vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
XX/XX/XXXX I traded in the XXXX XXXX rdx and took possession of the a XXXX XXXX XXXX. XX/XX/XXXX I notice a payment of {$630.00} was deducted out my checking account. Im thinking after the trade in the easy pay option would end. I went to dealership XXXX XXXX to question them about their promise to pay off trade in. XXXX finance person XXXX said itll be taken care and they would refund my payment. I had bank to reverse the payment and they sent a paid in full notice. Now Acura financial is calling me every other day saying I have an open account and its {$640.00} to finish paying off the car Ive traded off. I have contacted the dealership again about this matter and they have promised to call and sort it out but I havent heard from them yet. XXXX XXXX did us the same way on a trade in leaving almost XXXX payments unpaid on the pay off amount. We paid one payment to XXXX XXXX XXXX where XXXX was financed and the only reason they paid off the lesser amount is because they sold the car and wanted the titles. It is safe to say this is their practice and Im not the only one they are doing this way since it was done to me twice in less than 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BROKER SOLUTIONS, INC.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX did an inquiry for a loan, I did not do the inquiry and also XXXX/new American fundin as well. Both I dont remember authorizing! 

XXXXXXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX/new American fundin XXXXXX/XX/XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 my realtor received this text : I am a field technician from the XXXX XXXX XXXX disconnection team believe you are a license real state agent and you have this property listed, which it is schedule for disconnection today. 

I wouldn't want to cause any inconvenience, may you please relate the message to the owner or the person in charge and have them call disconnection team at ( XXXX ) XXXX XXXX or Ext XXXX with the disconnections reference XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I called back and was told I need to pay for the deposit otherwise they are going to shut down the power. They said credit card would take five days to post and ask me to transfer thru XXXX, I did the first time, {$850.00}, and was told the number was not right so I did the second time {$850.00} and was told again Im not qualified for the discount so I did the third time, {$990.00}. They said the previous two payments will be back to my account in XXXXive days, and there was no answer when I called back. 

On XX/XX/XXXX, I called XXXX XXXX to report the case, and also called BoA to report a fraud, the claim number is XXXX. Never got any investigation report. I called BoA today and they told me my claim was denied because BoA is no liable for XXXX transfer.

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 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: IL

Complaint narrative:
I tried to withdraw {$200.00} from the atm, but did Not Receive any Cash, or the Receipt, or an error message, but each time I tried it subtracted from my balance, I filed a dispute with discover bank, they denied the dispute and mailed a letter stating I can request a copy of the proof from the merchant, but when I call to request the proof, they stated they can not send it to me, the resolution I'm looking for is to either provide the proof that the ATM dispense the funds, Or credit my account for the amounts in question..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: FL

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance Owed : {$22000.00}.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX  Balance Owed : {$22000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: KY

Complaint narrative:
In XXXX of 2023, I received three letters from a debit collector Jefferson Capital that stated I used a service called XXXX which I did not. The first collection notice is Account # XXXX {$200.00} dated XX/XX/2023. The second collection notice Account # XXXX dated XX/XX/2023 in the amount of {$120.00}. The third collection notice Account # XXXX dated XX/XX/2023 in the amount of {$170.00}. I called Jefferson Capital on XXXX XXXX and explained that the charges are not mine, they stated that they would raise a dispute for me concerning theses charges. I then waited 30 days and checked my credit report and the three charges were still being reported as delinquent and in collections. I then called Jefferson Capital again in late XXXX and explained that the charges were still showing on my credit report, and again they said they would take care of this. XXXX I checked my credit report again and the charges were still being reported. I then Called XXXX they stated that they could not find any accounts for my name or even with the account numbers I provided from Jefferson Capital. Today I filed a Police report with the XXXX XXXX Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received a Welcome letter stating that if the account isn't paid within a specific time, it will be posted to my credit. I went online to set up payments but was never told I could dispute this. So now, since I've made two payments, the company has posted this debt and states it won't be removed until they receive all fundsdeceptive communication practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: TX

Complaint narrative:
Certified U.S. letters and supporting documentation were sent to Experian, XXXX, and XXXX credit agencies ( Dated XX/XX/2023 ), disputing several inaccuracies and incompleteness of information on my consumer report pertaining to a Factual Dispute ; listing all the inaccurate reporting done on XXXX XXXX Student Loan accounts. I explained in detail what those inaccuracies were, and how I wanted this matter resolved! I requested that this matter be thoroughly investigated, that the credit agencies follow the guidelines established by the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) ; and that these inaccuracies be removed/deleted from my consumer report immediately. 

On XX/XX/2023, I received notice via email that my dispute results from Experian were in ( Report Number XXXX ). When checking these results, the notification says " Updated '', but when I checked my consumer report online... NOTHING HAPPENED TO THE ACCOUNTS I REQUESTED TO BE REMOVED/DELETED.. Nothing was updated by removal/deletion...

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 2023-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Moneylion/XXXX has been providing credit builder plus loans to their members based on charging a $ XXXX fee They advertise that once you pay off the loan you can immediately re-apply and re-borrow. 

On XXXX I made a monthly payment of {$83.00} and a payoff amount of {$400.00} based on the advertising of re-borrowing. I was unable and through multiple requests I was notified they changed their policy and no longer allow their own bank account to be used for this service, I requested updated verbiage and advised they advertise the previous. They refused to help. When I advised I needed to have the {$400.00} refunded because I paid it off under false advertising they advised the payment was valid and are refusing to refund the pay off amount and have refused to acknowledge their advertising as attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: NM

Complaint narrative:
XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports that do not were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT AND WOULD LIKE THESE ALLEGED ACCOUNTS REMOVED IMMEDIATELY

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 2023-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
It has been 2 months since I have made a complaint with the cfpb regarding lvnv funding communicating with me and attempting to collect on alleged debts for the following two accounts ; XXXX and XXXX. In that complaint I had stated that they have been violating the Fair Debt Collection Practices Act ( FDCPA ) to which they have completely denied all allegations. Afterwards they stated that they would honor my request to cease all communications. Since then, they have still continued to communicate with me which is a clear violation of the FDCPA and I have proof. Now I am demanding compensation. The FDCPA defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium of which they have decided to continue to communicate with me which is a clear violation of 15 U.S. Code 1692c. This company does NOT care about obeying federal laws and I am asking the consumer financial protection bureau ( cfpb ) to enforce federal laws onto this company. Otherwise I will proceed with litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: TX

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the account removed from my file as soon as possible. 


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
Consumer complaint received 2023-11-15 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: Atlanticus Services Corporation
State: PA

Complaint narrative:
I was late on my payment in XXXX of XXXX to my Fortiva credit card due to an issue with the app. I had forgotten about it after multiple attempts that day. I was notified on the date of my next payment ( XXXX of XXXX ) that my previous payment was late. I then paid {$1000.00} to the credit company instead of the much smaller minimum payment in hopes it would resolve the issue. I have just noticed that this issue has market my credit report with a late payment. I contacted the credit company and requested if it were possible to have the late payment removed considering I paid a much larger sum of money when it came to my attention. I was told that there was nothing that they could do and that the late payment mark will remain on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One had run my credit and approve! my application and turn around and denied me for the program and left me with a hard inquiry on my credit report two time. dates are XX/XX/XXXX and XX/XX/XXXX. I am requesting for them hard inquiry to be remove form my credit report they are on all the credit reporting, XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The addresses reported on my credit report are not mine. Transunion completely ignored our request to remove the wrongly reported address. I am in the process of buying a house and this is causing dearly.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This inquiry was made by the creditor without my consent, and it must be promptly removed.

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 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch
State: NJ

Complaint narrative:
This company sued me in the state of Georgia without notifying me. I was not properly served and Georgia being the horrible state that they are let this happen. I also had 2 credit card accounts that are still on my credit report from the original creditor XXXXXXXX XXXX. I had a contract with XXXX and was enrolled in a program that offered account protection services. Not only did XXXX deny these services after paying for it but they handed my bill to XXXX XXXX XXXX who then tried to sue me for the debt. The services was suppose to provide me relief if I involuntary lost my job through the company Account XXXX. I was wrongfully terminated during the time I had these accounts and I even won a lawsuit for wrongful termination. After settling the wrongful termination with my previous employer, comenity still refused to take responsibility and contact XXXX XXXX XXXX regarding my account. It's been 5 years and they still refuse to fix any damages to my credit report. They also charged hidden interest fees in which they were sued for and yes I was one of the many people who was part of the class action lawsuit with XXXX. Second round is trying to collect debt from me when I had a written contract with Account XXXX and paid Account XXXX  for credit protection if I ever involuntary lost my job. I have documentation of my lawsuit settlement against my former employer who agrees to settle with me after retaliation and wrongful termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. This is improper use of my credit report! These agencies must be looked at for predatory tactics and malpractices. When I initially disputed the items attached to this complaint, they had said that they " verified it ''. I am now requesting that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file ... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or XXXXXXXX XXXX is Income. This is improper use of my credit report! These agencies must be looked at for predatory tactics and malpractices. When I initially disputed the items attached to this complaint, they had said that they " verified it ''. I am now requesting that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file ... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: IL

Complaint narrative:
I respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief