vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Had nothing but problems with company from day XXXX. Started services with XXXX XXXX XXXX when moved. Took 3 months for them to acknowledge there was even an account in my name. Only way they finally found the account was because I was looking for a new cellular company and when they ran their searches finally found an outstanding balanceThen tried to tack all sorts of fees and charges to late bills. I had names for corporate people I had talked to in regards to trying to make a payment. After consistently having higher then promised bills I asked for the service to be disconnected, returned equipment and was told they would close account. Now I am finding it on my report and no one can find previous records to assist this point

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: TN

Complaint narrative:
Original Creditor : XXXX XXXX Date Opened : XX/XX/year>, Balance Reported : {$3900.00} Current Status : Charge-off Reasons for Dispute : Lack of Notification : I was not notified that this account would be reported as a charge-off on my credit file, nor have I received any formal notice of such action. This omission constitutes a violation of my rights under the FCRA, which mandates that consumers be notified of significant negative actions being reported to credit bureaus. Violation of FCRA : Under the FCRA, you are required to ensure maximum possible accuracy when reporting information. The lack of notification and the inaccuracies outlined suggest a failure to comply with these obligations. Unverified Information : I request that XXXX XXXXXXXX provide verification of this account, including detailed payment history, any communications regarding this account, and documentation of the charge-off status. I respectfully request that you investigate this matter and provide me with a written statement detailing the findings. If the investigation reveals any errors or unverifiable information, I request that you remove this entry from my credit report and provide me with an updated copy. Please note that under the FCRA, you are required to complete your investigation within 30 days. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Hi was conttacted by a company called XXXX XXXX XXXX XXXX. '' They offered me a job with setting appointments for their company. They said I would need qualify through affirm 's credit. This was to purchase a course. They did not really explain any details but just that if I make 10 qualifying appointments by the first month they would wipe the balance of the credit. I later found out that the company provides fraudulent promises and will not return the credit payment as promissed. I then contacted Affirm 's customer support multiple times in which they said they would contact me back with next steps within 3-5 business days. However, they did not, and would simply just mark the case as closed/ resolved without giving a definitive answer or follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TomoCredit Inc.
State: MA

Complaint narrative:
This company REFUSES to cancel my subscription with them. They keep trying to charge me {$34.00} every XXXX day. I have TRIED TO CANCEL THIS SINCE XXXX. They're still charging my bank account. I don't know what to do anymore. I'm at the point to where I need to create a whole new bank account just to stop this. They aren't even reporting to my credit report anymore. They're just taking the money, or attempting to. 

My e-mail for TomoBoost is : XXXX There are HUNDREDS of people who are in the same situation as me. There are several class action lawsuits in place against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> I sent a XXXX to the wrong phone number. So it went to wrong person. It was XXXX and they did not want to refund me. They told me to reach out to XXXX XXXX and ask her for the money back, but she said no. She thought I was trying to scam her. XXXX XXXX XXXX XXXX XXXXXXXX XXXX was the person the money was supposed to go to. Their phone number differ by one number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Due to 15 u.s.c 1681 ( a ) Accuracy and fairness of credit reporting 1681 ( e ) Compliance procedures ( b ) Accuracy of report 1681s-2 Responsibilities of furnishers of information to CONSUMER reporting agencies ( a ) and ( b ). 

NO PERSONAL INFORMATION OTHER THEN THE DOCUMENTATION THAT I PROVIDED SHOULD BE ON MY CONSUMER REPORT. 

The CRA are reporting Inaccurate information.

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 2024-08-01 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: GA

Complaint narrative:
I was reviewing my consumer report and noticed these frivolous items that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
My checking and savings account were frozen. CapitalOne claims that there are fraudulent transactions in XXXX of my personal accounts. I explain how I used my personal account and they refused to remove the block. I asked for a case number and timeline to resolve. None of those were provided. I need to have access to my funds, it is putting me in a really critical situation to make ends meet. I have a long history of good credit and business credit with them. I am totally puzzled about this situation. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: NJ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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:
notice my credit report showing late payments in which I never miss a payment on the folling account ( XXXX ) ( XXXX XXXX ) XXXX 30 days late may 30 days late XXXX  30 days late XXXX  60 days late consumer reporting agencies play a crucial role in accurately reporting consumer information I request a through infestation for these discrepancies and urge you to provide evidence such as statement proving late payment if unable to provide proof I demand this payment be update to paid on time XXXX XXXX WAIVE THE LATE FEES XXXX XXXX  WAIVE THE LATE FEES ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.

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 2024-08-01 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 respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.

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 2024-08-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company is lying saying that Ive opened a loan account with them. None of the information of the accounts is mines, firstly I have a police report stating Im a victim of identity theft. Second I have a FTC report backing the claim. Now down to the nitty gritty. This company says they have my ID on file, which ID or Driver license do you have? Show whats on file. Also the number associated with the accounts is a phone used by over 5/6 ppl its a cellphone thats used by roommates for the house. Also the address is completely wrong. Ive never lived at the place yall stating. Wrong address. Wrong ID, wrong telephone. Also this company has be LYING saying I spoke to them on the phone. Release those calls and also all the information related to the account. Its so many ways I can prove this is fraud. Do your jobs and investigate because Im about to sue yall for my next step

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 2024-08-01 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: FC HoldCo LLC
State: MD

Complaint narrative:
I have XXXX unknown inquiries on my XXXX report I HAVE TRIED VARIOUS TIMES TO GET REMOVED AND KEEP RECEIVING THE SAME RESPONSE AND I NEED XXXX TO REINSTATE MY ONLINE PROFILE ACCESS SO I CAN LAWFULLY ACCESS MY REPORT.. 
FLAGSHIP CREDIT ACCEPTANCE -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 explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I wrote a letter stating that I wanted to opt out of all prior authorization. However, they continued reporting to the credit bureaus without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I was given a transaction number from social security when they deposited money to my account today. The deposit never showed in my account I believe the money got sent back to the treasury or deposit in another account. I would like Bank of America to give me my money back or deposit it into my account.

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 2024-08-01 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. 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. 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!

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 2024-08-01 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: MA

Complaint narrative:
This is extremely frustrating, I found unauthorized transactions/accounts being done under my name. I never benefitted from these items that have resulted from fraud being reported on my credit report. These have been already reported to FTC but they still appear on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: NJ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-01 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: TX

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-08-01 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: AZ

Complaint narrative:
transunion is violating my consumer rights, i am a victim of identity theft and someone has been using my identity to obtain goods and services using my personal information.i have sent transunion mulitpile times supporting documents to support my claim on XXXX XXXXXXXX XXXX account that does not belong to me! ... .please remove this fraudulent account from my transunion credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: MA

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 explanation
Consumer complaint received 2024-08-01 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: DC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief