vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I made a purchase from a company called XXXX. Their product was completely misadvertised, and cost {$150.00}. I filed a dispute with my credit card company when the product arrived and I realized I had been scammed, and ultimately returned the item. 

All is clean on the credit card ; XXXX. 

Paypal, however, is showing money due to Paypal for {$150.00}. I don't use Paypal for anything and never hold a balance. 

Paypal strictly provides confidentiality of my credit card information ; that's it. 

Now Paypal has me locked up so I can't use the service, and won't let me close the account due to their claims I owe them {$150.00}, which I don't. 

I sent them a letter, and called, but they will not fix it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cottonwood Financial Ltd.
State: CA

Complaint narrative:
This company XXXX XXXX XXXX located in XXXX  left a message on my relatives voicemail who lives out of state from me. I called them at the number they left today XX/XX/XXXX. This company claims that they are attempting to collect a debt that was issued in my name in XXXX in California online from another company called Cash Store. I have never been issued a cash advance loan ever ; I have never previously qualified for a loan because I never established credit and I would never apply for those loans because I consider them predatory high interest loans. I asked XXXX to send me a debt validation letter with a copy of the loan application and they said they dont have copies. They also have the wrong social security, it wasnt mine. I informed XXXX that in order for a loan to be issued it must match the borrower. They said it was done online. I told them I was disputing this debt collection because it was fraud and if there was any loan issued from Cash Store it would be due to identity theft. I called Cash Store and they informed me that they have no record of a loan ever being issued in my name or that social security number. Cash Store also stated that they dont issue loans in the state of XXXX  XXXX When I requested they investigate this as fraud Strategic said they took that as a refusal to pay the debt and that Cash Store is pursuing a lawsuit in XXXX XXXX XXXX and that they filed something in XXXX. I believe this company is a scam collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: CA

Complaint narrative:
please remove this negative account from my profile XXXX XXXX account number 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new 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 non-monetary relief
Consumer complaint received 2024-07-16 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
identity theft, These accounts Genesis credit managemen and XXXX XXXX XXXX  do not belong to me. I have no contract with either of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to file a complaint regarding an attempt to collect a debt that is a result of identity theft. The original creditor is listed as CITIBANK N.A. However, I have never had any dealings with CITIBANK N.A. and do not have any accounts with them. Despite this, a collection agency ( XXXX XXXX XXXX XXXX ) is attempting to collect this fraudulent debt on behalf of CITIBANK N.A.

The collection agency 's attempts to collect this debt are causing significant stress and concern. I believe this account has been created fraudulently due to identity theft. 

A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practice. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly, they violated my rights. 
I request that the investigate this matter and take appropriate action to ensure that the collection agency ceases its attempts to collect this fraudulent debt. Additionally, I request assistance in ensuring that CITIBANK N.A. acknowledges this as a case of identity theft and takes the necessary steps to rectify the situation.

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 2024-07-15 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: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I have unable to make an online payment for my Target RedCard account. The option is simply missing. The autopay I had previously set up is no longer processing and I no longer have an option for that, either. 
The option to contact support is also non-functional. 

I have tried multiple devices and multiple browsers. 

Contacting via phone has been unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: TN

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-07-15 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: TN

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
My sister was helping me start my credit line and we tried to open a credit card with Capital one and it showed that someone had made a account in my name, So I called Capital One to see whats going on because I never open a credit line before I was starting to open up so I could start building up my credit. The Capital One Customer service says that the account been open for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This XXXXt is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing XXXX XXXX and is affecting me 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 2024-07-15 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: NC

Complaint narrative:
My account with ( XXXX XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX XXXX to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX ) 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 2024-07-15 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: NC

Complaint narrative:
My account with ( XXXX XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX XXXX to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX ) 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 2024-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
Past couple months, I have been getting texts regarding a debt I owed XXXX XXXX XXXX. I have not had an AT & T account for over 3 years. I specifically remember when I closed out the account because they attempted to keep me as their user and I mentioned that I was with XXXX. So I specifically remember myself closing out the account and leaving no balance. 
When I began receiving debt collecting texts, I knew it was a scam and would automatically Delete and Report. They would use a different number each time. Just to be sure, I reached out to AT & T and they said my account was closed out and that was the end. I thought that was the end. 
I noticed today XX/XX/year>, in XXXX and XX/XX/year>, they have impacted my XXXX XXXX. XXXX points. I immediately searched their name CREDENCE RESOURCE MANA. They had reviews of horrific experiences with their customers support service. How they were using abusive language and asking for personal information they should not be asking for. I was sure it was a scamming company and did not call them. I did not want them getting any personal information to possibly escalate this to a bigger problem. And with development of AI, I did not want them getting a recording of my voice to use it for even more severe scamming. 
I immediately reported for Identity Theft and XXXX through XXXX. They said a follow up police report or FTC report would be useful. 
I hope we can get to the bottom of this and stop this scamming company. 
I hope I can also save my XXXX XXXX from getting faulty impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

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

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK SS Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
On XX/XX/XXXX I went to open a new account with Truist with a check from the wv treasury. It is my retirement refund check. I opened the account and then a few days later I received my debt card I tried to activate it and they said I would have to call because there was a problem with my card. The next day I called and they said my account would be closing and they could not tell me when I would get my funds back that had already been deposited into my account. On the XXXX the bank cashed the check gave me {$1000.00} from it and then deposited the rest into my account. Truist XXXX number could not give me any answer and said that the analyst where the only ones who could answer my questions but the analyst do not take phone calls but they. Could leave a note on my account and have them call me back. In the last XXXX weeks Ive called them almost every other day requesting a call back or answer and I have not received either. The check was a Truist check that I was putting into my Truist account. It was also from the state treasury, I called them to see if they could help. They called the bank and the bank said they were trying to get ahold of me but I received no call or email or letter other then from the XXXX one said my account was on hold funds would be Available the XXXX of XXXX, one saying my account would be on hold and one saying it would be closed. All three came on the same day.

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 2024-07-15 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: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called Equifax to have a collection item removed from my credit report since I came to a Pay to Delete agreement with the collection agency. The first 2 representatives I spoke with did not want to help me and informed me that I would have to wait 30 days for a dispute to be finalized then I could submit a request to have the item updated as paid and that they would not remove the item from my report. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report. I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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