vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NM

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: AL

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

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 2024-06-20 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: AZ

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CRESCO CAPITAL INC.
State: GA

Complaint narrative:
I have a lease agreement with Lone Mountain Cresco Capital Inc, lease # XXXX since XXXX. I missed my payment due to some hardship which i was in communcation with them. However, I told them I will be able to make payment on XX/XX/XXXX but they wanted me to make the payment on the XX/XX/XXXX but did not have money on Friday and I told them. On the XX/XX/XXXX that I was going to make the payment, I called and emailed Lone Mountain Cresco Capital Inc, but nobody answered me. On the same day monday XX/XX/XXXX the truck was toll out from the shop where it was getting fix and my machenic called me to inform me. I called Lone Mountain Cresco Capital Inc and was told I have 10 days to send my final payment but they did not send me my fianl bill and no one is answerring when I called and emailed to verify the final bill. It have been XXXX  days today since they sent me the termination email. On XX/XX/XXXX, I got a call from Lone Mountain Cresco Capital Inc that, they will not give me back the truck and I need to come get my personal items that was in the truck ( VIN : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received my SS check on XX/XX/year>, in the amount of {$2100.00}. On the same day my boyfriend deposited a third party check in the amount {$4500.00}. Now, I understand that they need time to clear those funds, but meanwhile they are holding my SS funds also. I live from Paycheck to paycheck and get paid once a month! this is causing a lot of problems and putting undue strss on me. This isn't good for my health. 

Right now I'm late on XXXX bills. I want Capital one to pay these late fees and clear my name with all XXXX Credit Bureaus. I can not afford to have any more marks against me on my credit report. Plus, I have XXXX payday loans that can't get paid and that is making me look uncredit worthy!! This is a nightmare! 

I have called them and they don't care, they have to investigate and they can't even tell me how long it will be!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/year> I sent a {$500.00} transaction to woman for concert tickets that I never received. I opened a claim on XX/XX/year>, with a Zelle XXXX for fraud and scam but later found out that the XXXX assigned to my case closed it on the same day it was opened stating that " transactions were properly done, no faults found ''. It was never mentioned anywhere about reaching out to me or the person to determine the charges. XXXX then told me they sent a request to her bank to retrieve the {$500.00} but it did not sound too confident. I followed up on XX/XX/year> and XX/XX/year> from XXXX and they stated they are unable to help any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ChasXXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-06-20 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: FL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA XXXX. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX I requested an electronic transfer of funds from my checking account with Capital one, in the amount of {$250.00} to be transferred to XXXX XXXX XXXX. I input all of the information requested by Capitalone to create an online payment ( my XXXX account number, amount to be transferred, date ). 
This amount was to cover the premium for 2 months of coverage, and it was due by the XX/XX/year> so that my policy was not cancelled. 
On or around XX/XX/year>, XXXX contacted me and reminded me that my insurance monthly premiums were still unpaid. I had to complete this payment of {$250.00} again to XXXX. 
I first asked Capital One to investigate this on or around XX/XX/year>, and their response on XX/XX/year> was that it was a valid transaction. I contacted XXXX again, and they looked into it on their end, again with a response that the original funds sent by Capital one were not received. 
I asked Capital One to investigate this XXXX more times over the last XXXX months, and they have taken 8 days to return the same answer, that the transfer was valid and received by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: IL

Complaint narrative:
Had a XXXX performed and never received the bills for service performed. Contacted provider about why we never received a bill. They had the wrong mailing address and sent the bills there. We were unaware that there were bills that needed to be paid until contacted by a collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This in in reference to Capital One Savor care # XXXX XXXX XXXX XXXX issued to XXXX XXXX. On or before XXXX XXXX, XXXX I responded to an email promotional offer of an 11 month interest free balance transfer. On XXXX XXXX, XXXX the amount of {$6000.00} was transferred from my account with my understanding that if I made the minimum monthly payments that the amount transferred would accrue no interest for a period of 11 months. So I marked XXXX XXXX, XXXX on my calendar for the payoff date. However on XXXX. XXXX, XXXX I received an email from Capital One that stated the interest free promotion would end on XX/XX/XXXX. Having made all of my payment on time and in excess of the minimum required I contacted Capital One about the discrepancy and after several phone transfers I was told that the could not or would not furnish the email stating the promotional offer but was told on the phone that it clearly stated the the promo offer would expire on XXXX XXXX. Now to me that inferred that while the offer would expire on that date, the offer was still valid until the offer expired. While I have in my budget the moneys to pay the remaining balance transfer amount on the expected date of XXXX XXXX in full, having to pay 2 months in advance will make it difficult to prevent having to pay the 29.24 % interest for the 2 months that I feel was entitled to. FYI I am retired, XXXX XXXX XXXX and living on a fixed income. Thanks for any Heip. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-20 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreements to show full ownership of such accounts and also other documents so I may review to see if the accounts actually belong to me. Only I can verify if an account belongs to me. According to 15 U.S.C. 1681 Law, there should not be damages on my credit report as it is a deformation of my character. This has left me distressed, emotionally wrecked, and financially burdened. These companies are violating my consumer rights to privacy as they had no permission from me to report anything using my personal information pursuant to 15 U.S.C 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On Friday, XX/XX/year>, I received a communication from Citi regarding my credit limit being lowered significantly ( $ XXXX less ). Allegedly, this was due to a review of XXXX. This is not the first time that Citi has done this to me. Rather than being at about XXXX  % utilization, I now am at XXXX  %. Interest will make me over limit. 

I am requesting the following : XXXX Financial compensation in the amount of {$1000.00} by way of interest charge credits. I need to have more available credit and the sudden and drastic decrease is going to very negatively impact my credit score. 2- Going forward, I would like Citi to ask me if I want credit line increases, rather than giving them and snatching them away randomly. I'd like to provide consent for an increase so that they can not pick and and choose when to destroy my credit score. No other credit card that I have ever had has done this and it feels very unethical to make such sudden and drastic changes that so greatly impact customers.

This has happened before, and Citi provided an interest credit. I am asking for the same, however more than one month 's worth. Previously, I did not notify the CFPB but because this is a repeat incident without a worthy explanation from Citi, this should be reported.

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 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reliant Capital Solutions, LLC
State: MI

Complaint narrative:
Credit reported I owe XXXX to reliant capital never owed this company never signed a contract authorizing the use of credit reporting or inquiry. Never owed a debt to this company. Falsely reporting to my credit impacting my score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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:
I AM A VICTIM OF FRAUD AND XX/XX/XXXX I RECEIVED AN EMAIL STATING THAT MY XXXX LOANS WERE ALL FORGIVEN AND XXXX AND WILL BE REPORTED TO ALL XXXX CREDIT BUREAUS AND PAID AND CLOSED I SENT OVER THIS DOCUMENT BUT THE CREDIT BUREAUS REFUSE TO UPDATE THIS ON MY CREDIT REPORT. THESE XXXX  LOANS ARE CURRENTLY REPORTING AS DEFERRED AND IN CAUSING MY DTI TO BE EXTREMELY HIGH. THERE ARE XXXX XXXX  LOANS ( XXXX ) THAT NEED TO BE UPDATED.

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 2024-06-20 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:
I AM A VICTIM OF FRAUD AND XX/XX/XXXX I RECEIVED AN EMAIL STATING THAT MY XXXX  LOANS WERE ALL FORGIVEN AND XXXX AND WILL BE REPORTED TO ALL XXXX CREDIT BUREAUS AND PAID AND CLOSED I SENT OVER THIS DOCUMENT BUT THE CREDIT BUREAUS REFUSE TO UPDATE THIS ON MY CREDIT REPORT. THESE XXXX  LOANS ARE CURRENTLY REPORTING AS DEFERRED AND IN CAUSING MY DTI TO BE EXTREMELY HIGH. THERE ARE XXXX XXXX  LOANS ( XXXX ) THAT NEED TO BE UPDATED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: NJ

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-20 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:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief