vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
On XX/XX/2023 I mailed off a " Request for VALIDATION, NOT Verification '' letter to " Transworld Systems XXXX XXXX '' The company received my letter on XX/XX/2023 and someone from the company signed for it. Within my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. After 30 days I mailed another letter asking for a request validation of the debt they say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Throughout my history with this account, I've consistently made timely payments, avoiding any instances of overdue payments. I'm uncertain about the reasons for the late payment remarks appearing on my accounts. According to 15 USC 1666b - Billing Error, these should be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: NY

Complaint narrative:
I am writing to formally dispute a hard inquiry listed on my credit report. I have no association with those creditors listed and did not authorize this inquiry.

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 2024-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
XX/XX/2024 there were multiple transactions made in my Cash App account from XXXX. The last XXXX transactions for {$190.00} and {$480.00} sent all my money from my Cash App account to a strange account I dont know. The other attempts were also sent to strange accounts I didnt know. I had lost my second phone that day, out running errands and I didnt realize until I seen all of my money was missing from my Cash App account. I tried requesting a refund from the person and reporting the account. I also made multiple disputes with Cash App to try and get my money back but they have denied one of my disputes saying it was me and I told them I had a second phone that was stolen by someone with all my info still in it. I just really want my money back I was saving up for my birthday and apartment and that just really put a dent in my pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: IL

Complaint narrative:
I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, PA.This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely EQUIFAX, XXXX AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: BROKER SOLUTIONS, INC.
State: MN

Complaint narrative:
I REPORTED A CLAIM TO MY INSURANCE COMPANY ABOUY HAIL DAMAGE THE SENT AND INSPECTOR, TO APPRAISE THE DEMAGE AND SENT A CHECK! MONTH LATER DEALING WITH AMERICAN FUNDING. i FINALLY SUBMITTED THE CONTRACTOR BID AND EVERYTHING ELSE THEY WANTED, AMD THEN MY INSURANCE WENT UP AND THEN THE MORTGAGE COMPANY GAVE THE INSURANCE, ESCROW MONEY THAT i HAD ON THIER ON ACCORD {$1800.00}. WELL i FINALY RECIEVED A PORTION OF THE CLAIM WHICH WAS {$1200.00} WHICH DOSEANT EVEN MEET THE REQUIREMENT FOR THE MATERIAL.

NOW I DONT HAVE A CONTRACTOR BUT A LEAKY ROOF! i HAVE {$65.00} IN EQUITY IN MY HOME SO TO SEND ME A THIRD BECAUSE i WAS LATE # PAYMENT BUT MY MORTGAGE IS BEEN CAUGHT UP AND ON TIME FOR NOW 120 DAYS i THINK THIS IS UNFAIR ALL THE WAY AROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I never applied for or ask for or paid for a credit card from capital one or XXXX I have never used XXXX in my life or capital one I have never lived in XXXX XXXX or visited all three of these items are on. My credit report I have been trying to change the XXXX XXXX lie on my report for over ten years my sister stoked my Id and has been using it over 20 years I also never ask for any cell phone from XXXX XXXX  I have lived in XXXX for the 8 years we dont even have XXXX XXXX in XXXX XXXX XXXX is my sister who stole my identity she lives in XXXX XXXX XXXXXXXX XXXX XXXX XXXX she is behind these credit cards on my report and XXXX XXXX and she is the one who lived in XXXX XXXX for over 20 years not me I need my credit report corrected please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I never applied for or ask for or paid for a credit card from XXXX XXXXXXXX or Citibank I have never used Citibank in my life or capital one I have never lived in XXXX XXXX or visited all three of these items are on. My credit report I have been trying to change the XXXX XXXX lie on my report for over ten years my sister stoked my Id and has been using it over 20 years I also never ask for any cell phone from cellular one I have lived in XXXX for the 8 years we dont even have cellular one in XXXX XXXX XXXX XXXX my sister who stole my identity she lives in XXXX XXXX XXXX XXXX XXXX XXXX she is behind these credit cards on my report and cellular one and she is the one who lived in XXXX XXXX for over 20 years not me I need my credit report corrected please

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 2024-03-12 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: GA

Complaint narrative:
I asked that transunion, XXXX, and XXXX delete and remove inaccurate information from my credit report they are showing third parties on my credit report that are attempting to collect a debt that I had No binding contract or agreement with on behalf of the original creditors. Original creditors are XXXX XXXX  XXXX that I had a contract with not XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX contact number is XXXX also known as XXXX XXXX. Other said account that I have no binding contract with is XXXX XXXX  located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX contact number is ( XXXX ) XXXX original creditor was XXXX XXXX.I demand these said accounts be removed from my credit report due to inaccuracies I have, nor had any association with the following third party businesses nor did I have a binding contract with the said stated third party businesses and they were not granted permission to any of my credit reports or credit files by me instead its was through the original creditors in attempt to collect a debt. By law they are not allowed to access or report any information pertaining to the original accounts without a binding contract these are third parties instead of the original creditors that I did have a contract with I demand these accounts be removed from my credit reports with all three credit bureaus XXXX, transunion, and XXXX 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 non-monetary relief
Consumer complaint received 2024-03-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked that XXXX, XXXX, and experian delete and remove inaccurate information from my credit report they are showing third parties on my credit report that are attempting to collect a debt that I had No binding contract or agreement with on behalf of the original creditors. Original creditors are XXXX XXXX  XXXX that I had a contract with not XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX number is XXXX also known as csf solutions. XXXX said account that I have no binding contract with is XXXX collections located at XXXX XXXX XXXX XXXX, MA. XXXX contact number is ( XXXX ) XXXX original creditor was XXXX XXXX demand these said accounts be removed from my credit report due to inaccuracies I have, nor had any association with the following third party businesses nor did I have a binding contract with the said stated third party businesses and they were not granted permission to any of my credit reports or credit files by me instead its was through the original creditors in attempt to collect a debt. By law they are not allowed to access or report any information pertaining to the original accounts without a binding contract these are third parties instead of the original creditors that I did have a contract with I demand these accounts be removed from my credit reports with all three credit bureaus experian, XXXX, and XXXX 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 2024-03-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I spoke with capital one and asked if they where willing to help me with a program they have or modify my loan I just started working I offered to pay but they no longer want payments they want the full amount know my situation I explained my situation when I did not have a job they where willing to help left and right even tho I wasnt able to make a payment so I fell behind {$8000.00} so now that I started working I asked them if there willing to take a payment because I want to keep the car. Its the only way I can get to work and take my children Take them to school and doctors appointment we need it and go grocery shopping. Capital told me that they wanted {$30000.00} or give it up will me so they can auction the car and then have to pay the remaining so I told him you guys are willing to help. I have no money on me programs but Im offering to pay so I can get caught up and youre not willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-12 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I purchased a club membership with BJ 's wholesale club on XXXX XXXX, using a coupon code to get the discounted charge of {$20.00}. I checked my credit card activity online ( Comenity Bread XXXX XXXX ) and saw that I was charged {$55.00}. I contacted BJ 's customer service on XX/XX/2024 and explained that I did not want the membership at that cost. I was told that the membership would be cancelled and the refund would be applied to Comenity Bread XXXX account within 2 I checked the BJ 'S website a few days later and saw that the BJ 's account showed as active. Once again, I contacted BJs customer service and was told that my account was being cancelled and to be patient about the refund. 

On XX/XX/XXXX, after not being credited on my credit card account for this cancelled membership, I contacted Comenity Bread XXXX customer service to start a dispute about this charge. Within a week, I received a letter from Comenity Bread XXXX that my dispute was being researched. 

After many emails and phone calls with BJ 's wholesale club, I filed a XXXX XXXX XXXX complaint against BJ 's, which so far has not resulted in my receiving the {$55.00} membership fee.

On

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-12 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: PA

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized. I have not applied for any credit or services from the creditor listed above and did not authorize any hard inquiries on my credit report. This inquiry is inaccurate and has a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I have hard inquiries on my credit report that I did not give them permission to run my credit. 

Also four accounts on my credit reports that I know nothing about. Two accounts on my credit twice for different amounts, in dates.The other two accounts I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: TN

Complaint narrative:
This complaint is in regards to MEDICAL DATA SYSTEMS. I am aware that this is a debt collections company I have received multiple phone calls from different numbers in regards to the collect of an alleged debt. This company has been Harassing me in violating my federal protections rights under the FDCPA. They have been causing emotional distress mental anguish as they have been calling me while I was at work constantly. I was unaware of the alleged debt they place on my consumer report. I did not have the opportunity to dispute the alleged debt, in it was furnished on my credit reports. As a result my character in reputation are being damaged per, 15 USC 1692D ( 1 ). This is a violation. I have both been harassed in my reputation has been damaged. If in fact you believe you gave me proper notice, than please send me the certificates receipt with my legal name and signature. This debt collection company is liable to me under 15 USC 1692K civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-12 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On Sunday XX/XX/XXXX I was advised that a legitimate purchase was declined. I called Citi and they said it was a computer glitch and I should have the vendor rerun it on Monday. They did. Declined again. Called and was now told it was " AI '' and " algorithms ''. However the same vendor charges me very similar amounts every week to ten days on the same card for the past three years. They ( Citi ) said they " fixed '' the problem. On Tuesday same amount same company- declined. This is hurting my business as the vendor is about to cut me off. 
Please investigate Citi

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