vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX  DONT OWN THE DEBT! BECASUE OF SECURITIZATION THIS DEBT WAS SOLD TO A TRUST assignment agreement contract is requested I requested over and over for the signed contract between XXXX and myself. I'm requesting the contract bearing my signature! also the license to collect in XXXX. the company is only presenting a bill from that company not that i owe XXXX and has not shown proof i owe them any money. a bill is not VALIDATION OF XXXX. A signed contract is what is requested and if can not provide need to delete from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: CA

Complaint narrative:
I recently looked at a copy of my credit report and I noticed a fraudulent account on my report. Please remove the fraudulent account on my credit report as it is hurting my ability to obtain credit. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute with TransUnion on payment history on XX/XX/year>. as of XX/XX/year> i have no access to my TransUnion credit report. I can still log in.. but I am prohibited by 'the system ' from seeing my credit report because there is an active dispute. How does questioning my report preclude me from viewing my report? TransUnion is the only agency that blocks access. 

The suggested resolution i was given my TransUnion : Cancel my dispute and I'd get access back...

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I routinely use Affirm to finance activities associated with my profession of a stagecraft teacher where I have to purchase supplies to build a set on a teacher 's income. I have set up several loans through Affirm. I also have had to take some XXXX XXXX time away from education. I had some difficulty managing finances in XXXX, and affirm could not be paid due to lack of income. They reported each loan as it's own credit card to the credit agency. I have since come current with all these accounts and some of these loan 's are reported now as " closed. '' I have been regularly checking in with them to see if they update their system, they are telling me they update every XXXX  days. But they do not. I have regularly pulled information since XX/XX/XXXX and it is now XX/XX/XXXX and they're still using XX/XX/XXXX 's information to make decisions despite the fact that the reports do not seem to act quickly enough. The holidays are here and I had hoped that this account would simply recover and it isn't, they are not even updating information in a timely fashion that is part of their policies. This is predatory behavior. I was bated into believing this is XXXX account, they then intern report to a credit agency and when I come current they are not interpreting their own reporting properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: NY

Complaint narrative:
To Whom It May Concern, Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I am writing to formally dispute inaccuracies related to the account listed below on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX ( XXXX ), I am requesting an immediate investigation and removal of these account if it can not be verified as 100 % accurate. 
The accounts : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX. 
Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of all information on my credit report. If this information can not be verified or corrected to reflect complete accuracy across all three credit reporting agencies, I demand that it be removed from my credit report immediately. Additionally, I am requesting that you complete this investigation and provide a written response within XXXX days of receiving this letter. Failure to address this matter appropriately will result in my pursuing legal action to collect {$1000.00} in damages for each inaccuracy, as provided for under the FCRA. I expect prompt action to resolve this matter. Please send a written response to the address listed above or contact me at the provided phone number or email address. Thank you for your attention to this matter.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2024-12-13 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: GA

Complaint narrative:
XX/XX/year> was the deadline to pay XXXX XXXX. I paid via phone. However, because the payment was misapplied, XXXX reported the account in error between XXXX. I disputed with Experian in XXXX. 

After its internal investigation concluded on XX/XX/year>, XXXX agreed to remove the entry from ALL credit bureaus. However, despite my XX/XX/year> dispute with XXXX AND multiple disputes with Experian in XXXX and XXXX, the information remains. Not only does it remain on my credit, I am unsure how XXXX and XXXX validated the account, despite the documentation. My prize is now the balance was updated to {$0.00}, but it still caused my credit score to drop when I purchased my car XXXX. 

I even had my attorney write a letter, which was also ignored, as the information remains.

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 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2024-12-13 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: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Re : United Airlines VISA card A number of fraudulent charges were made against this card in the early XX/XX/XXXX. After the first request to the number listed on the back of this card, XXXX most of the charges coming apparently from XXXX XXXX were removed however XXXX charge was not. The card was cancelled and a new one issued. The charge of {$140.00} made by a XXXX XXXX on XX/XX/XXXX was not removed. This charge mysteriously doubled to {$280.00} a few days later. On the second call to the number above I was again promised by an agent who incidentally spoke poor English that the charge would be removed. The charge remains. I have been lied to twice. 

There is something amiss here beyond errors or plain incompetence and I respectfully request an investigation. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: IL

Complaint narrative:
I require your help to resolve the issue of an incorrect account on my credit report. This has been detrimental to my reputation as a customer, and I am asking for these accounts to be removed due to their inaccurate and negative reporting.

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 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I made my payment to American Express on the Due date of XX/XX/XXXX in the amount of {$3600.00}. I got notice that payment was past due a couple of days later. I called AMX on XX/XX/XXXX and was told the payment was being processed and would show up in my account in 24hours. On XX/XX/XXXX I called AMX again and was told they did not have my payment althought my bank confirmed that an electronic payment had been made and cleared on XX/XX/XXXX. After 9 phone calls to AMX, the agent was able to locate my payment and told me it had been applied to an account that had been closed since XXXX. Due to AMX policy, this payment could not be applied to my active account and I was told I would get a refund check in 7-10 business days on XX/XX/XXXX. So I borrrowed money from a friend and paid my active account. On XX/XX/XXXX I called AMX inquiring about my refund check and was again told it would be another 7-10 business days. I request this situation be elevated to AMX leadership but was unable to submit an actual complaint or speak with anyone that could give me more definitive information on the status of my refund check. My concern is that AMX ( a ) applied monies to a closed account ( b ) several AMX agents could not find the money ( c ) promised to refund as yet to be fulfilled and I was quoted another 7-10 day period to expect receipt. I have absolutey no conficence in AMX refund process or when I will actually get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Sezzle Inc.
State: MD

Complaint narrative:
Sezzle Charged my account for some subscription that I never ever authorized. I noticed it was taken without my authorization since the month of XXXXXXXX XXXX 

I have called them and they canceled but REFUSE TO REFUND MY MONEY. 
Sezzle XXXX {$12.00} Paid Placed : XX/XX/year> Sezzle XXXX  {$12.00} Paid Placed : XX/XX/year> Sezzle XXXX {$12.00} Paid Placed : XX/XX/year> Placed : XX/XX/year> Sezzle XXXX {$9.00} Paid Placed : XX/XX/year> TOTAL = {$48.00} This is the amount I asked to be refunded to my account but they refused. I had not authorized this. I want them to refund my money immediately to my account. 


I spoke with a representative called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nicholas Financial Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 explanation
Consumer complaint received 2024-12-13 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: NC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have a XXXX  credit card with Barclays. 1.5 % of my money should go to my daughters XXXX account each month- XXXX is suppose to do this. In XXXX they were putting the money into my XXXX account monthly as they should. Then they stopped putting the money in and XX/XX/XXXX they put a lump sum of {$1400.00} and they have not put any money in my XXXX account since then. I went the XXXX web page and I have over {$1400.00} again just sitting in the XXXX web page. I have reached out to XXXX- they don't have a phone number to call and the emails just keep telling me to try again to reach out to my XXXX. So they are holding my money I am not recieiving interest on the money plus I should be getting 1.5 % because it is linked to my XXXX however they are only giving me 1.2 % because they told me it is not linked to my account. I have written to them at least 20 times and they write back very late so I am assuming they are not in the USA. I am concerned I will not get my money to my daughter for her XXXX college fund. 
I reached out to the CC Barclays and after the 3rd time I called they said they would file a case and reach out to me if they find anything out.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This is not my loan. This is fraud. I contact the company tried to let them know that this was fraud and that my information was stolen at the time of this car being purchased. They still are trying to put This off on me they also put this on my credit as repossession when this is not my vehicle. I tried to explain this to them many many times then I listening and theyre still reporting this to my credit report..

Company response to consumer: Closed with explanation