vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
Accounts closed, written off sold without permission. Requesting 10-99 for tax purposes Verification of this accounts validity under the Fair Credit Reporting Act ( FCRA ).

2. Any associated documentation, such as signed agreements, payment history, and supporting income reports, including but not limited to IRS Form 1099 if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
CFPB HAS NOT INVESTIGATED ANY OF MY COMPLAINTS ON THEM LETTING THE THREE BUREAUS GET AWAY WITH HARMFUL BAD BUSINESS PRACTICES FOR ALONG TIME. THIS NEEDS TO BE ADDRESSED ASAP. I FILED A COMPLAINT ON CFPB TO FTC ALREADY, AND WILL FILE ANOTHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Google Compare Credit Cards Inc.
State: NV

Complaint narrative:
XXXX credit breach my personal information was leaked online by th credit bureau and I purchased online credit protection that didn't help me keep my identity safe there has been a lot of loans and personal credit cards obtained in my name that I didn't receive or order XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX  and auto loan was taken out with a car dealership in California im a true victim of identity theft and seem to no get any assistance with the route I'm taken. I we told squeaky wheel gets the grease!

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
XXXX credit breach my personal information was leaked online by th credit bureau and I purchased online credit protection that didn't help me keep my identity safe there has been a lot of loans and personal credit cards obtained in my name that I didn't receive or order XXXX XXXX XXXX XXXX, TD bank with target credit card and auto loan was taken out with a car dealership in California im a true victim of identity theft and seem to no get any assistance with the route I'm taken. I we told squeaky wheel gets the grease!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 XXXX 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 collections account opened at XXXX XXXX XXXXXXXX, XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. 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 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 2024-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the recent communications I have received from your organization, which I believe are in direct violation of Section 605B. Your persistent contact, despite my explicit requests to cease, is not only unwarranted but also unacceptable. 

On XX/XX/year>, I made it clear that I do not wish to receive any further correspondence from your company. However, I have continued to receive correspondence that is intrusive and harassing in nature. This behavior is not only a violation of my rights under Section 605B but also reflects poorly on your organizations ethical standards.

I demand that you immediately cease all forms of communication with me. Furthermore, I expect a written confirmation that my request has been honored. Failure to comply with this demand will leave me with no choice but to escalate this matter to the appropriate authorities and seek legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I originally signed up for the credit card on XXXX XXXX website to receive free bags. On the site I saw no indication of an annual fee. I specifically avoid cards with anual fees. 

I used the card once and it was paid off, after that I haven't recieved statements in the mail for a {$0.00} balance card. It was my assumption that the card continued to be XXXX balance otherwise I would have received a statement. Citi started to call me and let me know that I owed them the annual fee, the late fee, and interest. I asked if it could be refunded and I was told I needed to be transferred. 

Citi transferred me to a phone line that was telling me that I won a promo and was eligible for a free medical alert device. I initially thought this was Citi and began speaking with XXXX who was telling me about the free medical alert device. During our conversation I realized it was a scam and hung up and called Citi back. 

Citi acknowledged I was on the line and that they did transfer me. The second time they tried to transfer me I was sent to an actual City agent and not a scam. They told me that the timeline is outside of when they can get rid of the annual fee. 

I believe that Citi intentionally waits to provide notice to their customers of an overdue balance for the late fee until they are outside of their policy refund section. Furthermore I believe that City is intentionally making it hard to identify that there is an annual fee. The supervisor I spoke to went so far as to state that nobody reads terms and disclosures acknowledging that if they are there that they are intended to be in a place they are missed. 

The annual fee is {$99.00}, I believe the late fee was already refunded, but I do not have the interest. They claim it was sent, but I did not receive any statements. They stated they do not have any tracking or any proof it was sent besides the system saying it was sent. I do not believe the statement was sent, maybe it fell on the floor in the mail room or something. 

I do not have any documents because I have not received anything. Citi should have the recordings and the transfer log where they transferred me to what seemed like an identity theft hotline. 

I am diligent when signing up for a new credit card to avoid annual fees. If it was easy to spot I wouldn't have signed up for this card, I am also disgusted that Citi would transfer a customer to a line that reeks of being a scam. If this happened to someone over the age of XXXX they likely would have had their identity stolen, because I called Citi I trusted that I was still talking to 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 monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
Wrong dates wrong amount Repeating emails from halstead and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This company is calling me and wanting to talk with me about a debt they say I owe. However, they have not provided me with any validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: NC

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the late payments reported on my credit account referenced above. The payment history reflects 30-day and 60-day late payments as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and other dates. I believe these entries are inaccurate and incomplete under the Fair Credit Reporting Act ( FCRA ). 

I am requesting the following : XXXX. Validation of the Late Payments : Please provide documentation verifying the accuracy of the late payment reporting, including specific dates of payments and account statements. 
XXXX. Correction or Removal : If you can not fully verify the accuracy of this information, I kindly request that you remove these late payment notations from my credit reports. 

As you know, under the FCRA, inaccurate, incomplete, or unverifiable information must be corrected or deleted from my credit file within 30 days. Failure to comply with this legal requirement may result in further action. 

Please provide a written response within 30 days confirming the removal or validation of these late

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 2024-12-15 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: NC

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the late payments reported on my credit account referenced above. The payment history reflects 30-day and 60-day late payments as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and other dates. I believe these entries are inaccurate and incomplete under the Fair Credit Reporting Act ( FCRA ). 

I am requesting the following : XXXX. Validation of the Late Payments : Please provide documentation verifying the accuracy of the late payment reporting, including specific dates of payments and account statements. 
XXXX. Correction or Removal : If you can not fully verify the accuracy of this information, I kindly request that you remove these late payment notations from my credit reports. 

As you know, under the FCRA, inaccurate, incomplete, or unverifiable information must be corrected or deleted from my credit file within 30 days. Failure to comply with this legal requirement may result in further action. 

Please provide a written response within 30 days confirming the removal or validation of these late

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 2024-12-15 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: CA

Complaint narrative:
Subject : Dispute of XXXX XXXX XXXX XXXX  Account Under FCRA To Whom It May Concern, I am writing to dispute the collection account reported by XXXX XXXX XXXX XXXX on my Equifax credit report. Based on my investigation through the XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX is not licensed to collect debts in the state of California. As such, the reporting of this account is both inaccurate and unlawful. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to ensure the maximum possible accuracy of the information contained in consumer reports. Reporting a collection account from an unlicensed entity that is prohibited from collecting debts in California fails to meet this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or unverifiable information, which obligates Equifax to investigate and remove such information from my credit report if it can not be verified. 

Details of the Disputed Account Account Name : XXXX XXXX XXXX XXXX Amount Alleged Owed : {$1400.00} Actions Requested Investigate License Status : Verify through the XXXX XXXX XXXX XXXX and the California Department of Financial Protection and Innovation that XXXX XXXX XXXX XXXX is not licensed to operate in California. 

Remove the Inaccurate Entry : Permanently delete this collection account from my credit report as the entity has no legal authority to collect debts in my state. 

Provide Written Confirmation : Send me a written response confirming the removal of this account and provide an updated copy of my credit report reflecting the correction. 
Enclosed are the following documents to support my dispute : A copy of my credit report highlighting the XXXX XXXX XXXX XXXX account. 
Documentation from the XXXX XXXX XXXX XXXX confirming that XXXX XXXX XXXX XXXX is not licensed to collect in California. 

Equifax must complete this investigation and respond within the 30-day timeframe required under the FCRA. Failure to comply with these obligations will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am writing to formally dispute the recent communications I have received from your organization, which I believe are in direct violation of Section 605B. Your persistent contact, despite my explicit requests to cease, is not only unwarranted but also unacceptable. On XX/XX/year>, I made it clear that I do not wish to receive any further correspondence from your company. However, I have continued to receive correspondence that is intrusive and harassing in nature. This behavior is not only a violation of my rights under Section 605B but also reflects poorly on your organizations ethical standards. I demand that you immediately cease all forms of communication with me. Furthermore, I expect a written confirmation that my request has been honored. Failure to comply with this demand will leave me with no choice but to escalate this matter to the appropriate authorities and seek legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: SC

Complaint narrative:
I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I am writing to file a complaint against UPGRADE, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, for failing to provide me with the B-Copy of my 1099-C form for the tax years XXXX and XXXX. I have made several attempts to obtain this document, which is essential for accurately reporting my income to the IRS. The 1099-C form reflects cancellation of debt and is crucial for my tax reporting obligations. Without this document, I am unable to properly report my income, which may result in negative financial consequences for me. Despite reaching out to UPGRADE INC on many attempts, I have yet to receive the required B-Copy of my 1099-C form. I was informed that the document would be sent by email, but as of today, XXXX, I have not received it. This lack of response is causing me significant distress as it jeopardizes my ability to fulfill my tax obligations accurately and timely. I believe this to be a violation of my rights as a consumer, as I am entitled to receive all necessary documentation related to my financial dealings with UPGGRADE INC. I respectfully request that the CFPB investigate this matter and assist in ensuring that I receive my B-Copy of the 1099-C form as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I've had a store credit card with XXXX XXXX for over ten years. I have NEVER made a late payment or missed any payments on this account, whatsoever. Over the past summer, this account was absorbed by Synchrony Bank. My due date for my credit card payment has always been the XXXX of each month since I've had it ; it remained due on the XXXX after the account was transferred from XXXX XXXX to Synchrony. For reasons unknown to me, as of this month, Synchrony suddenly changed my payment due date to the XXXX of the month without notifying me of this change. Therefore, when I signed onto their website on XX/XX/year> to make my normal payment, I was alerted that I had been charged a {$41.00} late fee, even though I had not been notified of the due date change. As you can see from the attachments, my due date in XXXX was XXXX, then it changed to XX/XX/year> for the XXXX statement. After much debate, an alleged supervisor named XXXX first said there was no changed to the due date, then admitted the due date was changed. She even confirmed I was not notified, however, she did not remove the erroneous late fee. The company will either remove this charge immediately, or I'll take the matter to court, I'm that angry. I have done nothing wrong here. This company has no right to change a due date without informing me and I will not a pay a bogus fee due to their malfeasance.

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