vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 
Fraudulent Unauthorized Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kinum, Inc., Indianapolis, IN Branch
State: PA

Complaint narrative:
I checked my credit score and discovered that a debt collection company called Kinum claimed I owed {$110.00}. I have never heard of this company, have never received any communication written or verbal from it, and have no idea what company claims to be owed. 

I believe this to be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and am considering all options, including a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thunderbird Collection Specialists, Inc.
State: MO

Complaint narrative:
I have a medical bill from 6 years ago that has now gone to collections and every year they resubmit the debt as new so it continuously shows up on my credit. I have tried to dispute it with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rent Recovery Solutions
State: LA

Complaint narrative:
XX/XX/year> they are contacting my employer about a property. Ive never lived there, trying to collect the debt. They are calling me nonstop.i

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
In XXXX XXXX XXXX during the COVID government shutdown I moved and cancel my internet service with XXXX XXXX XXXX communications- I was instructed by the customer service representative at XXXX  to drop off the equipment at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. The store representative refused to open the door and accept the equipment I was told to leave it near the door and they would retrieve the equipment and process the return. I was told I didn't need a receipt as they would cross reference the model # and Serial # and my account would reflect a XXXX XXXX once they processed the equipment return. In XXXX was the first collection agency XXXX XXXX, disputed with XXXX XXXX XXXX and removed, this is the 3rd collection agency that XXXX XXXX, and now again to IC System Inc. also disputed, I have requested documentation that I have never received. Every time this disputed debts gets sold and reported to my credit file it drops my credit score by XXXX points my average FICO score is XXXX XXXX. This is a violation of the FDCPA- I will NOT pay a debt I do not owe and I should have a collection account on my credit report. I am considering legal again against XXXX XXXX and the credit bureaus. This needs to stop!!

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 2024-10-21 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:
Certified mail was received on XX/XX/year>. I reviewed my consumer report and noticed eight late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability, with maximum accuracy. I have never been late on payments for the account. Account Type : Auto Loan Creditors Name : XXXX XXXX XXXX Account XXXX : XXXX Date of Late Payment : MayXX/XX/year>, XX/XX/year>, XX/XX/year> Please investigate and provide proof with statements showing those payments were late. If proof can not be provided, I demand these payments be updated to on time as they should be, as I was never late. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
hard inquiries as followed are all FRAUD and i did bot approve any inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Personal Information for Experian NAME : XXXX XXXX XXXX My name is XXXX XXXX. Please make sure you remove any name in your system which does not match the first and last names listed on this letter. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I XXXX appreciate it if you could take care of any address that XXXX be listed incorrectly in your database. My actual address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. If you have anything in your system that is different from what I have just mentioned then delete them 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 explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Complaint against Home Depot Credit Card Issued by Citibank Respondents : 1. Citibank , N.A .

2. Home Depot ( as Co-Brand Partner with Citibank ) Subject : Violation of Fair Debt Collection Practices Act ( FDCPA ) and Deceptive Practices in Payment Plan Agreement Complaint Summary : I am filing this complaint against Citibank and Home Depots co-branded credit card program due to misleading and unfair practices regarding a payment plan that I agreed to for my credit card account. Despite my compliance with the payment plan terms, Citibank is demanding inconsistent payments and misrepresenting my account status, resulting in undue financial stress.

I was past due on my Home Depot credit card account issued by Citibank. After discussing my financial situation with Citibank, we agreed on a payment plan in which I would make a monthly payment of {$120.00} starting in XX/XX/year>. 

In compliance with the payment plan, I made the first payment on XX/XX/year>, in the amount of {$220.00}. This was acknowledged by Citibank, and I was assured that future payments would be {$120.00} per month.

Despite the payment agreement, in the next billing cycle, Citibank demanded a payment of {$250.00} for XX/XX/year>, citing that the account was still past due. This demand was made without providing detailed information about the terms of the agreement that would justify their claim that my account remains delinquent.

Citibanks actions are not only confusing and deceptive but also make it legally challenging for me to ensure that my payments are properly applied, as I am unaware of how they are determining the past due amount.

Unfair Debt Collection Practices : Citibank is misrepresenting the status of my account by demanding amounts inconsistent with the agreed payment plan. 
I complied with the plan by making the XXXX payment in good faith. Citibanks demand for a {$250.00} payment breaches the agreement and is misleading.

Deceptive Practices & Lack of Transparency : Citibank has failed to disclose critical details about how the payment plan applies to my account balance and past due status. 
Without clear documentation of the terms, I am unable to verify how my payments are applied, creating obstacles for CFPB oversight.

Citibanks miscommunication is causing financial hardship by placing me in a catch-22 situation : I am being told that my payment plan applies while simultaneously being required to make larger payments that I did not agree to.

This raises concerns about Citibanks compliance with federal regulations on fair and clear credit practices.

Requested Relief :

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 2024-10-21 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: NY

Complaint narrative:
In accondace with the fair credit reporting act convergent account # XXXX XXXX, has violated my rights. 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 funish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: MI

Complaint narrative:
I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year> 2024

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 2024-10-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am disputing the inaccurate late payment reporting on my Bank of America account ( account # XXXX, reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). These late payments are incorrectly showing on my credit reports with XXXX, XXXX, and XXXX, despite my timely payments. Under 15 USC 1666b and the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information. Please provide evidence of the late payments or correct the reporting to reflect " on time '' or " paid as agreed '' payments with all three credit bureaus.

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 2024-10-21 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: VA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you

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 2024-10-21 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX  Account Name : XXXX XXXX XXXX # XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXXXXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX NA XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: MI

Complaint narrative:
I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 



Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. 


XXXX XXXX XXXX XXXX and 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

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 2024-10-21 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: MI

Complaint narrative:
I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 



Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. 


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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: NJ

Complaint narrative:
I am disputing the inaccurate reporting of late payments on my credit report for the following accounts : XXXX XXXX  XXXX ( account XXXX reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and two XXXX XXXXXXXX accounts ( account # XXXX and XXXX, both reported on XX/XX/XXXX and XX/XX/XXXX ). These accounts are incorrectly marked as late, even though my payments were made on time, in compliance with the account terms. 

Under 15 USC 1666b and the FCRA, it is the creditor 's responsibility to ensure the accuracy of the information they report. I am requesting that you provide evidence to support these late payments, including account statements and any documentation showing I authorized this information to be reported. If such proof can not be provided, I expect the payment status to be promptly corrected to " on time '' to reflect my actual 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 non-monetary relief
Consumer complaint received 2024-10-21 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: NJ

Complaint narrative:
I am disputing the inaccurate reporting of late payments on my credit report for the following accounts : XXXX XXXX XXXXXXXX ( account XXXX reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and two XXXX XXXXXXXX accounts ( account # XXXX and XXXX, both reported on XX/XX/XXXX and XX/XX/XXXX ). These accounts are incorrectly marked as late, even though my payments were made on time, in compliance with the account terms. 

Under 15 USC 1666b and the FCRA, it is the creditor 's responsibility to ensure the accuracy of the information they report. I am requesting that you provide evidence to support these late payments, including account statements and any documentation showing I authorized this information to be reported. If such proof can not be provided, I expect the payment status to be promptly corrected to " on time '' to reflect my actual payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: CT

Complaint narrative:
On XXXX XXXX  I was double charged by a company for what shouldve been a single {$350.00} transaction. Despite both charges reflecting on my account, the company only had a single transaction on their end. They mentioned I should reach out to my bank. 

I then called Chase and filed a claim for the duplicate charge. They opened a claim and Id envisioned all was settled. On the sixth of XXXX, I returned the items to the company. Once the return was processed, Chase ended up denying my claim. This was an incorrect move because I filed the claim for the duplicate charge, not the original purchase. I called the Chase Claims department back and reopened the claim. They asked for the proof of purchase/return so I provided it to them as a PDF. This claim was then denied due to lack of sufficient evidence so I also requested a statement from the company explaining the situation from their perspective ; this was then included on a follow up claim. 

A week or XXXX later, after not hearing back about my claim, I call Chase Claims department back to find out more information about its status. I was informed that it was denied again for similar reasoning. I spoke with a supervisor who ended up just relaying the same information and suggesting I submit a print out of a physical receipt. On XX/XX/XXXX, I submitted an image of the physical receipts and called to reopen the claim. 

I called 5 days after submitting that document to check in. They said theyd pass it on and to call back at a later time. I called again about a week later and was told the claim was denied. Unfortunately I had to cut this call short as itd already been a XXXX minute phone call. 

Today, XX/XX/XXXX I tried to call again about my claim. I was told it was denied again for lack of sufficient evidence. When asking what sufficient evidence was required, they said they could give no recommendation on what else to give. How am I as the customer supposed to know what other evidence is required for their investigation? The person on the phone came off very rude and unhelpful, just reading from a script and running me in circles. 

To this day, nearly 100 days since the disputed charge, Chase has been unhelpful in resolving this situation and continues to provide no assistance.

Company response to consumer: Closed with explanation