do a loan modification, but I would lose my 2.25 % interest rate that I worked hard to get. I don't think this is fair at all, had I known I was to pay back the past due right as soon as forbearance ended, I would have never done it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-25 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Dispute of Unauthorized Charge by XXXX XXXXXXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally dispute a charge of {$510.00} billed by XXXXXXXX XXXX XXXX XXXXXXXX. On XX/XX/year>, I attempted to rent a vehicle from XXXX at XXXX XXXX XXXX. However, the company refused to rent the vehicle to me and failed to provide any documentation regarding the rental. 

Despite not receiving any rental car services from XXXX, I was billed {$510.00}. I have since rented a vehicle from XXXX and can provide proof of this transaction. XXXX has sent me letters admitting that they can not process a refund due to issues within their internal system. 

I am requesting that the CFPB intervene in this matter and assist in securing a refund for the unauthorized charge. Enclosed are copies of the correspondence with XXXX, proof of the rental with XXXX, and any other relevant documentation. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: HI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
According to the Federal Trade Commission ( FTC ) I am a victim of identity theft. 
Uniformed Commercial Code UCC 3-305 ( c ) Pursuant to UCC 3-305 ( c ) a holder in due course ( such as the credit bureaus ) can not assert the rights of a person against whom the defense of fraud is available. Therefore, these inquiries, which are fraudulent in nature, must be removed from my credit report as I did not authorize them. 
Fair Credit Reporting Act ( FCRA ) Section 605B : 1. 15 usc 1681 : section 604a 1. Name : XXXX XXXX Account : # XXXX 2 Name : XXXX XXXX  Account : # XXXX 3 Name XXXX XXXX XXXX XXXX Account : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-25 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently got a new cellphone number which is register under my name but Capital one isn't able to match the number to my name during verification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX XXXXXXXX Balance Owed : {$28000.00} XXXX XXXX XXXXXXXX Balance Owed : $ {$0.00}

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 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My access to Citibank checking account stopped working on XX/XX/XXXX. I called to know the status and they mentioned, it has been referred to closure and a letter will be sent to me in 60 days. 

My salary and all bill payments happens through the account and have about {$35000.00} in the account which I need to pay outstanding bills. They said it will be sent via check in 60 days. 

I asked them to expedite access to funds as I will be late to pay my bills, but they had no response to the request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-25 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: FL

Complaint narrative:
Consumer Information : - Name : XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - Date : XX/XX/XXXXXXXX  Bureau Information : XXXX XXXX Name : Transunion Consumer Solutions- Address : XXXX XXXX XXXX XXXX PA XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

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 2024-09-25 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: MD

Complaint narrative:
For months, these accounts have been showing up on my credit report, and its been incredibly stressful. Im simply asking that you verify whether or not these accounts are actually mine. The errors have lowered my credit score and blocked financial opportunities, making it harder for me to achieve my goals.

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 2024-09-25 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Unlimited Credit Repair
State: CA

Complaint narrative:
To Whom It May Concern, On XX/XX/year>, I signed a contract with Unlimited Credit for credit repair services. According to the contract and the conversations I had with a representative named XXXX, Unlimited Credit agreed to improve my credit by addressing negative accounts on my credit report. The contract also stipulated that I would make payments only after results were delivered. 

Per this agreement, I made an initial payment of {$1000.00}, and I was scheduled to pay {$580.00} each month. At the time, I had 12 negative accounts on my credit report.

After two months of service, 4 negative accounts were removed. However, since XX/XX/year>, there has been no further improvement in my credit report. In fact, two of the previously removed accounts have since reappeared, and one additional negative account has been added to my report. 

Despite this lack of progress, Unlimited Credit has continuously harassed me with calls demanding payment. Every month, after receiving the {$580.00}, they would postpone further action, promising results that never materialized. In XX/XX/year>, my wife and I had an appointment with a representative named XXXX XXXX, where we requested explanations regarding the status of my credit. However, the company deferred the issue, stating that results would come after more payments were made. 

Unfortunately, by XX/XX/year>, not only had I seen no positive changes in my credit, but my negative accounts had actually increased. The company has caused me significant distress and wasted my time over the course of 7 months. The lack of results, combined with their repeated demands for payment, has delayed any resolution to my credit issues. 

I request that the CFPB investigates Unlimited Credit for their failure to deliver promised services, and that I receive a refund of the payments I made, totaling {$1000.00} initially and {$580.00} per month over the past several months. I also seek compensation for the time wasted and the harassment caused by this companys unprofessional behavior. 

I trust the CFPB will help resolve this issue as soon as possible. Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Untimely response