vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
On XX/XX/year>, I had the screens of my XXXX XXXX and XXXX  XXXX replaced. However, the merchant at XXXX XXXX damaged them during the process. The screen on my XXXX XXXX was unresponsive unless I used the XXXX, and my PIN on XXXX was altered, rendering me unable to access my phone. Additionally, my XXXX was missing from both phones, and they stated they couldn't locate them. Merchant claim to use genuine parts when in reality they replace with aftermarket screens. 
After numerous attempts to call the store, I texted the owner on XX/XX/year>, XXXX, who had promised a refund. When I followed up on my refund, I found out that I had been blocked. Although the merchant had agreed to issue a refund via Acima, he failed to communicate with them until XX/XX/year>, which was after his 90-day warranty had lapsed, leading to an increase in the early payoff amount. Acima stated that they cancelled the lease during the dispute process and would refund what I had already paid and cancel the lease. However, they have yet to take any action, and they have now sent the matter to the collections department

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TX

Complaint narrative:
On XX/XX/year>, I made Experian, aware of the misleading and inaccurate collection account alleging a debt in the amount of {$10000.00} they are reporting on my credit report. Ive requested Experian and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. it has been well over 30 days for Experian to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit report, immediately by the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. Experian has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) TransUnion in violation of FCRA and if they fail to comply and delete this information from my credit report, they must be held liable per 15 usc 1681n

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 2024-10-22 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: OH

Complaint narrative:
I recently obtain a copy of my credit report and notice XXXX XXXX account # XXXX is reporting a lot of inaccuracies. Under the Fair Reporting Act, I am entitled to dispute any information that I believe is inaccurate or incomplete. I kindly request that you conduct a thorough investigation into this matter and provide me with the results of your investigation as soon as possible. 

I appreciate your attention to this matter and looking forward to your prompt response.

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 2024-10-22 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: OH

Complaint narrative:
I recently obtain a copy of my credit report and notice XXXX XXXX account # XXXX is reporting a lot of inaccuracies. Under the Fair Reporting Act, I am entitled to dispute any information that I believe is inaccurate or incomplete. I kindly request that you conduct a thorough investigation into this matter and provide me with the results of your investigation as soon as possible. 

I appreciate your attention to this matter and looking forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: IL

Complaint narrative:
I am requesting your support with this incorrect account on my credit report, which has been hurting my reputation as a customer. I need your help to remove these accounts because they have been reported incorrectly and negatively.

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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
Date of Fraudulent Transaction on my Bank Account : XX/XX/year> Company : XXXX, XXXX XXXX XXXX XXXX XXXX Phone : XXXX Unauthorized amount pulled from my Bank Account : {$84.00} I notified my bank as soon as I received a call from their security department.

Sent a dispute notification to the bank. They just responded that they could not accept my dispute. So, I called XXXX and they had no record of the charge.

I want my bank First Tech to credit my account as this is a fraudulent charge. 
I never authorized 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 2024-10-23 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: LA

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and inconsistent reporting of a collection account from XXXX, which has been placed on my credit report by XXXX, XXXX, and Equifax. Below are the specific details of the account, along with the identified discrepancies. 

Account Information : Account Number : XXXX Original Creditor : XXXX XXXX Owed : {$270.00} Creditor Type : Collection services/ Other Collection Agencies Date Opened : XX/XX/2024 Date Closed : Conflicting information ( XX/XX/2024 in XXXX XXXX XX/XX/2024 in XXXX, XX/XX/2024 in Equifax XXXX Payment Status : Seriously past due/ assigned to collection agency Dispute Status : Account not disputed ( despite attempts to dispute with all three bureaus ) Inaccuracies Across Credit Bureaus XXXX Conflicting Dates of Last Activity : XXXX XXXX the last activity on XX/XX/2024, while XXXX XXXX XX/XX/2024. Equifax incorrectly lists the last activity as XX/XX/2024, which is in the future and clearly an error. 
These inconsistencies raise questions about the accuracy of reporting and the legitimacy of the account 's status on each report. 
Inconsistent Closing Dates : XXXX lists the closed date as XX/XX/2024, while XXXX shows the account closed on XX/XX/2024, and Equifax lists XX/XX/2024, which is not only inconsistent but also in the future, making it factually impossible. 
Inconsistent Payment Status : XXXX lists the status as " Seriously past due/ assigned to attorney, collection agency, or credit grantor 's internal collection department. '' XXXX and Equifax simply mark the payment status as " Unpaid, '' which is inconsistent with the more severe description on XXXX. 
Unreported Two-Year Payment History : None of the bureaus are reporting a payment history for this account, which raises doubts about the completeness of the information reported. 
Dispute Status Error : Despite my efforts to dispute this account, all three credit bureaus have listed the account as " not disputed. '' This misrepresentation undermines my right under the Fair Credit Reporting Act ( FCRA ) to challenge inaccurate or outdated information. 

I have made multiple attempts to dispute this account directly with the credit bureaus, but no corrective actions have been taken. If these inaccuracies are not immediately resolved and the negative item removed, I intend to pursue legal action to enforce my rights under the FCRA. 

I request that the CFPB take immediate action to investigate these inaccuracies and ensure that my credit report is corrected promptly. I have attached supporting documents, including copies of my credit reports from all three bureaus and evidence of prior disputes, to assist with your investigation. 

Thank you for your attention to this matter. I trust that this will be resolved swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: IL

Complaint narrative:
I am requesting your support with this incorrect account on my credit report, which has been hurting my reputation as a customer. I need your help to remove these accounts because they have been reported incorrectly and negatively.

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 2024-10-22 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: IL

Complaint narrative:
This inquiry was made without my consent, and I did not engage with this lender on the given date.

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 2024-10-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This inquiry was made without my consent, and I did not engage with this lender on the given date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: IL

Complaint narrative:
XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 Secured Loan opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All 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 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 explanation
Consumer complaint received 2024-10-23 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: NC

Complaint narrative:
I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$640.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries 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, collections, or hard inquiries 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 # ( private case number ) 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 explanation
Consumer complaint received 2024-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/year> I found out that Capital one change my Walmart credit to Silver Credit without prior knowledge. I did not receive notice nor a Silver card. They claimed they sent a notice but I never received any notice. Then I was hunged up by customer service because I requested a supervisor in this matter Another issue XX/XX/year> I called Capital one platinum card. I sent money to my account on the XXXX. I was upset that they did not clear it after I made a payment towards the card transferring from my checking account. I called customer service requesting for a supervisor and he hung up the phone on me. Because I requested a supervisor. Then a payment came in that is due on XXXX however Capital one platinum put it through but did not put through my payment on the XXXX. 

I find that Capital one customer service is not transferring calls to a supervisor refusing to resolve issues for a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
There was an unauthorized charge on my American Express gift card. 

purchase date : XX/XX/year> Amount : {$500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDR THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGLEHARDT V GRAVENS ( MO ) 281 SE 715 719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT IS MINE. PLEASE REMOVE THESE FRAUDLENT INQURIES FROM MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was victimized by a lottery type scam ( PCH prize patrol impersonators who were to pay off all my credit cards and persuade me to use my cash advance features to gather XXXX dollars in cash for up front fees to insure a XXXX cashier 's check to come to my door from XXXX. The accounts they used to pay off my debts belonged to other victims of this scam. The full balance payments bounced and Target Red Card Services ONLY HAS A DISPUTE DEPT-INSTEAD OF FRAUD. THE REPS WERE FROM XXXX AND OTHER COUNTRIES. SOME LIED AND SAID THERE WAS A FRAUD DEPT. OTHERS SAID I WOULD HAVE TO USE VENDOR TRANSACTION DISPUTES FOR THE FRAUDULENT PAYMENTS WHICH WERE NOT CHARGES TO A VENDOR MERCHANT. INSTEAD OF EXPEDITING AND REVERSING LATE FEES- ( THEY WOULD NOT ALLOW ME TO MAKE A PAYMENT WHILE THE FRAUDULENT FULL BALANCE PAYMENTS WERE STILL PROCESSING AND NEVER UNDERSTOOD WHAT I WAS TRYING TO TELL THEM. ONE FOREIGN REP ASKED ME 5 TIMES IF I WAS CALLING ABOUT A CRDDIT OR DEBIT CARD. TARGET HAS MISCLASSIFIED MY ACCOUNT AS REVOKED FOR LATE OR BAD CREDIT AND THEY SHOULD HAVE IMMEDIATELY RESOLVED THIS AND WAIVED THE LATE FEES AS A COMMON COURTESY. 
THEY TOLD ME IT WAS NOT FRAUD. 
I CONTEST THIS AND WILL REPORT TO THE BETTER BUSINESS BUREAU THAT TARGET MISREPRESENTS THEIR CREDIT CARD 'S SECURITY AND INTEGRITY OF PRIVACY PROTECTION AND HAVE FOUND PERSISTENT DISCREPENCIES IN THE AUTOMATED TELEPHONE PAYMENT CENTER. I AM ALSO SEEING HIDDEN fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-23 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: GA

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and 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 2024-10-22 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:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/year> - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-22 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: GA

Complaint narrative:
upon reviewing my credit there are inquires that are made without my permission this is not correct and fraud i never applied for any credit with any of these companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-10-23 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: GA

Complaint narrative:
There seems to be an identity theft going on my Transunion credit report as someone tried to apply for a credit card with the name XXXX XXXX on XX/XX/2024 without my consent or knowledge

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