vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: Credit Karma, LLC
State: OH

Complaint narrative:
I have been a customer of the service credit karma for a very long time. They have been misleading me and other customers with false advertisement saying that we have great approval odds for a credit product and then when we apply all we get is a denial with a hard inquiry and no credit extended. But then we are like I wouldn't have even applied if they didn't say my approval odds were outstanding. This has torn my credit score to shreds. I would like all those misleading hard inquiries removed from my credit profile please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: AL

Complaint narrative:
Under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I called Bank on America XX/XX/year> about an amount that I was unsure was mine. The amount was XXXX. I explain to them that I was confused as to why I still had money into my account. The bank customer service XXXX XXXX, told me that I did not calculated the amount I transfer out of my account right and that the money was mine. I was still confused so he helped me calculate the amount and to my surprise it was my money. But on XX/XX/year>, I see that my account has a negative balance of XXXX so I called Bank of America to ask why. And was told that they made a mistake. When I explain to them that I called them to make sure the money was mine, they told me that XXXX made a mistake and give me the wrong information. Now I have a negative balance on my account that I have to pay.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I was unaware that a {$7000.00} collection had been filed against me at XXXX, XXXX, and XXXX by Fair Collections & Outsourcing ( XXXX ). I have never been contacted by this company by phone or mail or any other means. I have not received a " validation notice '' so I was never given thirty days to dispute the collection before it was reported. In fact, I had no idea the collection existed until I was unfairly denied housing, due specifically to the size and recent filing date of the collection, which was related to apartment rental. The collection was filed by XXXX in XX/XX/2024, but I didn't find out about it until XXXX, XXXX. If XXXX had followed the rules, I would've received a validation notice and had the opportunity to dispute the collection before having my application turned down, with only three days left before my moving date. This collection must be deleted from all three credit bureaus immediately.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach. Fraudulent accounts and unauthorized inquiries have appeared on my credit report without my consent. I request these be immediately blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX. XXXX XXXX XXXX o Account Number : XXXXXXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/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 2024-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
My husband and I were pursuing a divorce and we called and explained to the property that we were getting looking into getting a divorce and had separated and we werent able to handle the rent individually. The property manager, XXXX XXXX, told it wouldnt be a problem he understood and as long as we were out within 30 there would be no additional fees or charges. He even sent a email stating the move out by date and the steps to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

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 2024-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: GA

Complaint narrative:
Paragon Revenue Group has made attempts to contact me about a debt that is not mines and I don't owe them. I want them to stop all collection attempts asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: KY

Complaint narrative:
under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX and I am a natural person and not a 3rd party.I am submitting this dispute on my own behalf. 

I am a victim of XXXX. The information listed below, which appears on my credit report, is a result of that XXXX.I have attached a self-attestation form from a authorized XXXX along with identification documents. 

Capital One- # XXXX XXXX  XXXX XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX block this XXXX XXXX my credit report within four days, pursuant to section 605C of the Fair Credit Reporting Act [ 15 U.S.C. 1681c-3 ] Please send me notification via e-mail at XXXX of the actions taken, I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
I am writing to express my concern regarding the security of my personal information. There have been repeated instances of information appearing on my report that do not belong to me. I have identified specific instances of misreported information that require a thorough investigation, information that has been mistakenly linked with my report, but it pertains to an account belonging to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My daughter XXXX XXXX, has been sending us money by XXXX in varying amount of {$500.00} to {$2000.00} as per our request. Last XXXX XXXX, 2024, she tried to send {$1000.00} by XXXX, and XXXX replied that the daily limit is {$500.00} per day. She sent {$500.00} on that day, and another {$500.00} the next day XXXX XXXX, 2024 to complete our request. 
I did not receive both transactions totaling to {$1000.00}. Her bank account shows that both transactions is " complete '' My daughter filed a claim on the XXXX missing transactions with Chase. The Claim Number is XXXX. 
Since we are still short of funds at that time, she sent another {$500.00} thru XXXX last XX/XX/year>, this time it went thru and I received it. 
On XX/XX/XXXX, Chase credited my daughter account {$1500.00}. We were claiming for {$1000.00} only. This was a mistake. On XX/XX/XXXX, Chase immediately reversed the {$1500.00} credit and we never heard from them up to this date. 
Please see attachments for detailed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: MS

Complaint narrative:
My credit report contains errors per 15 USC 16c-2, with unauthorized inquiries. Requesting the removal of these hard inquiries.

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 2024-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: WA

Complaint narrative:
Sezzle has a monthly fee that allows you to purchase Anywhere! The fee is XXXX. I cancelled my subscription XX/XX/year>. But they went ahead and charged me the XXXX on the XXXX. I requested a refund, they refused! Per policy they say. 
And, my granddaughter allowed me to use her debit card XXXX time for a Sezzle Down Payment only, I went into system and changed my account only to reflect my account. My Sezzle anywhere subscription previously declined so they tried to use my granddaughters card for the subscription. It wont let me delete her card, because they linked it to a 1 time purchase down payment. They grab whatever card they can to get their payment, even though I reached out to them several times and told them Not to use her card and its Fraud! Again, they took my money 3 days After I cancelled my subscription. 
Also, I asked for a hardship help. All they could do was push my payments ahead and now I owe XXXX dollars all at once. I was hoping to combine my accounts into one and make a smaller payment. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NH

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 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I requested a signed authorization but did not receive anything back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: VA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach. Fraudulent accounts and unauthorized inquiries have appeared on my credit report without my consent. I request these be immediately blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts 1. XXXX XXXX XXXX  o Account Number : XXXX** o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXXXXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: VA

Complaint narrative:
This is the same # account. That i Already put in, for ( CFPB ). 
THE # account number # XXXX The date I put in complaint was XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: PA

Complaint narrative:
My report includes unauthorized inquiries, which breach 15 USC 1681b ( c ) ( 2 ). These are harming my credit score, so I ask for their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: PA

Complaint narrative:
My account with XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX 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 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 XXXX XXXXXXXX XXXX XXXX XXXX AND 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 2024-11-14 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: PA

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX XXXX AFFIRM XXXX XXXX AND XXXX was 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 in 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 XXXX XXXXXXXX XXXX XXXXXXXX XXXX AND 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 explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I made a deposit by accident into the wrong capital account from my XXXX XXXX and asked capital to return the funds and they refused stating they couldn't make a claim or return the fund. 

I spoke with 4 different with 4 different answers as to why they could not return my money and then they refused to close my account when asked to do so, one of the worse banking experiences I've ever had over {$12.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief