vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
Company Keep send me letter saying that i owe them Money when I have never signed an agreement with them. This dept looks to be from XXXX XXXX. I never gave XXXX XXXX permission to sell my personal information to any one. This is the XXXX letter from Firstsource in which they have not said how they retained my information from XXXX XXXX. They have also failed to show my signature, account information. only to send letters saying that i owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX on XX/XX/year>, with an Initial Load of {$500.00} and a Fee of {$4.00} Charged. I kept it save for later use, on getting to try to use my gift card, I noticed all transactions failed and didnt go through, so I decided to speak to a customer care representative and I wasnt given answers to whats going on but I was sent a dispute form and requested for some documents ( front and back picture of my card, the purchase receipt and my valid ID ), of which I sent all DOCUMENTS as VALID & its been months without me getting a RESOLUTION to my Card, neither a Replacement Card nor a Check at my Mailing Address. Please I need help, just so I dont loose my {$500.00} funds to Incomm Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had opened a credit card account with Capital One for reward offers. I had made a purchase for XXXX airline tickets on XX/XX/XXXX ( XXXX ) and a charge for gas on XX/XX/XXXX. ( XXXX ) ; totaling {$310.00}. I made payments thru my bill pay knowing when payment were due. 
Payments : XX/XX/XXXX {$100.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$100.00} ; then, ( not knowing ) I received a referral bonus for XXXX and a Credit Cash Back Reward for {$76.00} from XXXX  XXXX, making my credits totaling XXXX which would produce a credit on my acct for XXXX. 
I received a text message from XXXX XXXX stating, My attempted purchase for {$1000.00} was denied as it exceeded my credit line. I did not attempt to charge the XXXX. I pulled up my acct and saw charges from the same company ( I have never heard of or used ) totaling {$9700.00}, mostly in XXXX increments. I immediately called XXXX XXXX to inform them I did not make these purchases. A fraud investigation was started. I received a letter from XXXX XXXX on XX/XX/XXXX, stating, " As part of our {$0.00} liability promise on unauthorized purchases, you weren't held responsible for any unauthorized charges. '' XXXX XX/XX/XXXX, Upon review of my account after this notice, I was given " purchase adjustments '' for all the charges. Then on XX/XX/XXXX, I was charged back {$4000.00}. My " current balance '' is stated to be {$3500.00}. I therefore called XXXX XXXX to inquire about this balance. I was told, " because I had made payments on my acct, I was admitting guilt that theses charges were mine as well, I had exceeded the " XXXX  day '' period in which I should have reported the fraudulent charges. I tried to plead to the worker stating that I just made blind payments on my acct because I was traveling quite a bit and did not review paper statements. I explained, " I am of low income, soc security recipient and I could not afford to pay this balance on my acct that I did not make. The employee informed me that my case was closed with their final decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-17 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: GA

Complaint narrative:
I recently reviewed my credit report and I notice that their was inaccurate information reporting to my credit report as of names, address, collection accounts that I had no knowledge of .I sent in the company enough information supporting my disputes as well as I kindly ask them to please investigate this matter and remove it from my credit report as I reviewed my report again I notice the inaccurate information is still reporting. I've also filed a XXXX report regarding this inaccurate information names reporting XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Addresses reporting XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Accounts affected by crime XXXX XXXX XXXXXXXX Account # XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX # XXXX Amount {$7900.00} XXXX XXXX XXXX Account  # XXXX Amount {$3600.00} XXXX XXXX Account  # XXXX Amount {$60.00} XXXX XXXX XXXX XXXX  Account # XXXX {$16000.00}

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 2024-11-17 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: OH

Complaint narrative:
TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking, and the information listed below, which appears on my credit report, is a result of that trafficking. 

Please block the following information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

1. ( XXXX XXXX - XXXX ) 2. ( XXXX  XXXX XXXX XXXXXXXX ) 3. ( XXXX XXXX  - XXXX ) 4. ( XXXX XXXX - XXXX ) 5. ( XXXX XXXX - XXXX ) 6. ( XXXX XXXX - XXXX ) 7. ( XXXX XXXX XXXX ) Inquiries : ( XXXX  - XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX Enclosures XXXX of identity Trafficking Documentation

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 2024-11-17 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-11-17 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-11-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Acima leasing company I hope this message finds you well. I am writing to express my disappointment with the service I received recently as a returning customer. I had every intention of completing my lease within the XXXX  days of the original transaction. Unfortunately, I missed the deadline by just a day or XXXX, resulting in significant fees for the early payoff plan. 
When I called to discuss my situation, I was hoping for a XXXX-time exception due to some personal circumstancesmy sister has been seriously ill with XXXX, and I was occupied with hospital visits. Regrettably, I learned that no exceptions could be made. While I understand policies are in place, I was disheartened to hear that I would need to pay an additional {$200.00} to proceed with an early payment.originally was {$680.00} and then it became almost {$900.00} and now its {$1400.00}. This experience has left me feeling frustrated, and I believe it undermines the loyalty Ive shown as a returning customer. I cant help but wonder how many others might be facing similar challenges with these fees. The situation has placed me in a difficult financial position due to what I believe was an honest mistake. 
Thank you for taking the time to read my feedback. I hope it can contribute to better understanding customer experiences in the future. 
Sincerely, Customer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-11-17 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 am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I filed a complaint and report to all necessary agencies XXXX  for identity theft. XXXX and XXXX XXXX had open accounts on myself that were not mine. I have never lived in XXXX. XXXX closed immediately. XXXX XXXX  has not only turned over to mercantile but now turned over to Transworld systems inc. Both company are sending bills that has already been identified as identity theft in XXXX. Now Im having to do this again. I have never been to XXXX  nor have I ever lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: MA

Complaint narrative:
Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there may be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it may impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) .I have attached copies of my identification and any relevant documentation to support 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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

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 XXXX 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 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 2024-11-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Kovitz Shifrin Nesbit, A Professional Corporation
State: IL

Complaint narrative:
I, XXXX XXXX XXXX, entered into an agreement with XXXX XXXX XXXX regarding unpaid annual HOA assessment fees. Since XX/XX/XXXX, I have been trying to pay off the debt following bankruptcy advice from a previous attorney. On XX/XX/XXXX, I agreed to a payment plan to settle the past balance of {$1600.00} within 12 months. I sent the first payment overnight on XX/XX/XXXX, addressed to XXXX. As the time for the XXXX payment approached, I realized I did not have sufficient funds, so I contacted XXXX to request a few days ' extension. She informed me that XXXX XXXX had canceled the payment plan and was now demanding full payment upfront, which I am unable to provide at this time, hence the reason for the payment plan. XXXX failed to notify me of this cancellation ; I only learned of it when I asked for the extension in XXXX. I believe my request for an extension is reasonable, as I am not avoiding the debt. I have limited income and must manage other bills 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 2024-11-17 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 am writing to formally dispute and request the blocking and deletion of multiple fraudulent accounts and credit inquiries that appear on my credit report. I am a victim of a data breach, and the accounts and inquiries listed below were opened or made without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of these items from my credit file.

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have my credit breached and a woman named XXXX XXXX has used my email and personal information to get a checking and savings account through Truist. I am adding a credit monitoring with XXXX. I did file a complaint previously in 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