vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I have been with AFFIRM INC for a long time, and I have always appreciated the good value and service I have received from your company. Recently I checked my credit report and noticed delinquent payment history. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would love to remain an active consumer of this company and would like for us to work together to update my payment history that is hindering me from getting approved for credit. Will you kindly send me confirmation that this erroneous late payment has been corrected, updated to paid as agreed/ never late and deleted from my credit report and sent to the consumer reporting agencies to update. I appreciate your companys decision and consumer satisfaction to do the right thing. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: GA

Complaint narrative:
On XX/XX/year>, I made a dispute on Experian for an account called XXXX and Experian did an investigation but failed to correct the error on the account. This account reporting to my consumer report is showing Paid, Closed but is also showing inaccurate information. I have explained during the dispute that this account was not correct and I also went into detail on what wasn't correct. Again, Experian failed to correct this error. This is my last and final option before reporting this company to the Attorney General.

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 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
XX/XX/2023 XXXX  {$370.00} Last year I was the process of getting some XXXX work done through XXXX XXXX. After they did all the checking and going through my XXXX insurance, I was left with an amount to be paid. So they went through Fortiva and they approved me. I was to pay XXXX a month. So before I could have XXXX XXXX to do the work, I had to go through their Oral surgeon, but come to find out that their surgeon was not under my insurance network and I would have to pay XXXX for each teeth that had to be pulled and I had XXXX teeth that had needed to come out. I couldn't afford to pay them so I cancelled my service. I didn't use any of the money that Fortiva approved me for. I had been in contact with them and XXXX about the money being returned. Finally in XXXX or XXXX, XXXX XXXX returned the money. XXXX is charging me for late fees of XXXX in which I had no control over. I've talked to them at least 7 times and I didn't get any resolution. I'm not understanding why I owe them if the amount that was borrowed was returned

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: OK

Complaint narrative:
FCRA 605B necessitates the removal of any erroneous accounts from my credit report. These accounts inaccurately represent the reporting. I should be compensated {$1000.00} for each mistaken report on my credit 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 non-monetary relief
Consumer complaint received 2024-05-19 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: FL

Complaint narrative:
RE : Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I checked my credit report and noticed the same multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know, the creditors did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the Creditors that I didn't pay and was marked late because this is clearly a billing error. 
I will list all items again that should be updated to paid as agreed on my consumer report and late marks should also be removed. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX As a consumer by law, these accounts on this letter must be updated and remove inaccurate information immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under XXXX XXXX XXXX XXXX liability because Ive been violated. 
Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 
Sincerely, XXXX 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 2024-05-19 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have received XXXX different requests from BANK OF AMERICA saying that someone from Texas is trying to use my information to open a credit card account. I do not live in Texas, and have never visited there. I told them to cancel the card application. On the second call from BANK OF AMERICA, today, ( XX/XX/XXXX ) they provided the same information, and then supposedly connected me with " XXXX XXXX '' at your agency. I also told BANK OF AMERICA to cancel the second card application. I questioned the phone transfer to XXXX XXXX... and I still question it, which is why I am submitting this report. XXXX could quote which cards, and name which institutions I bank with in my credit report, so I am suspicious. 

Neither phone number that BANK OF AMERICA used to contact me appeared on my Caller ID with their identification, so that is also suspicious. 

I am a senior citizen, now home-bound, XXXX from birth who only collects Social Security . I rely on my credit cards to survive. The balances are high on all of them, but I have not missed payments on them in years. 

" XXXX XXXX '' who has a foreign accent claimed he could eliminate interest charges on several cards of mine. I told him I rely on the cards to survive, but I have not applied for any new cards recently, and I want my credit watched so no one can open new accounts in my name. I also said I want NO new credit cards, but I also do not want any of my existing accounts closed. 

He provided me with your agency 's phone number and his extension, saying he would phone me again on XX/XX/XXXX. 

I'm contacting you in this manner because I am skeptical of both contacts, " XXXX '' and BANK OF AMERICA, and want my existing credit and my name protected by the various government agencies that do this. 

Thank you, XXXX 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 2024-05-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I closed a non-penalty CD account with Citibank in XX/XX/year> but have yet to receive the closeout check ( $ XXXXthe interest ), despite more than a year passing. Unfortunately, due to the absence of a nearby bank branch, my only recourse has been to contact their customer service repeatedly. Despite my numerous calls to inquire about the status of the check, each time I was simply asked to confirm my mailing address, with promises that a new check will be sent. Regrettably, none have arrived. When I inquired about the tracking information for the previous checks, I was informed that only the initial one had been shipped. This leads me to believe that subsequent promises to send new checks were not fulfilled. It appears that my requests were disregarded, and assurances to send replacement checks were not followed through.

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 2024-05-19 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: GA

Complaint narrative:
just recently looked at my XXXX report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I received a bill in the mail from Citibank XX/XX/year> which i never received a credit card or accessed the card. The mail was sent to wrong address. My correct address is XXXX XXXX XXXX mail was sent to XXXX XXXX XXXX. I called Citibank and received no help.

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 2024-05-19 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: CA

Complaint narrative:
In XX/XX/2018 I noticed five accounts that did not belong to me on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts The FBI has emailed me regarding this matter and I am a victim of identify 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 2024-05-19 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: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-19 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Victim of Id theft and my personal information was stolen. Someone used my information to obtain loans and other items.

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 2024-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Kolh 's is sending statements after bills are due. After my first complaint they said they would refund my late fee, but have not and they continue to send out statements to people after the bill is do They are also doing this to other people. Federal law requires statements to be sent out statements 21 days before the bill is due and they are not doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: CA

Complaint narrative:
I contacted XXXX XXXX XXXX and have asked them to close the fraudulent accounts and to remove the hard inquiries. They are in the process of closing the accounts BUT the hard inquiries are yet to be removed. I need the hard inquiries dated XX/XX/year> and XX/XX/XXXX, XXXX i didnt give permission for my information to be used to open any accounts. they CU is closing them. I need the hard inquiries removed. A fraud alert has been put on my credit reports.

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 2024-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I received a debt collection letter from XXXX for {$530.00} but the account number used is NOT my XXXX account number, and I do not owe any money to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Barclays Bank Delaware XXXX XXXX XXXX XXXX XXXX DE XXXX Account Number : XXXX Dear Sir/Madam, Subject : Third Request for IRS Form 1099-C I am writing to formally request a copy of IRS Form 1099-C for the debt associated with my account number XXXX. This is my third attempt to obtain this document. 
According to IRS regulations, creditors are required to provide this form when a debt is cancelled or charged off. As of now, I have not received the required documentation. The lack of this form is causing issues with my tax filings and financial records. Kindly ensure that this matter is addressed promptly. 
Please send the copy of IRS Form 1099-C to the address listed above or via email at XXXX. For your reference, my details are as follows : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX SSN : XXXX XXXX : XX/XX/XXXX I am also forwarding a copy of this letter to the Consumer Financial Protection Bureau ( CFPB ) and my attorney, XXXX XXXXXXXX XXXX XXXX  XXXX to ensure that this request is duly noted and expedited. 
I appreciate your prompt attention to this matter and look forward to receiving the requested form soon. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2024-05-19 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: MO

Complaint narrative:
When My Sister Ran My Credit When I Was XXXX From Hospital On XXXX ; I Have An Account In Collections I Have No Knowledge Of.. 

I Am Not Liable To This Debt Nor Did I Have Or Signed A Contract With Progressive Insurance.. I Requested Original Contract But Was Informed And They Provided Nothing.. Nor Even A Response To My Request.. XXXX And XXXX XXXX Have XXXX Account On My Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: CA

Complaint narrative:
Data was compromised and a fraud alert was put onto my credit reports. 
These inquiries should not be reporting as part of that alert. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am particularly concerned about inaccuracies in my credit report. I can confirm that the name " XXXX XXXX XXXX '' and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that XXXX investigate these inaccuracies and remove the incorrect name and addresses from my credit report promptly. This incorrect information not only compromises the accuracy of my credit report but also has the potential to impact my financial standing. 

Enclosed with this letter are copies of documents to verify my identity and current address, including a government-issued ID and a recent utility bill. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate and up-to-date. I kindly request that you take immediate action to rectify these errors. 

Please provide me with written confirmation once the incorrect information has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XXXX XX/XX/2024 EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX RE : Dispute of Charge-Off Entry on Credit Report To Whom this may concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements XXXX 
The inaccurate entry is as follows : XXXX Account Number : XXXX Date of XXXX I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 

XXXX. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant.

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report.

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report.

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief