vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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: TX

Complaint narrative:
Dear XXXX, I am writing to bring to your immediate attention a matter of significant concern regarding my credit report, managed by your agency. Upon reviewing my credit report, I have identified several accounts that I believe have been reported in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 USC 1681, 15 USC 1681c ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). The accounts in question are as follows : XXXX XXXX - Account number : XXXX XXXX XXXX - Account number : XXXX XXXX - Account number : XXXX XXXX - Account number : XXXX XXXX XXXX  - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX - Account number : XXXX - XXXX XXXX XXXX XXXX These accounts have either been reported without my express written permission, contain inaccuracies, or include adverse information that is outdated and thus should not be part of my consumer report. In accordance with the FCRA, I am formally requesting the immediate deletion of these accounts from my credit report. This action is necessary to correct the inaccuracies within my report and to restore my rights to privacy and confidentiality as mandated by federal law. I have taken the steps to document these discrepancies thoroughly and expect a swift resolution to this matter. According to FCRA guidelines, I understand that you have a legal obligation to investigate this dispute and provide me with a response within 30 days. Please consider this letter a formal dispute notice, and I request that you initiate the investigation process immediately. I am prepared to take further action, including seeking legal counsel and filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), if these issues are not resolved promptly and satisfactorily. I appreciate your immediate attention to this urgent matter and expect to hear back from you with confirmation of the deletion of these accounts or, at the very least, an update on your investigation within the statutory timeframe. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: MI

Complaint narrative:
I received XXXX separate written notices from Resurgent Capital Services stating I owe two separate debts from XXXX XXXX XXXX XXXX, accounts ending in XXXX and XXXX. Per the letters both accounts originated in the year XXXX. Neither of the accounts belong to me ; furthermore, I believe the communications lacked the necessary information in an attempt to start communication therefore they can activate the ability to try to collect on these alleged debts that are almost XXXX XXXX XXXX. On XX/XX/XXXX I sent a certified letter because Resurgent 's agency sent information that lacked what is needed to validate two accounts being handled by XXXX XXXX XXXX XXXX. I sent certified mail to Resurgent 's disputing accounts represented by XXXX XXXX XXXXXXXX and now some how they are now sending this letter stating I am disputing the above mentioned XXXX accounts. The letter was very clear which accounts I was questioning. I never contacted this company about any XXXX accounts because I do not own these accounts. XXXX XXXX XXXXXXXX gave this company my contact information and now they are trying to collect on accounts over XXXX decades old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an American Express Gift card for {$1000.00}. On XX/XX/XXXX I was in the XXXX XXXX in Vermont where I drove up 5 hours from my home to purposely use the card for a weekend trip. When checking out, they accepted the card, but American Express would not relinquish the funds even though I called American Express they verified there was {$1000.00} on the card but would not allow me to use it there. I was in the lobby of the hotel 45 minutes on the phone with them and their answered to me was go use it someplace else. when I got home after having to pay on a credit card I called again and I was told I can only speak to XXXX even though many times I asked for a representative in the United States, hoping that they could help me better. They just continued to tell me American Express. Gift cards are only handled through XXXX. I spent about three hours the next couple of days calling and calling, trying to get this situation rectified and the only answer I keep getting is to use the card someplace else. So at this point I still have {$1000.00} gift card that I got as a gift purposely for my trip. Customer service was atrocious. Many times they put me on hold while I asked for a manager, and then they disconnected me and I had to start all over again. This is no way to treat a consumer using their product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I placed an order with XXXX for {$210.00} i never received my order i called XXXX they said they wouldnt help so i filed a dispute with my Goldman Sachss Apple credit card and they denied my dispute Im really dishearten by this because Im losing twice i dont have my order and they want me to pay this really isnt right i pay all my bills on time and my credit card company is on the credit card side i filed a police report and everything like this is insane

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
This issue is with PayPal. I returned the item per their request and they are denying the case

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm desperately appealing for the removal of this mixed up late installment from my record. My predictable history of opportune installments goes against this section, which is causing me pointless. I encourage you to address this blunder by refreshing my record quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm desperately appealing for the removal of this mixed up late installment from my record. My predictable history of opportune installments goes against this section, which is causing me pointless. I encourage you to address this blunder by refreshing my record quickly.

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 2024-02-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
my credit card was charged for a service I did not receive. The credit card company refunded the money to my card, and later went a did a credit reversal after I had already expressed that fraud on my card. I spoke with multiple representatives and the issue was supposed to be resolved, but it never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Fig Tech Inc.
State: FL

Complaint narrative:
The loan was for the amount of {$100.00}. I made a payment and my account was never updated. I have tried to reach out to someone multiple times regarding the issue but I never got the proper help regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
1. Citizens neglected to maintain accurate records of my account and RMA ( XX/XX/XXXX letter from Citizens lawyer XXXX vs data on my 3rd RMA application ) 2. Citizens repeatedly attempted to conceal this negligence by consistently willful dilatory tactics since XXXX, and providing misleading and false information to me ( XXXX ), XXXX representatives XXXX XXXX XXXX ), the CFPB ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) and the XXXX XXXX of the Attorney General ( cc 'd on XX/XX/XXXX ). 

3. Citizens continues to engage in bad faith negotiations, not only through the past 18 months but most recently by offering an unfair settlement agreement on XX/XX/XXXX that demanded my compliance before XX/XX/XXXX and then refusing to respond to my timely reply ( XX/XX/XXXX ), follow up ( XX/XX/XXXX ) or provide the paperwork in a timely manner for review as there are now only 3 days before their self-imposed deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
About a month ago, I was alerted by my credit monitoring service, XXXX, along with a few others, due to some fraudulent activities and the leaking of my information to the dark web. In response to this, I contacted Credit Collection Services through a dispute on XXXX to inquire about their identity and the specifics of the debt they claimed I owed. Despite my request for information, they failed to reply and subsequently reported a late payment fee on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm desperately appealing for the removal of this mixed up late installment from my record. My predictable history of opportune installments goes against this section, which is causing me pointless. I encourage you to address this blunder by refreshing my record quickly.

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 2024-02-26 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: CT

Complaint narrative:
I am writing to formally file a complaint against TransUnion concerning their failure to address the inaccuracies on my credit report, despite my efforts to rectify the situation. 

On XX/XX/XXXX, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. These inaccuracies have adversely affected my financial standing and credibility. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, TransUnion has failed to acknowledge or act upon my dispute within the legally mandated timeframe. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, TransUnion 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/XXXX stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to TransUnion, along with XXXX response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report. 


I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines.

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 2024-02-26 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I received a report from XXXX credit agency that a hard inquiries was reported on my credit report from Barclay Bank that i did not do

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 2024-02-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.

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 2024-02-26 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: NC

Complaint narrative:
These inquiries are not approved by me and there are no authorization by me. I demand their prompt expulsion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: MA

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Experian, I am writing to dispute several unauthorized hard inquiries listed on my credit report, which I believe to be inaccuracies, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ). Upon reviewing my credit report, I noticed multiple hard inquiries that I did not authorize nor are they associated with any accounts on my credit report. These inquiries are inaccurately affecting my credit score, and I request an investigation into these items with the expectation that they will be removed from my report. 

Below are the details of the unauthorized hard inquiries : XXXX XXXX XXXX  XXXX -Dated XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XXXX Bank Credit Cards - Dated XX/XX/XXXX XXXX XXXX - Personal Loan Companies - Dated XX/XX/XXXX XXXX XXXX XXXX XXXX - Credit Unions - Dated XX/XX/XXXX XXXX XXXX XXXX- All Banks - Dated XX/XX/XXXX I affirm that I did not authorize these inquiries and have no knowledge of them. As mandated by the FCRA, I request that you conduct an investigation within 30 days of receipt of this letter to verify these inquiries. If these inquiries can not be verified as authorized by me, they should be removed immediately from my credit report as per the FCRA requirements. 

Please inform me of the outcome of your investigation because this is of utmost importance. 

I appreciate your immediate attention to this matter. Should you need any further information from me, please do not hesitate to contact me at XXXX. 

Thank you for your cooperation. 

Sincerely, 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 2024-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Roadrunner Account Services, LLC
State: TX

Complaint narrative:
I wanted to clarify a debt on my credit that is wrongfully listed, which i am trying to remove. Ive attached the police report and license plate for documentation of the wrongfully listed debt. The debt is for a motorcycle that I was leasing to own ( XXXX XXXX ) which was stolen from my current residence on XX/XX/XXXX. The motorcycle was found a month later, which was NOT informed to me from the XXXX Police Department until nearly 60 days after the report was made. Within those 60 days of the motorcycle being found, the motorcycle collected storage impound fees that couldn't be reimbursed nor paid by the XXXX Police Department or my current apartment residence, considering the security negligence of the broken surveillance cameras and broken entrance and exit gates to the apartment building

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some 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 explanation