vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: KS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
I have attempted to contact their legal representative to discuss their violations of federal laws and failure to validate the claimed 10 negative items and debt claims. They have continuously failed to respond to written demands for validation of the debts claimed, and further made comments that they will ruin my credit if I don't pay them. They have also violated the Telecommunications protection act and as a result owe me over {$27000.00} for the violations under that federal law. They have constantly and continuously failed to respond and correct their error, and have a history of only reporting derogatory information, and not the latter. They have been contacted 7 times without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at LVNV FUNDING LLC on XX/XX/XXXX under the XXXX account number. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC.
State: NJ

Complaint narrative:
I have been contacted by Global Solution Biz LLC regarding an alleged debt. They have repeatedly refused to provide validation of the debt despite my requests under the Fair Debt Collection Practices Act ( FDCPA ). They have threatened to seize my assets and have stated they will enforce liens against me without a court judgment. They have also ignored my cease-and-desist request, continuing to contact me in a manner I consider to be harassment. 

Additionally, they have made false representations, suggesting they can enforce actions without due legal process. Despite my repeated efforts to resolve this through proper documentation and validation, they have been uncooperative and intimidating. I seek CFPB assistance in addressing these unfair practices and protecting my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
I made a {$660.00} purchase and used XXXX, which I later found out was Monterey Financial. Long story short, I was charged over {$1800.00} and have been making monthly payments of {$130.00} since XX/XX/XXXX. They offered me a hardship solution payment. I have called in and made payments via the website and I have received the payment confirmation only to have Monterey stating that the payments have not been made on time or according to the agreement. The last payment was made on XX/XX/XXXX, but I received notification that no payment was received. Plus, they are reporting past due payments on my credit report. This company is a ripoff and I want to be done with this deal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I took a balance transfer offer from XXXX XXXX  and XXXX of the banks to pay off was an account at BMO. I discovered that BMO demands XXXX XXXX  issue a paper check for balance transfer payoffs instead of an ACH or electroniic transfer. XXXX XXXX  issued a paper check to the correct payments address of BMO on XXXX24. It is obvious that paper check has been received at XXXX XXXX XXXX XXXX XXXX IL. Yet BMO claims to not have received any check and refused to investigate or put a trace. 

Then I discover BMO will not process any payments via paper check on date received, instead it is the date of THEIR CHOOSING to open the envelope containing the paper check. This means while the consumer could post a paper check 30 days before the due date, it will NOT be accredited as being on time or processed in a timely manner because BMO won't date the payment until they have collected the mail from the payments XXXX XXXX and opened it, processed it! 

So, this puts me at risk for paying 24 % interest on an account and also missing a payment date while BMO 1. insists on paper checks XXXX delays processing those checks XXXX refuses to acknowledge or accredit the check issue date Finally blames USPS for " losing mail '' and taking XXXX business days to deliver a XXXX class envelope from MO to IL, the next state over and XXXX hours away. 

I find this to be fraudulent, clearly BMO is trying to delay payments and balance transfers in order to charge late fees and interest and lower consumer 's credit score.

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 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I booked a flight in XX/XX/year> using my Citi credit card points, totaling XXXX points ( equivalent to {$1100.00} ), for a trip scheduled in XX/XX/year>. However, I canceled the flight within the required timeframe to receive a flight credit. Unfortunately, Citi switched travel agents during this period, and it seems that in the transition, my booking information was lost. I have been following up on this issue for several months, but Citi has not issued a refund of my points, and their representatives claim they have no record of my booking. 

Despite multiple attempts to resolve this, I have not received my points back. I believe the confusion caused by switching travel agents is responsible for the loss of my information, and I would like Citi to address this and issue the points refund as promised. 

Booking Date : XX/XX/year> Airline : XXXX XXXX  Citi Points Used : XXXX Trip ID : 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 2024-10-09 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: GA

Complaint narrative:
XXXX XXXX account XXXX - The open date, monthly payment, last reported, and date last active, and date of last payment are reporting XXXX different dates which is an inaccuracy. Delete the account due to inaccuracy. 

XXXXXXXX XXXX account XXXX - The open date, monthly payment, last reported, and date last active, and date of last payment are reporting XXXX different dates which is an inaccuracy. Delete the account due to inaccuracy. 

XXXXXXXX XXXX account XXXX - The open date, monthly payment, last reported, and date last active, and date of last payment are reporting XXXX different dates which is an inaccuracy. Delete the account due to inaccuracy. 

XXXX XXXX XXXX account XXXX - The open date, monthly payment, last reported, and date last active, and date of last payment are reporting XXXX different dates which is an inaccuracy. Delete the account due to inaccuracy. 

XXXX XXXX XXXX XXXX account XXXX The open date, monthly payment, last reported, and date last active, and date of last payment are reporting XXXX different dates which is an inaccuracy. Delete the account due to inaccuracy. 



15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 













15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2024-10-09 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: CA

Complaint narrative:
XXXX First round of dispute sent to Experian. XXXXReceived an updated and verified status. XXXX Second round of dispute to Experian , no reply back. XXXXThird round of dispute to Experian, no reply back. XXXXSent an another 1st round of dispute to Experian, no reply back. XXXX sent another 2nd round of dispute to Experian , no reply back XXXXsent another 3rd round to Experian, no reply back. XXXX sent another round 4 of dispute to Experian , only updated and verified. XX/XX/year> - still no change.

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 2024-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Did not know about this debt until it was reported on my credit report. I dont owe debt or not aware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: PA

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account 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 non-monetary relief
Consumer complaint received 2024-10-09 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: PA

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account 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 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX*Subject : ** Complaint Regarding Regions Bank Account and Credit Card Issues Dear CFPB, I am writing to formally submit a complaint regarding my Regions bank account and credit card. Over the past week, I have experienced several difficulties related to my account, and I am seeking your assistance in resolving these issues. 

First, I have encountered problems in making payments, including payments that were submitted without my approval. Additionally, there appears to have been a miscalculation of funds when payments were applied to my account. Specifically, the payment amounts have not been accurately reflected as the new balance, which has created confusion and concern about the accuracy of my account statements. 

These discrepancies are unacceptable, and I am requesting an immediate review of my account to address the unauthorized transactions and correct the payment application errors. I expect Regions Bank to take swift action to resolve these issues and ensure that my account is properly managed going forward. 

Please feel free to contact me at [ phone number ] or [ email address ] if you require further details or documentation regarding this matter. Thank you for your attention and support in resolving this 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 explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: WV

Complaint narrative:
I wish to use your organizion 's service, seeking a formal, impartial investigation to amicably settle my dispute with Navy Federal Credit Union. 
Please see the attached PDF file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: CA

Complaint narrative:
I made a purchase using Klarna 's buy now, pay later installment products in the amount of {$1300.00} on XX/XX/year> on XXXX. I purchased like items at a nearby store for cheaper, and decided to return the entire order. XXXX  provided a single label and I sent the items back via the UPS label they provided ( XXXX tracking number ). After some time passing and no refund from XXXX, I reached out to XXXX ( the merchant ). They indicated the items were mis-delivered at another warehouse and there was nothing they could do and refused to refund me. I contacted UPS who said any claim on the package would need to be initiated by the merchant as they provided the return label. A rep with XXXX said they couldn't refund outside of this policy but I was welcome to dispute with my bank. In this case, " klarna '' is the bank. They give a visa card to buy the items and should have dispute capabilities similar to the bank. Unfortunately that is not the case. I sent in all documents and communications they asked, and the dispute was automatically closed demanding I pay the amount in full. I reached back out to XXXX who said they had no record of dispute from Klarna. I complained of this issue on the better business bureau, to which a klarna rep said they could not help me as this retailer was not in their network. I then disputed the klarna payments with my bank. Instead of contacting me, Klarna opened the loan again to be paid in full ( again ). This is predatory & no investigation was ever done for my dispute. I will not pay for items I did not receive and it is Klarna 's responsibility to address that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: IL

Complaint narrative:
PLEASE HELP ME, IM GETTING STRESSED BECAUSE OF THIS FRAUDULENT HARD INQUIRIES. THIS ARE FRAUD AND WAS NEVER AUTHORIZED

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 2024-10-09 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had a balance of {$110.00}. I paid it out hen then asked for my account to be closed. They said it was closed. Now they're saying past due balances when they said I was up to date after the {$110.00} I was never told anything about more interest or late fees, had they... I would've paid it then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accuracy.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accountshave violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: PA

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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