vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
After investigating I did not authorize this account in my name. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such in fact therefore no debt exist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective emmediately. 
I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: MI

Complaint narrative:
On or around XXXX XX/XX/XXXX I filed complaint XXXX regarding an XXXX XXXX account ending XXXX in my Equifax credit file XXXX As result, Equifax disputed the payment history. Equifax responded on or around XXXX XX/XX/XXXX claiming XXXX verified the prior payment history was being reported accurately. XXXX has been notified directly of the issue with the prior payment history on multiple occasions, the last of which was in CFPB complaint XXXX. XXXX provided a table of the payment history they are furnishing for the account in their XXXX XX/XX/XXXX response to CFPB complaint XXXX. That table shows payment history and payment status that any reasonable individual would conclude is false/misleading/inaccurate on its face. No account can change from being thirty ( 30 ) days to one-hundred twenty ( 120 ) days past-due over the course of a single billing cycle, ironically the number of days after-which XXXX would then be able to charge-off an account. Moreover, if XXXX alleges the account was charged-off on or around XXXX XX/XX/XXXX, then no reasonable individual would expect XXXX to XXXX information claiming a Date of First Delinquency of XX/XX/XXXX, and reoport a charge-off for the first time neraly two ( 2 ) years thereafter in XX/XX/XXXX. By law, XXXX was required to report the status of the account to the CRAs with the correct delinquency information leading to charge-off not more than ninety ( 90 ) days after the change from balance to loss. Yet, that is not what the table of payment history XXXX provided indicates. It shows the status first reported XX/XX/XXXX. Just because XXXX verifies the information it is reporting is accurate doesn't make it accurate, especially if a reasonable individual can clearly examine the information and identify why the information being furnished is inaccurate. XXXX knows or has reasonable cause to believe the information it is furnishing is false/misleading/inaccurate. Equifax has a duty under the FCRA to report accounts with maximum possible accuracy and to remove information, even whole accounts/tradelines that are erroneous. There is no reasonable explanation Equifax can provide that argues false/misleading/inaccurate data is " accurate. '' Now, Equifax claims in the response they provided non-monetary relief, claiming " Equifax reviewed the complaint, relevant documents, and completed an investigation where applicable. '' If that were true, then Equifax would clearly see why the account/tradeline needs to be removed and promptly remove it because the data is false/misleading/inaccurate on its face. Equifax has provided zero ( 0 ) relief as the account/tradeline continues to report the same false/misleading/inaccuarte information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I'm currently a victim of identity theft and this has impacted my life tremendously, I just want my life back so I can provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: World Acceptance Corporation
State: GA

Complaint narrative:
I'm currently a victim of identity theft and this has impacted my life tremendously, I just want my life back so I can provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Was involved in a fraud scam regarding vacation rental property in XXXX XXXX. The property was found on XXXX  we secured and paid for the property during several conversations with the property owner via email. 
a few days before departure, We received an email from XXXX that unfortunately the property was a scam, but because we paid by wire transfer directly to the owner there was nothing they could do for us, the wire was for {$4100.00} going to the property owners account in XXXX XXXX on XX/XX/2023 was sent from regions bank XXXX XXXX locations by XXXX XXXX employee The property number on the XXXX XXXX was XXXX property owner was XXXX XXXX XXXX Short term rental agreement available if needed. 
terms of agreement available international wire transfer request and authorization also available

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 2023-11-30 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: PA

Complaint narrative:
The companies below are violating code ( 15 USC 1681b Permissible Purpose ) however, I did not give my permission nor written signature to report this information to my credit report this information is not accurate and incorrect it is fraudulent. I demand that the information below gets removed immediately. 

XXXXXXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: PA

Complaint narrative:
The companies below are violating code ( 15 USC 1681b Permissible Purpose ) however, I did not give my permission nor written signature to report this information to my credit report this information is not accurate and incorrect it is fraudulent. I demand that the information below gets removed immediately. 

XXXXXXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX XXXXXXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Closed on XX/XX/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 2023-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
We had a lease of a XXXX XXXX, beginning in XX/XX/XXXX. My husband incorrectly believed he had set up direct deposit for recurring payments to the lease. On XX/XX/XXXX, we noticed the car was no longer parked on our property and learned it had been reposessed by Volvo due to lack of payment. My husband called and said we would pay the amount owed ( {$5500.00} ) as well as any penalties for our mistake.

We were then informed by Volvo that they had tried to contact us ( one letter and one phone call ) and we must pay off the call in full, or it will go to auction. We never received any letter detailing this and my husband answered the call, said to call back as he had a work call, they did not detail what it was about and did not call back. 

We are in possession of a letter, which we faxed to the leasing agent, which is an invoice for lease payments ( {$4300.00} ) plus a {$60.00} late charge DUE XX/XX/XXXX. Our car was seized from our property 5 days prior, on XX/XX/XXXX. 

We faxed this letter to the leasing company and have tried repeatedly to speak with a supervisor, who is always " busy '' and whose line or direct contact information has not been made privy to us, despite numerous requests. 

The most recent communication we had was outlining $ XXXX with only a {$60.00} late charge, now we're being told we must pay $ XXXX or have the car go to auction- at which point we will be responsible for any balance under a selling price of {$65000.00}. The punishment far outweighs the " crime '' and we are asking for help in negotiating that we settle up at the requested {$5500.00}, have our car returned to us, and restart our lease with autopay correctly setup.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XX/XX/2023 I be charge in my CC {$110.00} from company I do not received product Synchrony Bank, provider Sam 's Club Mastercard reject my complain.

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 2023-11-30 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: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
I am writing this complaint because I have tried to resolve things directly with Outsource and the Bureaus to no avail. I have heard back from neither and it is severely affecting my scores. They are stating I have 2 accounts with mountain XXXX XXXX. However, I only ever had 1 account that I closed when I relocated. XXXX XXXX never reached back out despite having all my information. I have disputed this with Outsource multiple times and each time they can't validate the debt, they remove it and next month its back on my report?! This needs to be fixed I don't owe a debt to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: Incomm Holdings Inc.
State: CA

Complaint narrative:
We were anonymously given a {$500.00} Vanilla Visa gift card on XX/XX/23 when my husband was laid off. It was left at our church ( currently trying to track down WHO it was to see if they retained the receipt ).

When I opened the factory sealed envelope, 3 of the 16 digit numbers were scratched off. I tried using the card in person at a store and the card reader wouldn't even read it. 

I called the customer service number on the back on XX/XX/23 and after finally getting through to a real human being they asked for the serial number on the back, which I provided. Then the gentlemen informed me their system was down and he couldn't help me. He said when I called back, I needed to provide the receipt ( which I obviously don't have ) and a photocopy of the front and back of my ID. I told him I don't feel comfortable giving them my ID ( and thought to myself it sounds like a scam ) and didn't understand why they needed that. The card wasn't linked to me in any way since I didn't purchase it. 

After hanging up I did some online research only to discover this has happened to thousands of other people with this Vanilla Visa card. As I stated before, the gift card was factory sealed! So this must be an inside job? I know that sounds crazy but how else would someone be able to scratch of the numbers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: AZ

Complaint narrative:
Date of Letter : XX/XX/2023 Attention Dispute and Complaint Departments of : Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax REGARDING : Dispute of Unauthorized Charges That Were Not Made on My Physical Card With XXXXXXXX XXXX XXXX XXXX XXXX Resulting in Negative Mark on My Credit Bureau Report Refusal of the Bureaus Willing to Delete The Negative Mark Despite Reversal of Charges That Were Found in My Favor Due to Fraud Dear Supervisors and Those in Charge of Complaints, Earlier this month I contacted customer service of the XXXX Card via telephone after I was notified by XXXX XXXX  that there was a negative mark/report added to my almost perfect credit due to a supposed late payment of 30+ days. Upon calling XXXX customer service, it was discovered that charges for several months were made not on my physical card but digitally perhaps from XXXX phones I donated. Therefore they reversed over {$700.00} in charges which obviously would not have made me late on a payment. However, the credit bureaus are still keeping the late payment report on my credit and worse yet, its not scheduled to be deleted until XXXX. Thats ridiculous! My credit score was over XXXX prior to this incident that was not of my doing. XXXX XXXX now owes me a check of {$720.00} due to all of these fraudulent charges. Therefore, I am demanding that these negative 30 day late reports be taken off all three credit bureau reports, which are greatly affecting my credit score of near perfect. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-30 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: GA

Complaint narrative:
Experian XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX Requested validation of accounts on 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 2023-11-30 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: MD

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to ha completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, XXXX INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT XXXX COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and _explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 1116 By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these aforementioned derogatory items be investigated and permanently removed from my report. I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. Sincerely, Your Full Name " Attach copy of ID and XXXX bill ( bank statement if you don't have utility bill )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the 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 explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
All of the following transactions were not authorized by myself- Chase Bank have not refunded these. I have raised a report with XXXX XXXX police department. I would like the transactions to be refunded as i did not authorize these transactions and i when these transactions occurred i was on XXXX XXXX 


XX/XX/XXXX XXXX XXXX - XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card- {$140.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX CA XX/XX/XXXX ( ... XXXX ) Card- {$290.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX XXXX XXXX XXXX ) Card- {$350.00} XX/XX/XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX - XXXX XXXX  XXXX XXXX NV XXXX XX/XX/XXXX ( ... XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( XXXX XXXX XXXX XXXX {$43.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX XXXX XXXX {$59.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX ) XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX ) Card- {$98.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: IL

Complaint narrative:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said account. 
Account payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

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