vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX, TX XXXX XX/XX/year> To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for The consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. Current Address : XXXX XXXX  XXXX # XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
I demand my date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX, TX XXXX Sincerely, 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 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
Collection account from SPRINGOAKCAP with account # XXXX and a balance of {$7100.00}. The original creditor is XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Kindly take the time to thoroughly review the attached documents. It's important to carefully examine these materials to ensure a comprehensive understanding of the information provided. Your attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: NY

Complaint narrative:
I am writing to express my disappointment and frustration regarding a recent experience I had at the XXXX Costco location : XXXX XXXX XXXX, XXXX, NY XXXX, on XX/XX/year>. 

I attempted to return a XXXX mixer that I purchased approximately four years ago. Unfortunately, my return was refused on the grounds that the product was too old and could not be accepted. I tried to explain that the mixer had been kept in its box for most of those years and was only used last year. 

As I understand Costco 's return policy, customers are allowed to return items at any time if they are not satisfied, which is what I was hoping to do in this case. However, when I mentioned this to the manager, I was met with a very rude response. I was accused of attempting to abuse the return policy, which I found both offensive and completely unwarranted.

I have been a loyal Costco member for over 15 years and spend between {$4000.00} and {$5000.00} annually at your stores. I also hold a business account with Costco. Given my long-standing relationship with Costco, I was shocked by the unprofessional and dismissive behavior I encountered at this location. 

I am respectfully asking for your assistance in resolving this matter. I believe the return should be accepted based on Costcos policy, and I would greatly appreciate any support or guidance you can provide to reimburse the credit card that it was used to purchase the mixer.

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 2024-12-01 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 was reviewing my credit report and found fraudulent information.

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 2024-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica

Complaint narrative:
This is concerning direct express the SSA was depositing money into my son account my son passed away on XXXX XXXX XXXX and its coming up here on XXXX second that it will be one year I have gone to the social security administration four times to get this resolved I have asked them to contact direct express to get the money back from them and have them make a check out to social security and they can refund me the money my son has in his account they keep on making excuses for not letting the money loose first they wanted a ID from my wife she was the payee we sent that to them and social security did the same with the money in there account they have been collecting interest off that money and I think the interest should go to my wife because they are not releasing that money you can send me a email or call at ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Ive been making payments to my mortgage on time and early even payed XXXX in the same month and Fifth Third Bank has not applied my Mortgage payments causing my escrow to negative and raising my house payment due to the Fifth Third making each payment a unapplied credit. Fifth third could not give me an answer to why they are not creating my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: FL

Complaint narrative:
Subject : Correction to Previous TransUnion Dispute Request of Inaccurate and Unauthorized Information. New Request to Include The Removal of Late Payments and Inquiries. 

I am writing to formally dispute inaccurate and unauthorized information appearing on my TransUnion credit report. These accounts were added due to a data breach and are not authorized or representative of my financial history. I request immediate investigation and removal of the following accounts from my credit report : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX I request corrections for the following accounts due to inaccurate reporting of late payments. These accounts should not be closed, but the late payment entries must be removed : XXXX. XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX : XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), I assert the following rights and request specific actions to address this issue : Under 15 U.S.C. 1681i ( FCRA 611 ) : I request that the disputed information be investigated and verified as accurate. If the disputed accounts can not be verified, they must be deleted from my credit report.

Under 15 U.S.C. 1681e ( b ) ( FCRA 607 ) : TransUnion is obligated to ensure maximum possible accuracy in reporting my credit information. These accounts are inaccurate and result from identity theft or misreporting tied to the referenced data breach.

Under 15 U.S.C. 1681c-2 ( FCRA 605A ( b ) ) : I request that these fraudulent items be removed as they stem from a breach of my personal data.

Under 15 U.S.C. 1681g ( FCRA 609 ) : I request access to all documentation, records, and communications related to the inclusion of these accounts on my credit report.

Given the widespread data breaches that have affected financial institutions and compromised consumers ' sensitive information, I believe these accounts may have been fraudulently opened or erroneously reported. I demand that these accounts be thoroughly investigated in compliance with FCRA requirements and deleted from my credit report if found unverifiable or inaccurate.

Additionally, under the Federal Trade Commission Act ( 15 U.S.C. 45 ), it is illegal for businesses to engage in unfair or deceptive practices. Reporting inaccurate or fraudulent accounts on my credit report due to negligence in protecting consumer data constitutes a violation of this statute. 

I have attached all relevant documents to support this dispute, including copies of my TransUnion credit report highlighting the disputed 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 non-monetary relief
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I am submitting this dispute in accordance with the Fair Credit Reporting Act ( FCRA ) to request the removal of several accounts that are not mine and have been fraudulently reported under my credit profile. As a survivor of XXXX XXXX my identity and personal information were compromised, resulting in the unauthorized opening and reporting of these accounts. 

The following accounts do not belong to me 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 These accounts were opened or reported without my knowledge or consent. This constitutes a violation of my rights under the FCRA, particularly : 1. **15 U.S.C. 1681 Section 602 ( a ) ** I have a right to privacy and protection from inaccurate reporting of accounts that do not pertain to me. 
2. **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ** Consumer reporting agencies are prohibited from furnishing accounts without my written consent.

I have attached documentation to support my dispute, including a personal statement regarding my XXXX  situation and any additional records, if necessary, to facilitate your review. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide updates on the resolution process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: LA

Complaint narrative:
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: LA

Complaint narrative:
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-12-01 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: TX

Complaint narrative:
PLAINTIFF : XXXX XXXX XXXX Repeated offender DEFENDANT : BONDED MUST BE REVIEWD BY A HUMAN MUST BE REVIEWED BY A HUMAN VIA XXXX XXXX XXXX REQUEST CERTIFIED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEAR DEFENDANT XX/XX/XXXX MY XXXX NAME READS XXXX XXXX XXXX XXXX MY XXXX ADDRESS READS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX MY XXXX READS : XX/XX/XXXX MY SSN LAST XXXX READS : XXXX My First & Last MIDDLE name are as follows : : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and ACCURATE information on my credit report per FCRA regulations 15 USC 1681a and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue, My First & Last name are as follows : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX After you have completed my request, please send XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX me a copy of my credit report reflecting these changes. My current address is YOUR COMPANY IS SETTING ME UP FOR IDENTITY THEFT FRAUD PRIVATE AND PUBLIC FRAUD IF MY MAIL FROM YOUR COMPANY ENDS UP IN THE HANDS OF A SCAMMER XXXX WILL BE LIABLE AND I WILL SUE FOR NEGLEGANCE! DELETE ANY NAMES ADDRESSES ALIAS THATS NOT IN THIS LETTER THAT IS HOUSING ON YOUR PLATFORM! 
AFFIANT .Annilysa-Simone : XXXX XXXX Beneficiary OF ACCT XXXX XXXX XXXX not the TRUSTEE XXXX WITHOUT PREJUDICE ALL RIGHTS RESERVED

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, IN XXXX Subject : Request for Form 1099-C ( Cancellation of Debt ) Dear ONEMAIN, I am writing to request that you issue a Form 1099-C ( Cancellation of Debt ) for the debt that was canceled in my account XXXX with your institution. As required by IRS regulations, I understand that you must report any canceled debt of {$600.00} or more, and I want to ensure that this is accurately reflected for my tax reporting. 

As reported in my credit reports, the canceled debt relates to the amount of {$1700.00} and was discharged on XXXX. Please send the 1099-C to my address listed above or provide instructions if there are any further steps required to receive the form. 

If you need any additional information, please do not hesitate to contact me. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
I went to XXXX XXXX XXXX to with the intention of only looking at the furniture. The sales associate persuaded me that I could get a sofa on credit. I was able to get it with Fortiva everything seem to be going good but I was down to under {$600.00} in payment to my surprise my bill is at {$930.00}. when I enquired about the company representative called XXXX told me in a text, we see that your 12 months deferral promo was expired on XXXX an interest charge of {$330.00} was charged to your account. This is the exact words in the text. 
I am upset about this because I was never told that from the furniture store or Fortiva when I applied for the credit. They are making it impossible to get this bill paid off. I have been paying on this purchase for 12 months and they never said anything although they claim its in the statement with an additional {$43.00} dollar fee every month. I pay my bill online and I am ill now missing days from work. It is not right the practices of these companies. I am not sure what will happen by reporting this but other consumers have to know its not right they are taking advantage. And they also applied an annual fee of {$79.00}.

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 2024-12-01 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX which claim I owe for a collection account XXXX. ) # XXXX, {$1200.00}, account XXXX. ) # XXXX, {$1200.00} account XXXX. ) # XXXX, {$2100.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collection agency can not place a collection on a consumer report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Also, a collection agency has no authority to furnish ant account to a consumer reporting agency without providing any and all disclosures required by lawand they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I owe, is a violation of the CFR, FCRA and FDCPA : therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: IL

Complaint narrative:
To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, ILL XXXX Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. 
XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$1500.00}

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history witH capital 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 in 60 - 90 DAYS to be removed.

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. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation