vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX fraudulent charges were made by a company on an island in XXXX XXXX with my card information and Capital one is refusing to help me, abide by their policy or credit me for the unauthorized transaction. 

XX/XX/XXXX I visited the island for a scooter rental listed as {$25.00} per day each by the business. I agreed to a total charge of {$50.00} for XXXX scooters for the day. I signed for the scooters and proceeded with my rentals. 

I was not notified by Capital one of the transactions and was told by the merchant the {$50.00} transaction would take a moment due to bad signal. 

Later I noticed XXXX transactions that were unauthorized and fraudulent. 

One being : {$120.00} from XXXX XXXX XXXX and the second being {$170.00} from XXXX which cleared on the XXXX I called capital one that night at XXXX XXXX requesting the card be deactivated and a dispute opened. They said they cant help until the charges clear completely. 

I then proceeded to call again on XX/XX/XXXX at XXXX XXXX Capital one still didnt deactivate my card but they agreed to open a fraud investigation. 

I then was emailed a letter for fraud acknowledgment saying they would investigate. 

On XX/XX/XXXX Capital one claimed it was resolved. Stating their policy I will not be held liable for unauthorized transactions. 

We understand that experiencing fraud can be stressful and inconvenient. We're sorry you've had to go through this. As part of our {$0.00} liability promise on unauthorized purchases, you weren't held responsible for any unauthorized charges Then they sent another one Information we discovered leads us to believe you or another account user benefitted from the transactions. 
Since there's insufficient evidence of fraud, you're responsible for the charges listed below. 

Im not sure how me or another user on my account can benefit from unauthorized fraudulent purchases? I called capital one to dispute this after the fact, again, XX/XX/XXXX at XXXX XXXX and they also refused to help then. The first customer service rep stated that if someone uses your card information at a business after you leave to make transactions without your permission its not considered fraud or unauthorized Which literally goes against the policy listed above. I want the company held liable for lying to consumers, violating policy and refusing to help with fraudulent card purchases using their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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:
I looked at my report on XX/XX/2024 and noticed something's are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX  XXXX is not complete and accurate. 

XXXX XXXX XXXX showing 100 % paid but still reporting negatively, closed account date is not reporting correctly, last activity is not reporting correctly, Times/days late incorrect, months reviewed incorrect, payment history incorrect, this account is not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: MI

Complaint narrative:
I have attempted numerous times to resolve this matter from 2019 with no avail disputed the amount t several times but have never been sent accurate verification of accountg amount owed i have also never been offered a settlement this account is hindering my home buying process every time this debt is purchased by a new collection angency it reports as new on my reports and drops my score please help me to fix this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: WI

Complaint narrative:
After several attempts to get this charge off removed from my credit report I have to file a complaint due to the fact that Equifax is failing to remove this item from my report. They are reporting a charge off from XXXX XXXX XXXX account number XXXX in the amount of {$30000.00}. 

According to the IRS publication 4681, if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the 1099-c form. The IRS treats a cancelled debt as income, and you will need to report it on your tax return. Income can not be reported on your credit report as a debt owed. 

This is also In direct violation of my privacy and rights according to the Violation of Privacy Act of 1974. 

Must I include that it is illegal to report trans action history according to 15 usc 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC
State: AR

Complaint narrative:
I was under the impression that I was paying {$55.00} a month for a used washing machine. They are taking {$55.00} out of every paycheck. I also purchased a warranty. Apparently the washing machine I will end up paying {$1500.00} is only worth {$280.00}. Discounted appliances in XXXX Arkansas will not replace the broken washing machine they sold me nor will they honor the warranty I purchased in their store. Ive had no luck contacting the store or the warranty people so this is all an apparent scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: TN

Complaint narrative:
On XX/XX/XXXX, I checked my credit report because I was denied a house and noticed fraudulent activity on my credit report. I immediately went to the local police dept to submit an identity theft report. According to XXXX XXXX XXXX 1997, credit reporting agencies are supposed to ensure the maximum possible accuracy. After becoming aware of the fraudulent accounts, I sent a letter out to Experian with a copy of the police report attached and asked to remove these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Subject : Dispute of Unlawful Reports on My Credit Report Dear [ Credit Bureau ], I am writing to dispute certain items on my credit report that I believe to be inaccurate and unlawful. Upon reviewing my credit report, I noticed discrepancies that are negatively impacting my creditworthiness. 

I request that you investigate these discrepancies and remove any inaccurate information from my credit report as soon as possible, in accordance with the Fair Credit Reporting Act. Additionally, I would like to receive a copy of my updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: Consumer Adjustment Company Incorporated
State: NJ

Complaint narrative:
Recently reviewed a copy of credit report and noticed I have a fraudulent collection account by Consumer adjustment Co. For {$560.00} was opened in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A.
State: MO

Complaint narrative:
Had problem getting online with credit card. Went into branch and PNC person got card accessible online. Asked PNC person several times if balance transfer was an option. Continually the person indicated that balance transfer was an option, but the fee would be 5 % of the transfer amount and that if the balance was not paid for within 12 months interest would be charged from when the balance transfer was initiated. When the transfer was made PNC began charging interest from the beginning. When the transfer was initiated. I have tried to converse with the company on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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:
On XX/XX/XXXX, I submitted a dispute through Equifax for an account shown on my credit report for XXXX XXXX and my dispute was assigned a confirmation # XXXX. 
The XXXX XXXX account was opened on XX/XX/XXXX and there was no payment made on the account as my credit report shows no date for the date of last payment ; yet, XXXX XXXX is reporting the date of 1st time being delinquency was XX/XX/XXXX. The account history on my credit file only shows activity starting XX/XX/XXXX and shows as a charge off account. 

As no payments were made since the account was opened on XX/XX/XXXX, since it has been more than 7 years I submitted a dispute for the account to be removed from my credit file. 

I received notification on XX/XX/XXXX that the investigation has been completed and the item is still shown on my credit report. The only change made was a comment stating " Account Previously in Dispute - Now Resolved by Data Furnisher ''. This comment does not indicate specifics about the results of the dispute investigation. 

If the dispute was found to be accurate, they need to clearly indicate it is correct but based on no payments made and opened in XX/XX/XXXX but not reported as delinquent until XX/XX/XXXX with the history showing information starting XX/XX/XXXX. Based on these facts and the account has been on my credit file for more than 7 years, it should be deleted from my credit report or inform what corrections will be made to the credit report..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: WI

Complaint narrative:
After several attempts of getting this item removed through the disputing process, they have failed to remove it. This complaint is in regards to a charge off on my Equifax credit report from XXXX XXXX XXXX account number XXXX in the amount of {$29000.00} According to the IRS publication XXXX, if a debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the 1099-c form. The IRS treats the cancelled debt as income, and you will need to report it on your tax return. Income can not be reported on your credit report as a debt owed or not paid. 

Furthermore, this is in direct violation of my rights and privacy according to the Violation of Privacy Act of 1974. 

May I also add that it is illegal to report transaction history according to 15 usc 1681governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by credit reporting agencies.15 usc 1681n ( a ) any person who willfully fails to comply with any requirement imposed under this sub chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of 1 ( a ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( B ) in the case of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the cons as a result of the failure or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I closed my XXXX account on or around XX/XX/2024. XXXX generated a final bill on XX/XX/2024 with a due date of XX/XX/2024 in the amount of {$530.00}. 

TSI sent a debt collection letter on or around XX/XX/2024 demanding {$530.00}. 

Unless I'm mistaken, a debt collector should not be reaching out and demanding payment until at least after the debt is actually due. Furthermore, the full amount was paid to XXXX  on or before XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NY

Complaint narrative:
became aware of these fraudulent loans being open under my identity due to receiving various calls this was later followed by dmv contact me about my address change which i didnt not authorize over the last few months i contacted police the credit and banks try to impose my right and have these fraudulent accounts and inquries removed I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.be Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : { dispute_item_and_explanation } Kind regards, _

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am unaware of this debt. I didn't have an opportunity to access or dispute this information, if in fact you believe you gave me proper written notification then please send me a certified mail return receipt with my signature and name on it. If you can not produce these documentations, I am requesting immediate deletion from my credit file. Furthermore you are in violation of 12 CFR 100.34 ( A ) ( 1iB )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, DC XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Dear Experian, I am writing to dispute the compliance standards upheld by your bureau in relation to my credit report. Upon reviewing the information provided, I have identified discrepancies that I believe do not align with the established compliance protocols. 

15 U.S Code 1681 ( b ) Reasonable procedures states It is required that a consumer reporting agency adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 

I understand the importance of accurate reporting and adherence to compliance standards in maintaining the integrity of credit reports : this is in accordance with Consumer Report and Information Sharing ( FCRA, Section 603 ( d ). However, the discrepancies in my report have negatively impacted my financial standing and may have far-reaching consequences. 

I request a thorough investigation into these discrepancies and urge your bureau to rectify any inaccuracies promptly. Additionally, I would appreciate clear communication regarding the steps taken to address these issues and ensure compliance with established standards. 

Please provide me with a detailed explanation of the investigation process and the outcomes thereof. Furthermore, I would like to receive a corrected copy of my credit report reflecting the accurate information as soon as possible. 

I trust that your bureau will handle this matter with the urgency and attention it deserves. Thank you for your prompt attention to this dispute. 

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 2024-03-17 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: MO

Complaint narrative:
Ive Recently Checked My Credit Report And Noticed Some Unauthorized Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: TX

Complaint narrative:
I looked at my report on XX/XX/2024 and noticed something's are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX XXXX is not complete and accurate. 

XXXX XXXX XXXX showing 100 % paid but still reporting negatively, closed account date is not reporting correctly, last activity is not reporting correctly, Times/days late incorrect, months reviewed incorrect, payment history incorrect, this account is not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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:
I looked at my report on XX/XX/2024 and noticed something's are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX  XXXX is not complete and accurate. 

XXXX XXXX XXXX showing 100 % paid but still reporting negatively, closed account date is not reporting correctly, last activity is not reporting correctly, Times/days late incorrect, months reviewed incorrect, payment history incorrect, this account is not accurate.

Company response to consumer: Closed with explanation