vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
I Closed this account 3 months ago and they continue to charge me an annual fee and a monthly maintenance fee. I have contacted them several times and they will not waive them, even though i still pay my bill every month.Fortiva credit card XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Resolutions Corp.
State: MD

Complaint narrative:
A private consolidation loan originally owned by XXXX was sent to Absolute Resolutions for debt collection. I was harassed continually by Absolute Resolutions and their third party representative, XXXX XXXX XXXX ( and their employee XXXX XXXX ). Despite several attempts from XX/XX/XXXX to XX/XX/XXXX to make payments on the amount owed, including a good faith 10 % down payment and monthly, then biweekly payments, I was constantly asked to pay more and more and was then unable to make the expected payments. Because of this, I applied for Chapter XXXX bankruptcy on XX/XX/XXXX and was granted a full discharge on XX/XX/XXXX ( which included the Absolute Resolutions collections account totaling {$26000.00} ). In XXXX, I began receiving statements and requests for payment from Absolute Resolutions. I then contacted them by phone and spoke to a representative. I informed them of the bankruptcy discharge. Since then I have not received any communication attempts. However, the Absolute Resolutions account has stayed on my credit report as an open and active collections account. I filed a dispute with XXXX which was rejected. On XX/XX/XXXX, I logged into my Absolute Resolutions account to see that is is very much active. Since then I have contacted XXXX again, emailed my official discharge order to Absolute Resolutions, and am now filing this complaint.

Included in this complaint are my discharge order and the Absolute Resolutions portal for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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:
XXXX XXXX XXXX  {$950.00} claims I owe. In accordance to fair credit reporting act this creditor has violated my rights under 15 USC 1681 602 states I have a right to privacy. 15 USC 1681 604a 2 a consumer reporting agency can not furnish an account without my written consent. 15 USC 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 2024-04-27 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:
Credit XXXX bank {$950.00} claims I owe. In accordance to fair credit reporting act this creditor has violated my rights under 15 USC 1681 602 states I have a right to privacy. 15 USC 1681 604a 2 a consumer reporting agency can not furnish an account without my written consent. 15 USC 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 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 2024-04-27 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:
XXXX XXXX XXXX {$950.00} claims I owe. In accordance to fair credit reporting act this creditor has violated my rights under 15 USC 1681 602 states I have a right to privacy. 15 USC 1681 604a 2 a consumer reporting agency can not furnish an account without my written consent. 15 USC 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 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 2024-04-27 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: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX The above account that is currently reporting to my credit report is is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. -XXXX XXXXXXXX XXXX XXXX XXXX The above account has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2024-04-27 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My salary was deposited directly to the fifth third bank debit card issued by a company named wisely, on XX/XX/2024 at XXXX AM, I went to citibank parking lot ATM MACHINE located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 
while driving the car I inserted the wisely debit card in the Citibank atm machine to withdraw {$1000.00}, the machine disconnected and restarted and showed error with an XXXX language and was not given any receipt, and I never got my cash requested and the amount was deducted from my account. i contacted customer service for the card issuer at this number XXXX to report what happened and they mentioned that they need at least 45 days to XXXX and up to 90 days to investigate, this is really too much time to sustain the bank mistake, I appreciate if you can step in and resolve this issue.

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 2024-04-27 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: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
According to consumer law 15 usc 1681b I did not give permission for these collections to report on my credit report I am a victim of identity theft and I want a cease and desist as well as any debt validation or any written and signed document that ties me to these erroneous accounts, if not I want these removed from my respected credit report as well as all inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: DE

Complaint narrative:
According to consumer law 15 usc 1681b I did not give permission for these collections to report on my credit report I am a victim of identity theft and I want a cease and desist as well as any debt validation or any written and signed document that ties me to these erroneous accounts, if not I want these removed from my respected credit report as well as all inquiries I did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: PA

Complaint narrative:
I am a victim of identity theft, The following accounts are reporting fraudulently on my credit report. Account : XXXX XXXX  XXXX ; Account # : XXXX ; Account : XXXX XXXX I ; Account # : 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 2024-04-28 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: GA

Complaint narrative:
The Following inquires Capital XXXX Auto XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, & XXXX XXXX Auto XX/XX/2024 are from an result of identity theft. I already filed my FTC report to report identity theft and mailed it in to the company and they failed to remove them from my report they should be removed 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 non-monetary relief
Consumer complaint received 2024-04-27 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: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX The above account that is currently reporting to my credit report is is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. -XXXX XXXX XXXX  XXXX XXXX The above account has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2024-04-27 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: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX The above account that is currently reporting to my credit report is is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. -XXXX XXXXXXXX XXXX XXXX XXXX The above account has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Dear Amex, I am writing to request that my personal information not be shared with third-party non-affiliated companies, as permitted by 15 USC 6802 and 16 CFR 313.7 As A Federal Protected Consumer to Exercise My Consumer Rights. 

As a consumer, I value my privacy and wish to exercise my right to opt-out of the sharing of my personal information for marketing purposes with companies that are not affiliated with your institution. 

Please consider this letter as my formal request to opt-out of any such sharing of my personal information with All third-party non-affiliated companies immediately and indefinitely. 

I understand that you are required to comply with this opt-out request promptly upon receipt, and I expect confirmation of this action in writing. 

Please be advised that this opt-out request is not to be construed as a revocation of any consent previously provided under other applicable laws or regulations. 

If you have any questions or require further information, please do not hesitate to contact me at the email address provided or phone number Associated with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have three AMEX {$500.00} gift cards that I have tried to use online via various vendors as well as in-store to no avail. See declined transactions below from XXXX ( online ) and XXXX XXXX XXXX ( in store ). I also attempted to use via XXXX XXXX a number of weeks ago which was also declined as well as add to my XXXX account ( declined ) and XXXX XXXX. The point of these cards was to spend on needed items and not useless things. At this point a check in the amount of {$1500.00} would be ideal. 

Card # 1 DATE/DESCRIPTIONAMOUNT XX/XX/XXXX, XXXXXXXX XXXX Declined - Missing security code XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - XXXX, MA {$500.00} XX/XX/XXXXXXXX XXXX XXXX Pending - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX, MA - {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Pending - XXXX XXXX - XXXX - XXXX XXXX XXXX NY - {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Processed - System - + {$500.00} Card # 2 DATE/DESCRIPTIONAMOUNT XX/XX/XXXX, XXXX XXXX  Declined - Missing security code - XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX, MA {$500.00} XX/XX/XXXX XXXX XXXX XXXX Pending - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - XXXX, MA - {$0.00} XX/XX/XXXX, XXXX XXXX  Declined - Missing security code - XXXX XXXX XXXX XXXX XXXX XXXX XXXXK, NY {$160.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  Pending - BXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Declined - Missing security code - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY {$160.00} XX/XX/XXXX XXXX XXXX XXXX Pending - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Pending - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX, NY XXXX {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Pending - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Declined - Missing security code - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX NY {$160.00} XX/XX/XXXX XXXX XXXX XXXX  Pending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Processed - System - + {$500.00} Card # XXXX DATE/DESCRIPTIONAMOUNT XX/XX/XXXX, XXXXXXXX XXXX Declined - Missing security code XXXX XXXX XXXX XXXX  # XXXX - XXXX - XXXX, MA {$500.00} XX/XX/XXXX XXXX XXXX XXXX Pending - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, MA - {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Processed - System - + {$500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I found multiple charges on my card from a company called XXXX. I told them I did authorize these charges and have never done business with XXXX or gave them my card information and all charges from that company are fraudulent. I said I wanted the charges taken off the account. They made one adjustment, and their claims and recovery office did nothing else leaving me with a debt I did not approve. They are useless.

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 2024-04-27 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-27 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: FL

Complaint narrative:
I'm not liable for this debt with XXXX XXXX XXXX for the amount of XXXX $ that was establish on XX/XX/2020 as mention before I'm a victim of identity theft and around COVID-19 some one took over my bank information and identity from the XXXX market, and lost all access to my accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In accordance with fair reporting act, this creditor has violated my rights under 15usc1681 section 602 states : I have the right to privacy ; 15usc1681 section 604a/section 2, it also states : a consumer reporting agency can not furnish an account without my written instructions ; under 15usc1666b : 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 non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I have been unable to get the correct status of the total loss of the vehicle. Loss paid by insurance. Im still being billed. 
On XX/XX/year> I was informed tha total I have to pay was {$410.00}. I made that payment on XXXX. I need to get this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I spent a small amount of money And they took way too many points off of my fico score Monday, XX/XX/year>. My credit score was a XXXX. I spent {$150.00} and my credit score went down XXXX points which now makes it XXXX. 

And I am only utilizing 26 % of my credit which is below the 30 % mark. This should keep me above a XXXX XXXX score which seems to be a miscalculation on their part and is hurting my ability to utilize new credit opportunities for funding my business. 

I am asking for an investigation On Trans Union and XXXX so that my XXXX score reflects what the fair Credit reporting act suggests and should be adhere to in my situation as Per federal law States.

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 2024-04-27 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:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief