vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX To Whom It May Concern, I am writing in response to your phone call that Ive received . I request that you provide validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor. 2. The date the debt was allegedly incurred. 3. The amount of the debt, including a detailed breakdown of all fees, interest, and other charges. 4. A copy of any signed agreement or contract that obligates me to pay the debt. 5. Proof that your agency is licensed to collect debts in my state. I also request that you cease all communication with me about this matter, except to provide the requested information or to inform me of specific actions you plan to take, as permitted by law. Please note that this letter is not an acknowledgment of liability for this debt. I will review the requested documents to determine if I am legally obligated to pay. Thank you for your cooperation. I look forward to your timely response. 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 non-monetary relief
Consumer complaint received 2024-12-24 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: SC

Complaint narrative:
I see numerous fraudulent inquiries in my report. Please remove them as soon as possible. I have the right to have an accurate reporting. 

XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/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 non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2024 there was XXXX payments posted to Bank of America XXXX XXXX and XXXX which I accidently made. Bank of America use to 'hold ' my XXXX XXXX XXXX but was at some point moved over to XXXX XXXX. I accidentally made XXXX different payments via Bill Payer through my XXXX XXXX one for {$77.00} and {$890.00} totaling {$960.00} to Bank of America. Unfortunately, my account had been closed when XXXX XXXX took over and they can't find my closed account with my old account number, or social security #. On XX/XX/2024, I called my bill payer and they sent proof of payment to bank of america asking them to refund me. Bill payer told me to wait XXXX business days before I called bank of america which XXXX did on XXXX XXXX to find out the status. Bank of America told me it would take XXXX business days and at that point any $ that they couldn't find a " home '' for would be sent back the way it came. So I waited until XX/XX/2024 and called. They gave me a big run around saying it would take XXXX days and they would send me a check, I asked how they would do that when they can't even find my account to get my address, etc. I asked to speak with a manager or supervisor and/or someone in the department that handles funds that come in and have nowhere to go and they said those people will not talk to the consumer and only to the banks, etc. I called my bill payer back again and they referred me back to Bank of America. I get it it was my mistake but that doesn't give bank of amercia the right to my XXXX IT ISN'T THEIRS! This is outright theft!!!

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 2024-12-24 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: KY

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my payment history for the XXXX XXXX account XXXX Account Number : XXXX ). The payment history reported for this account is incomplete and does not reflect accurate information. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to ensure maximum accuracy of the information reported on consumer credit reports. Despite my previous dispute, the information has not been corrected, which constitutes non-compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I bought an item advertised on www.luxurysnob.com using their payment plan. However, upon receiving the item, it did not match the description at all. I returned the product, but the seller stopped responding to my requests for a refund. 

Affirm, the financing company, has been contacting me about the unpaid debt and reported it to credit bureaus. I contacted Affirm to investigate the issue, but they never provided any updates. 

I submitted evidence to Affirm, including correspondence with the merchant regarding the discrepancy between the advertised and received items, and proof of the item 's return via USPS. I requested an investigation into the matter, but Affirm ceased all communication. This dispute with Affirm has been ongoing for the past three years. 

After selling the debt to a company called " XXXX, '' Affirm continued to harass me for the payment. XXXX also harassed me until I sent them a cease and desist letter. I believe Affirm and the merchant, " XXXX XXXX, have colluded to defraud me by providing me with a product that did not match the advertisement, refusing a refund, and then selling the debt to a collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: CBC Companies, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX  ] [ XXXX XXXX, TX XXXX Subject : Cease and Desist Collection Efforts for Accounts # XXXX Dear XXXX XXXX XXXX XXXX, I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below. According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts are as follows : Account Number : XXXX Balance : {$16000.00} Balance Updated : XX/XX/XXXX Credit Limit : {$15000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Account Number : XXXX Balance : {$21000.00} Balance Updated : XX/XX/XXXX Credit Limit : {$20000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Please confirm in writing that you have ceased all collection efforts and that you will not report these debts to any credit reporting agencies. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: ID Analytics, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX ] [ XXXX XXXXXXXX XXXX XXXX Subject : Cease and Desist Collection Efforts for Accounts # XXXX Dear XXXX XXXX XXXX XXXX  I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below. According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts are as follows : Account Number : XXXX Balance : {$16000.00} Balance Updated : XX/XX/XXXX Credit Limit : {$15000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Account Number : XXXX Balance : {$21000.00} Balance Updated : XX/XX/XXXX Credit Limit : {$20000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Please confirm in writing that you have ceased all collection efforts and that you will not report these debts to any credit reporting agencies. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have been trying to log in to the Experian Credit Bureau website for almost two months to check my credit report and score, but their system is not allowing me to access my account because the information stored on their side is incorrect for some reason, and they can not do anything about it. As a result, they are unable to verify my identity and apply to a new credit card. I have contacted the dispute center and submitted a support request more than a month ago.

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 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I don't recognize this collection account in my report. Please remove this as soon as possible. it owned by somebody else. 

XXXX XXXX XXXX XXXX  date opened XX/XX/year>

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 2024-12-24 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: SC

Complaint narrative:
I see numerous fraudulent inquiries in my report. Please remove them as soon as possible. I have the right to have an accurate reporting. 

XXXX XXXX  inquiry date XX/XX/XXXX XXXX inquiry XXXX XX/XX/XXXX XXXX  inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I received a letter from a debt collector : Radius Global Solutions, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX ( XXXX XXXX. XXXX )- alleging I owe a debt to XXXX XXXXXXXX XXXX in the amount of {$560.00}. They state the current creditor is XXXX XXXX XXXX XXXX. I advised that I do not owe this debt and asked they to please provide proof. They sent what they claim is proof, calling it " validation ''. However no where in the XXXX pages they mailed to me is my name even mentioned. No where is proof that I purchased anything or received anything of value. My signature does not appear anywhere. The only thing provided was a Rate and Fee Schedule, a credit card agreement page ( blank ), a partial account number ( XXXX ), and a purported statement of account activity that only shows past due balances. XXXX has done nothing whatsoever to connect me to this alleged debt. All this shows is that someone with an account ending in XXXX purportedly owes a debt to XXXX XXXX XXXX / XXXX. This is not me. I have never had an account with XXXX, XXXX or XXXX. And they have provided absolutely no evidence to the contrary.

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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank sent me an email AFTER reducing my credit line. They said that this reduction was due to my credit report, but I almost always pay above the minimum pay on all of my cards. There has not been anything negative on my credit report. I closed one credit card and traded in a car. I was never given an exact reason for this reduction. This reduction also cane after making a substantial payment, thus CAUSING a negative impact to my credit score.

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 2024-12-24 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: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX  days! These fraudulent accounts are not only damaging my credit but also causing me significant XXXX XXXX XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year> I received a notification from my XXXX account transaction XXXX was sent back to the depositor PayPal in the amount of {$29.00}. In addition, I checked my PayPal account and notice the funds was not returned on my account. I then notice that transaction XXXX In the amount of {$19.00} was pending from a transaction dated XX/XX/year> and {$53.00} transaction no. Said pending since XX/XX/year>. I never asked PayPal to transfer my funds to my XXXX account. PayPal removed the above funds from my account without my permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 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 2024-12-24 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: LA

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 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 2024-12-24 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: ID Analytics, Inc.
State: NC

Complaint narrative:
XXXX XXXX Subject : Cease and Desist Collection Efforts for Accounts # XXXX Dear XXXX XXXX I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above. According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts are as follows : Account Number : XXXX Balance : {$5900.00} Balance Updated : XX/XX/XXXX Credit Limit : {$5000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Account Number : XXXX Balance : {$1300.00} Balance Updated : XX/XX/XXXX Credit Limit : {$1000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Please confirm in writing that you have ceased all collection efforts and that you will not report these debts to any credit reporting agencies. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Venmo complaint On XX/XX/year>, my mother, XXXX XXXX sent funds to me via XXXX and I transferred to my Venmo XXXX Debit account ending in XXXX. The transaction was immediately flagged as " fraudulent '' and my account was blocked from using. First of all, I use this Venmo account for all my financial needs, as well as receiving my direct deposit from work, twice a month. I have had this account for sic years plus and make many transactions using it. After submitting my documentation to verify account, which was identification and face biometrics, I was sent an email from their support team, advising me that it will take XXXX business days to resolve. 
My mother, XXXX XXXX, sent verification of the transaction from her end, verifying that the transaction was legit. After my mother, XXXX XXXX, sent another email on XX/XX/year>, verifying the transaction once again, I receive an email stating that Venmo decided that the account was going to be " permanently closed '' and the funds will be held up to 180 day ( XXXX ) before being sent to me. Now the problem with this is that I have money sitting in my account that was going to be used for XXXX and to pay my rent. I also feel that this was done as a retaliation from my mother 's email, demanding the release of the funds that were sent from her paypal account. I do feel that this company did an unethical and malice business practice by accepting the transaction and then closing the account to hold the funds because the funds werein " pending '' status in my mother 's account and was completed before closing the account, instead of declining the transaction to be sent back to my mother 's Paypal account. I do believe that Venmo is an entity of Paypal and the transaction could have easily been verified as legit and completed without this fraudulently decision. I demand a release of my funds for my use as there is no reason to hold my funds for XXXX months. Now, I must say, " this is fraud '' on their part as a business.

Company response to consumer: Closed with explanation