vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
The company has not sent proof of the debt being mine. I also have no knowledge of this account. 

Southwest Credit Systems opened XX/XX/year> Ive tried calling but no one answers or trys to help me get this off my credit report. This account has been listed in my identity theft case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc.
State: GA

Complaint narrative:
Rozlin financial group has claimed I owe a debt for XXXX its not mine Ive told them it was XXXX XXXX and showed them forms from ftc and police reports proving it wasnt mine theyve been reporting it to my credit Ive told them to cease and desist and Ive also asked them for debt validation they cant provide the original signed contract or where they have ownership of the debt they also dont have a license to collect in my state this debt is also 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 explanation
Consumer complaint received 2024-06-21 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: FL

Complaint narrative:
I was reviewing my credit report and noticed an inquiry that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services
State: NC

Complaint narrative:
On XX/XX/year>, I received notification that a hard inquiry hit my credit report. This was not authorized by me and I did not initiate the request. I reached out immediately and did not receive a response. I received a call the next day asking if I wanted to finalize the loan. Of course I said no and explained what happened. She said someone would contact me with more info. Nobody ever followed up. This is the second complaint Im filing because they closed the first XXXX due to insufficient information. I need this removed off my credit report immediately, for you to remove my name and info from your system, and to know who authorized this and any information along with where they tried to have the money sent so I can open a formal identify theft investigation. 

DO NOT close this complaint. I have included my contact information. There is not a loan number to include since it was not successfully opened. However, I still need this corrected and for it to be removed off my credit report. I am now seeing it listed twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, 2024, I noticed through my Citi bank mobile app an unrecognized purchase of XXXX dlls and a withdrawal of XXXX dlls in the same transaction, being a total of XXXX dlls. 
Immediately I opened a Dispute in my bank, I reported that I had my debit card with me in my wallet and no one have access to my debit card or my Pin number, however my Debit card was Cloned and my Pin number probably recorded in an ATM, which is the only place where I use my debit card, I never do purchases or withdrawals from a store. 
A few days later I got a letter from them, saying that since de debit car was in my wallet, and no one have access to my Pin the dispute is rejected. Immediately I called them back again on XX/XX/XXXX and they ask for XXXX naturals days but until today XXXX XXXX, 2024, I didnt get news from them, so I just called them and told me again this is rejected and they said are sending me all the proofs, also they said they reject for the same reason, so Ill get the proofs soon to share to you. 
This unrecognized purchase and withdrawal were posted in XXXX  in a store called XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I need to declare that Ive never been there in my whole life, so it is impossible to get this charge while I was working in XXXX XXXX XXXX . 
I need your help to get justice and a fair solution for 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 monetary relief
Consumer complaint received 2024-06-21 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: PA

Complaint narrative:
My account with AFFIRM INC was never late! I have had exceptional payment history with AFFIRM INC 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 XXXX  2022 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 XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  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
Consumer complaint received 2024-06-21 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: P&B Capital Group, LLC
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: CO

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: IL

Complaint narrative:
I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's 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 explanation
Consumer complaint received 2024-06-21 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: NV

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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. 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 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 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 2024-06-21 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: ND

Complaint narrative:
I filled this consumer complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 consist of XXXX personal credit card accounts opened at XXXX XXXX XXXX on XXXX XXXX,2019 under the account number XXXX and the other personal card account opened at XXXX XXXX XXXX  on XXXX XXXX under account number XXXX, and XXXX personal loan account opened at XXXX XXXX XX/XX/XXXX under account number XXXX and the other personal loan account opened at Upstart/Finwise on XX/XX/XXXX under the account number XXXXand a collections account opened at XXXX XXXX XXXX  XX/XX/XXXX with a balance of {$1300.00} that appears related to the aforementioned personal loan account opened at Comenity capital bank and another collection opened at XXXX XXXX  XX/XX/XXXX with a balance XXXX XXXX.These accounts along with the collection listed appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collection are the result of identity theft and fraud. I have attached a copy of FTC XXXX XXXX XXXX XXXX XXXX  XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-21 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: TX

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 explanation
Consumer complaint received 2024-06-21 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: NV

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Reporting Credit Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX : XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2, they are supposed to 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 2024-06-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please help with account I'm a victim of identify theft from a roommate of 20 years who was activeing my cards finding out my pin numbers to multiple 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 explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The EQUIFAX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
I purchased a {$500.00} Vanilla Visa Gift Card from my local XXXX on XX/XX/XXXX. However, when I removed the gift card from the packaging and tried activating the gift card online, I saw there was a little more than {$8.00} value left. My gift card was drained before I could spend it. Transaction history showed that the scammer bought a {$200.00} XXXX gift card on XX/XX/XXXX, spent {$44.00} at XXXX XXXX on XX/XX/XXXX, a {$100.00} XXXX gift card on XX/XX/XXXX, spent {$47.00} at XXXX XXXX on XX/XX/XXXX, and finally another {$100.00} XXXX gift card on XX/XX/XXXX. These purchases were not made by me and I submitted a dispute on XX/XX/XXXX. In retrospect, the gift card cardboard packaging opened too easily, like following along the weak spots of premade cuts and creases, and not like other gift cards I've opened before. The letter font on the gift card itself looked suspiciously different than other ones I've seen before, and the ink color appeared faded and worn, not bold and crisp. I contacted XXXX XXXX to inform them of the fraud on XX/XX/XXXX. I called XXXX Customer Service to explain my situation in hopes of reversing the charges, but to no avail. I filed a dispute with InComm of Vanilla Gifts in hopes of retrieving my lost funds, but was disappointedly declined approval of the dispute based on their evidence, with a formal final letter sent to me via email by the company on XX/XX/XXXX. However, during the investigation, I tried contacting the InComm Dispute Resolution Team via email on two separate occasions ( XX/XX/XXXX and XXXX ) to inquire about updates on my case number - XXXX - and see whether they need any evidence or testimony I could provide. I did not receive a reply from the Resolution Team throughout the whole duration. Calling the provided customer service line only lead me in an endless circle of automated menu option responses without being able to actually speak to a representative, with the most recent call being placed on XX/XX/XXXX. The only " answer '' I received after entering my afflicted gift card number was a robotic voice that said " an investigation is ongoing and returning to main menu ''. I could only track the status of my case number online to see an estimated resolution date, but was not able to communicate with InComm or its affiliates in any way. On XX/XX/XXXX I submitted a fraud report to the Federal Trade Commission ( FTC ) as I've become another victim of the gift card draining scam, and I feel evidently powerless to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my consumer reports and noticed that i had TWELVE late payments on an accounts that 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 : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigation and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be update to on time as they should be as i was NEVER late. Thanks.

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