vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc.
State: WI

Complaint narrative:
In XXXX I received what I though was a fishing scam. I received a thank you card from advance america. I discarded it moved on. Recently I have received multiple calls from Advance America stating I owe money. Initially I again thought this was a fishing scam since I have never applied with this company. Yesterday they called and I spoke with a woman ( XXXX ) who wanted me to confirm my social-I was obviously not going to do this. When I got home from work, I received a notice via XXXX to cure default. Today I called Advance America ( spoke with XXXX ) and they stated there was a loan taken out in my name with at least the last 4 of my ssn. I have not ever taken a loan out from this company and would never. I have attached the notice that was sent. And am currently working to file a claim with company as well as the CFPB. Please advise on how to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TN

Complaint narrative:
TRANSUNION has violated my consumer rights by reporting inaccurate information. The creditor has also violated my consumer rights by reporting inaccurate information to TRANSUNION. The creditor has not validated the 30-day late payment and is willfully causing further injury to me. I will submit another complaint for an opportunity to cure and expect this matter to be resolved immediately. 

I received a copy of my credit report and found the following item listed below to be an error. XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and XXXX due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.

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 2024-12-05 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: MI

Complaint narrative:
I am writing to formally resubmit my complaint to EXPERIAN regarding the inaccuracies present on my credit report, and to express my dissatisfaction with the lack of action taken to remove these inaccuracies. The data reported on my credit file is neither verifiable nor substantiated by proper documentation. I believe that these items are not compliant with the Fair Credit Reporting Act ( FCRA ) or the Fair and Accurate Credit Transactions Act ( FACTA ), and I request that they be investigated and removed promptly. 

My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX. My date of birth is XX/XX/. The associated FTC complaint report number for this issue is XXXX. 

I have identified potentially inaccurate and unverified inquiries and accounts on my credit file that lack my authorization. These items appear to violate provisions of the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ), which requires that credit reporting agencies provide accurate and verifiable information. Additionally, these items may be in violation of FACTA, Title 1, Section 151, which mandates the proper authorization and verification of all information reported. 

As a consumer, I am asserting my rights under both federal and state consumer protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a formal dispute of the information reported and a request for an immediate compliance check in accordance with the FCRA and FACTA. 

Thank you for your prompt attention to this matter. I expect a response within the timeframe required by law and anticipate that the inaccuracies will be addressed accordingly.

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 2024-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is complain about CAPITAL ONE CREDIT CARD I purhase product from XXXX I paid to XXXX XXXX  XX/XX/XXXX, Payment Transaction ID : XXXX - {$6500.00} USD I used XXXX to pay for this transaction Then XXXX used Capital one to process the payment see attach XXXX XX/XX/XXXX XXXX XXXX ... XXXX {$6500.00} screenshot XXXX Then I did not heard from the seller for long time and I decided to open dispute Case details Case ID : XXXX XXXX XXXX XXXX  Disputed amount : {$6500.00} USD Shipping address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Date reported XXXX XX/XX/year> Invoice ID : XXXX Then problem was resolve and I close dispute Your responses XX/XX/year>, XXXX PDT You notified us that youll no longer be disputing the case with your financial institution.l Meanwhile Capital credit card was notify as well When I notify the that I want to dispute charges they transfer money back to my account.screen shot XXXX. 
Then I told them I want to cancel dispute they perform following transaction see screen shot XXXX and send me a letter see XXXX In this letter they saying that they talk this amount of {$6500.00} out from my account, but it does not say anywhere where these money went. 

I ask to provide me documentation of my money location or reversal of charge back receipt. 
They refuse to provide any of these documents or tell me location of my money. 

They claiming that money went to XXXX, but XXXX saying that they do not have money too. 

Latest development was that XXXX told me that money were transfer to the seller, but how it's possible if in the same time they claiming they do not have money in their possation. 
XXXX also refusing to provide any documentation to proves their claims. 

Bottom line I do not know who actually stole my money. It's been over 90 days already. 
Last time I talk to XXXX manager and she told me that it's going to be another 75 days. 

I do not think I am going to see my money even after 75 days. I think these money are stolen Dispute number for capital is XXXX Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-05 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: MO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-05 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: FL

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX - XXXX - {$0.00} ( XXXX & XXXX ) Bankruptcy XXXX  XXXX Bankruptcy - XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my credit report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Account XXXX Account XXXX Account XXXX XXXX Account XXXX Account XXXX XXXX Account XXXX Account Name XXXX XXXX Account Number XXXX Account XXXX XXXX Account XXXX Account NameXXXX XXXX Account XXXX XXXX XXXX Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  XXXX Account XXXX XXXX ccount NameXXXX XXXX XXXX Account XXXX Account XXXX XXXX Account XXXX Account NameXXXX XXXX Account XXXX Account XXXX XXXX XXXX Account XXXX Account NameXXXX XXXX XXXX  Account XXXX Account NameXXXX XXXX  Account XXXX XXXX XXXX  Account Number re XXXXXXXX XXXX XXXX XXXX. Account/Serial # : 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 2024-12-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a debt collection agency, has improperly furnished the credit file without debt collection notice being sent prior. The collection agency in this dispute has sent several debt validation letters and has refused to honor prior disputes through Equifax. The collection agency has been notified that the collection account is in litigation .... As advised a debt collection notice and debt validation letter are completely different in their entirety. XXXXXXXX XXXX XXXX can not collect on a debt that I have not verified the accuracy of first, by way of receiving a prior Debt collection notice first. The law advises 30 days is granted. Attached to this dispute I have notified, XXXX XXXX XXXX XXXXXXXX ; CEO in an email, dated, XX/XX/year>. After the collection agency has verified disputes of this matter to the credit file avoiding there violations of " NOT SENDING A DEBT COLLECTION NOTICE ''. I am requesting information furnished to the credit file in regards of this account reported without abiding by FCRA and FDCPA to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
My debt to the doctor 's office was {$1000.00} and I wanted to pay the same day the collection company called me, but unfortunately they ask for {$1400.00}, they also put it on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The statute of limitations on debt in the state of Texas is four years which makes this supposed debt a time barred debt. According to the FCRA once a debt is time barred it can not be reported to the credit bureaus which means LVNV Funding is in violation of the FCRA. I have disputed this with the credit bureau and LVNV Funding refuses to remove this from my credit report and so I am reporting their FCRA violation to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
about 26 months ago I purchased equipment from XXXX with an XXXX credit card for a promotional interest rate of 0 %. AT some point, not sure when, XXXX went out of business and Comenity Bank took over all credit card accounts. Maybe XX/XX/year>? At some point Comenity Bank decided to back charge me interest on original balance in excess of {$800.00} at one time and now continues to charge 30 % interest monthly. I believe my balance was less than {$800.00} and now it is {$1600.00}. I can not gain access to my account online even with a link they sent me and they are aware of it. Sent me a statement I can not open to get an account number and nothing on it but payment due and date. I called them again and asked for account access, copy of original promotional interest agreement with XXXX and could not get either. I am frustrated with their position as I find it unfair and crippling financially for a XXXX  citizen on fixed income. I sent them a letter requesting all of the above, documentation, account number and on line access with a 30 day turnaround. I also requested they rescind the {$800.00} interest they added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
I contacted transunion abt the fraudulent account on my credit report. XXXX XXXX  and XXXX tht isn't mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I seeked information regarding 2 credit cards on 2 separate dates. 1 for a personal account in XXXX and 1 for a business account in XXXX. I never submitted a request for the cards only information. Both times a hard inquiry appeared on my report. I am trying to purchase a house and I do not need these unauthorised inquiries on my report. The second inquiry I was not committing any fraud, I followed XXXX XXXX requirements of reporting a personal account while trying to open a business account. While trying to read the terms and agreements page it did not properly load and I pressed the refresh page and the application was submitted and approved and immediately I received 4 notifications from XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX that a NEW hard inquiry appeared on my personal credit report. I never requested this I immediately contacted them and asked them to remove the inquiry and they told me they withdrew the application as it was not intentionally submitted ( the account was approved ) but I didn't care and it was not my plan. I did not wish for the inquiry on my personal credit and I did not authroize it the credit report was enquired using my EIN which is valid and up to date. On there application there was no place requesting for my personal social security number. I did not authorise this and I politely request the removal of these 2 inquiries from my report. The same thing happened with the personal inquiry in XXXX I never requested credit from them and I never received anything from them. I was out of the country and this is why I am asking this now in XXXX and not in XXXX. 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 2024-12-05 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:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: CA

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2024, I disputed an inaccurate account reported by XXXX XXXX on my Experian credit report. The account, which was charged off and sold to XXXX XXXX XXXX XXXX, remains listed under XXXX XXXX despite their relinquishment of ownership. This reporting is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ) and other federal laws. 

XXXX XXXX no longer has a permissible purpose to report this account, as it was sold and likely claimed as a tax deduction. Experian updated the account but failed to remove it entirely. This unresolved inaccuracy harms my creditworthiness and creates financial stress. 

I am requesting CFPBs intervention to ensure Experian removes this account entirely from my credit report and provides written confirmation of the removal.

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