vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I ordered a dress from XXXX XXXX, XXXX XXXX  for {$610.00}. The dress was delivered at XXXX XXXX  on XX/XX/year>. I opened the box, discovered that the dress has dar red stains on the neck, contacted customer service at XXXX XXXX  the same day, took pictures of the stains, and returned the dress following their instructions. They did not respond or issue a refund, so I filed a dispute with Citibank credit card dispute dept. I received a message from XXXX on XX/XX/XXXX about a shipment from XXXX -- they returned the dress 3 months later because " it was unusable ''. I still have the dress and I can submit photos -- it looks the same : XXXX XXXX  on the back, the way I received it. They note their return policy that the items have to be " unused '' in order to be returned and list the same pictures as the reason for not accepting the return. 
I submitted all the documentation to citi : communication with XXXX, XXXX delivery time, and photos. I ask CFPB to review this case because I have timely and thorough documentation of receipt and return of the item. Most purchases have at least a 7 day return policy while I reached out to the merchant within XXXX minutes with the issue. How can I prove to them that I did not stain the dress?

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 2024-09-30 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: OH

Complaint narrative:
I have identified inaccurate details on my credit report, as protected by 15 USC 16c-2. I believe this information is misrepresenting my creditworthiness. The inquiries were not authorized by me.

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 2024-09-30 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: PA

Complaint narrative:
This letter serves as a FINAL DEMAND for immediate action regarding the unresolved dispute on my credit report. I have made multiple prior attempts to address this issue, yet you have failed to take appropriate action, in blatant disregard of your obligations under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter serves as a FINAL DEMAND for immediate action regarding the unresolved dispute on my credit report. I have made multiple prior attempts to address this issue, yet you have failed to take appropriate action, in blatant disregard of your obligations under the Fair Credit Reporting Act ( FCRA ).

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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
Pollack & Rosen , P.A . 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX Subject : Debt dispute and request for verification of collector 's license Dear Sir or Madam, I am writing in response to the correspondence I received, dated XX/XX/XXXX, indicating that you are attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX XXXX, with reference number XXXX. According to the letter, the debt allegedly originates from a XXXX XXXX  account linked to a XXXXXXXX XXXX XXXX credit card, with an outstanding balance of {$2500.00}. 
After reviewing this information, I have serious concerns regarding the validity of this claim and am therefore disputing the debt for the following reasons : Lack of Collection License in Florida : According to my research, XXXX XXXX XXXX XXXX XXXX are not properly licensed to operate as debt collection agencies in the state of Florida, in compliance with state debt collection laws. Under Chapter XXXX of the Florida Consumer Collection Practices Act ( FCCPA ), any collection agency must be registered and authorized to operate in this state. I request evidence proving that both your company and XXXX XXXX XXXX XXXX XXXX are licensed to collect debts in Florida. 
Proof of Debt Ownership : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g ( b ), I have the right to request validation of this debt, including verification that the debt is indeed mine and that the amount owed is accurate. I demand that you provide detailed documentation to validate the legitimacy of this debt, as well as records supporting the transfer of the debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Relevant Case Law : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ruled that debt collection agencies must strictly adhere to both state and federal laws, including those related to obtaining state licenses. Given that I have not found evidence that XXXX XXXX XXXX XXXX XXXX holds a valid license in Florida, your attempt to collect this debt XXXX constitute a violation of both the FCCPA and the FDCPA. 
I am attaching evidence obtained from the official XXXX website, where the legitimacy and current status of the involved entities ' licenses can be verified. This resource is used to ensure that both the lender and other parties comply with regulatory requirements established by law, thus ensuring transparency and security in all financial transactions. Additionally, I refer to the Florida Consumer Collection Practices Act ( XXXX ), Chapter XXXX of the Florida Statutes, which regulates the activities of debt XXXX and protects consumers from unfair collection practices, requiring all communications with the consumer to be conducted honestly and without harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: KEYCORP
State: PA

Complaint narrative:
I closed my account with KeyBank over 3 years ago and they had to pay me for overdraft fees that never existed on my account. So then they reported me to XXXX XXXX  company preventing me from opening an account with another financial institution. 

I spoke with XXXX  XXXX and she said it was a mistake however I received a letter stating that they found fraud on my account which is a lie. 

I have asked for documentation and they cant provide nothing but told me if I wanted to open an account with them I could. This is also affecting my granddaughter which her name was on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: EQUIFAX, INC.
State: FL

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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: TX

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 2024-09-30 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: OH

Complaint narrative:
Upon checking my credit report, I discovered multiple billing errors. The late payments do not correspond with my usual payment history.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Creditors Bureau Associates
State: KY

Complaint narrative:
These inquiries were unauthorized and i'm a victim of identity theft. I would like for these hard inquiries to be deleted. I did not authorize these companies to run my credit. This is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: FL

Complaint narrative:
To whom it may concern The following inquery attach on FTC reports are not mine.

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 2024-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
This company, Accounts Receivables, has called me multiple times from multiple numbers after I stated this is something that should have already been managed and to send me it in writing. They rudely said they already did that and would send it again and I still never received anything. They have since called from multiple numbers all starting with XXXX. I have blocked a few as they are harassing at this point and then will get a call from yet another of their numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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 explanation
Consumer complaint received 2024-09-30 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT

Complaint narrative:
They transferred a lease to my name when I no longer lived there. The lease was never in my name. It was originally is someone elses and they put the debt in my name. I never signed anything. They showed me a paper that has my signature, it just didnt come from me. I have never had this place as my address.

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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: AK

Complaint narrative:
In XXXX of XXXX IQ Data International received my account for a debt that I allegedly owe ( I don't ). On XX/XX/XXXX IQ Data International communicated to the XXXX that they are attempting to collect this debt. This is beyond the statue of limitations and a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I have noticed a hard inquiry from CBNA. From XX/XX/year>. I am not aware of this at all. I tried to call the number it has stated as well as gotten transferred/given different numbers to solve this issue. I have not gotten any luck. I believe this is fraud.

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 2024-09-30 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: AZ

Complaint narrative:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX : Update to Open/Never late. 


2. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Please remove it from my credit report. 


3. Unpaid balance reported as a loss by credit grantor XXXX XXXXXXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: NJ

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
uPON ME REVIEWING MY CREDIT REPORTS I NOTICE ACCOUNTS THAT WERE NOT MINE

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 2024-09-30 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: NJ

Complaint narrative:
uPON ME REVIEWING MY CREDIT REPORTS I NOTICE ACCOUNTS THAT WERE NOT MINE

Company response to consumer: Closed with non-monetary relief