vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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: PA

Complaint narrative:
EVERYTIME I WOKE UP IN THE MORNING, THESE FRAUDULENT HARD INQUIRIES ARE STILL IN MY ACCOUNTS AND REPORT. 
THESE ARE FALSE AND SHOULD BE IMMEDIATELY REMOVED.

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 2024-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I make purchases at XXXX XXXX company every month using their store credit card through Citi card so I set up auto pay to pay off my balance every month, but for some reasons the bank charged me 29.99 % interest charge and {$29.00} late fee every month for the past 8 months. they said I did not make a minimum balance. With all the fees and interest charges added up to {$3800.00} that even my auto pay of {$94.00} every month still didnt pay the minimum balance. They didnt send me monthly statements that I had no idea I owed that much until my credit card was declined so I called the credit card company on XX/XX/year> and they removed one late fee of {$29.00} and one finance charges of {$63.00}. Theyre not trying to help me even though I asked to speak to the manager to at least remove some of the late fees and finance charges. I spent about {$200.00} every month on this card and they charged me at least {$63.00} for finance charges plus {$29.00} late fees every month. Please help me. Thank you very much!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: PA

Complaint narrative:
I contacted Upgrade , Inc. in XXXX to determine when my credit report would be updated to reflect the balance. They stated they don't have control over when the update happens. However, other accounts are not having this issue. When I contacted them to close the account, they retaliated by claiming that my credit report had changed and thus the account can not have new charges added. I was okay with this, but they still have not til this day updated my credit report to reflect a closed account and {$0.00} balance. They are also still issuing statements. So, they have not closed the account, they only suspended it and also suspended reporting as retaliatory measures toward me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have several addresses on my account that I never lived at, and the result of that I have credit cards open in my name that I did not open. I have late fees on a close account. Thats the affects my credit to this day.

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 2024-07-23 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: RI

Complaint narrative:
Hi Lvnv Funding LLC : XXXX XXXX  XXXX XXXX  ; XXXX XXXX XXXX ; cfpb ; There are 2 accounts that i'm not aware of, no knowledge, no contractual agreement. I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt. 
I demand the immediate deletion of this account from all credit reporting agencies. Your actions have significantly impacted my credit report and overall financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''

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 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/year> XXXX  XXXX XXXX XXXX XXXX  I wasnt aware of any of these and I need both remove off my credit because its stopping me from getting approved

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 2024-07-23 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:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: NC

Complaint narrative:
Experian verified this account was accurate and i seen my credit report and seen alot of discrepancies and inaccuracies and these errors are in direct violation of my rights under the Truth in Lending Act ( TILA ). The TILA protects consumers by ensuring accurate and fair credit reporting. I demand that you immediately remove this inaccurate account from my credit report. If this account is not removed promptly, I will be forced to pursue arbitration due to fraudulent activity.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My accounts 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 to be removed/updated. 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. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: FL

Complaint narrative:
XXXX XXXX from XXXX XXXX Department ( XXXX ) called a family member on XX/XX/year> and left a message with information pertaining to a personal matter that did not involve that family member. My family member 's voicemail clearly states their name which is not even close to mine, but she proceeded to leave a voicemail going into detail about a personal matter that does not involve said family member. XXXX XXXX then proceeded to call my brother on that same day, XX/XX/year>, and left a similar voicemail. 

XXXX XXXX XXXX reached out to this same family member back on XX/XX/year> and I spoke to XXXX at XXXX XXXX XXXX on XX/XX/year> at approx. XXXX, who was at the time, working on the same personal matter as XXXX XXXX XXXX to not call any of my family members going forward. I do not know the relationship between XXXX XXXX at XXXX XXXX Department and XXXX XXXX XXXX ( XXXX ) but they continue ( despite me asking them not to ) call and harass my family members. They all have my contact information but still choose to reach out to my family members after me telling them not to. 

I want the original creditor XXXX XXXX held accountable too because they are retaining these companies to seek out and harass my family which is unacceptable. I have kept records of all interactions between both companies and can furnish whatever proof is needed upon request. This is my final attempt to make these harassment calls stop, my next step is consulting an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting 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 2024-07-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: KY

Complaint narrative:
This debt is in error or fraudulent. I spoke with XXXX supervisor ID # XXXX on XX/XX/year> and verified that XXXX received the equipment required to return. He also accepted a final payment and closed this account during our conversation. These additional charges are unfounded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MN

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have to alleged accounts posted on my credit report DEPT OF EDUCATION These XXXX accounts have been reporting on my credit report for about 8 years now, I tried repeatedly over and over to get my results from the credit bureaus & to get them to stop reporting this false information on my account but every time I reach out to them I get no follow up answered been trying for years. The alleged account has multiple errors posting to my account XXXX. Statue of limitations account was opened in XXXX we are now in XXXX thats XXXX  years XXXX. Address not on my credit profile for the original allege debt XXXXDisputed in the pass and failed to contact me back regarding my dispute XXXXAccount is no longer report to my XXXX report XXXXAccount payment history is inaccurate and reporting wrong There are XXXX of the DEPT OF EDUCATION accounts First Account is in the amount of {$2000.00} Second account is in the amount of {$1200.00} Information to verify me with the bureaus XXXX XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT 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 explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I was emailed by American Express notifying me that my American Express platinum card ( ending in XXXX ) was terminated by American Express. No reason for the cancellation of my card was provided. In the cancellation email sent to me on XX/XX/XXXX, American Express notified me that I had 90 days to redeem the XXXX American Express membership rewards points that I had accumulated. That same day, I logged in to my American Express rewards account in order to redeem the points. I was alarmed to see thad I had no option to redeem the points. I then called American Express 2 days later on XX/XX/XXXX at the phone number provided by American Express on the cancellation email to redeem my points. I was falsely told by American Express that I could not redeem the points, not online nor on the phone and that the points were completely gone and I would never get them back. In a subsequent recorded phone call with American Express on XX/XX/XXXX, American Express reversed itself, admitting that I was told incorrect information that prevented me from redeeming the XXXX American Express XXXX now says I could have redeemed the XXXX points during the 90 day window after my closure. They didn't see how this could have been done when no online option to redeem the points was available and that I was told over the phone that I could not redeem those points. I shared with American Express that the email promised me 90 days to redeem the points and that I was not given the option online to redeem the points and that when i called in to redeem the points as I was instructed to do, I was prevented from redeeming the points. American Express declined to reinstate these points, which are valued at over {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: IL

Complaint narrative:
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

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 2024-07-23 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 delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

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