vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kingston Data & Credit International Inc.
State: NC

Complaint narrative:
Subject : Unfair Debt Collection Practices and Improper Credit Reporting I am filing this complaint against Kingston Data and Credit International regarding a {$500.00} debt that they claim I owe on behalf of XXXX XXXX XXXX XXXX, NC ). I received my first notice of this debt recently via mail from the collection agency. However, I was never notified by XXXX XXXX about this balance prior to the debt being sent to collections. 
XXXX. Lack of Notification : XXXX XXXX did not attempt to contact me through email, phone, or mail regarding any unpaid balance or payment issues. 
I was denied the opportunity to resolve the issue or update my payment method before it escalated to collections. 
XXXX. Improper Credit Reporting ( Potential FCRA Violation ) : Kingston Data and XXXX XXXX reported this debt to my XXXX credit report without giving me the legally required 30-day window to validate or dispute the debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I have not yet received validation of this debt as required under the FDCPA. 


Thank you for your attention to this matter. 


XXXX XXXX XXXX XXXX : XXXX Company Involved : XXXX XXXX XXXX XXXXXXXX, NC ) / Kingston Data and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit report contains incorrect personal details, and as a result, multiple unknown and inaccurate accounts have appeared. These accounts are not mine and are impacting my credit standing unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX, Social # XXXX XXXX XXXX, XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XXXX, XXXX under the account number ( private ), Credit Card Opened at XXXX XXXX opened XX/XX/XXXX, XXXX XXXX Credit Card opened XX/XX/XXXX, XXXX XXXXXXXX XXXX opened on XX/XX/XXXX an auto loan account opened at XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I ' ve attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( private case number ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Ive discovered that incorrect personal information on my credit report has led to the inclusion of several unknown and inaccurate accounts. These accounts are completely unrelated to me and are causing unwarranted damage to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Upon attempt to pull credit report from Equifax, a technical error is received. It states to contact Equifax and provide the code XXXX XXXX XXXX'. After addressing this with Equifax, and providing data they requested, my credit report is still blank and can not be pulled for lending requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On Thursday XX/XX/year>, I uploaded added cash ( total of {$420.00} ) to my cash app account XXXX XXXXXXXX. I was attempting to originally purchase XXXX however I continuously received an error message " We were unable to complete this transaction at this time. Please try again later. '' I attempted to purchase XXXX multiple times with no success. I then attempted to withdraw the money as it was evident I was not able to purchase XXXX. Once attempting to withdraw the funds I kept receiving an error message " This cash out failed. '' I immediately contacted support and from the beginning, no one could tell me what the issue was. I keep getting the runaround and they keep telling me this has to be referred to a special team/dept. Each time I asked what the problem is, or if they could tell me what needs to happen, no one could tell me? I called again today ( XX/XX/year> ) and a brand-new ticket has been opened and I was promised it would be escalated. They took my email address and said I would be getting an email. I have not received any type of email since originally escalated XX/XX/year>. I need a refund. That money was intended to pay urgent bills, and I can not afford to continue to wait and get the runaround with cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
XX/XX/XXXX my car was repossessed. Its financed with ally financial. XX/XX/XXXX a payment plan was made to catch up on payments. XX/XX/XXXX I also reached out for options such as refinancing for a better monthly payment. XX/XX/XXXX was told {$9100.00} which is the outstanding balance remaining for car will be needed to reinstate the car. XXXX XXXX XXXX. I was not contacted or made aware the vehicle was at risk of immediate repossession after a payment plan was made due to hardship post hurricane XXXX and XXXX this year in SC where Im located and XXXX XXXX XXXXXXXX. I understand with consumer laws that I did not give permission to any third party company involved have access to my personal information such as address or to collect my property/vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I filed a complaint about Truist refusal to use the information provided to them from my tax and insurance statements mailed to them instead of continuously underestimating the escrow for taxes and insurance in order to increase the amount of my mortgage payment. They readjusted the payment amount after the complaint but have now restarted underestimating the escrow again. My payment per month has increased {$200.00} a month. 
This month when I sent the payment in, I included an extra payment of {$200.00} on the escrow. Even though I have used the online payment for years and only have 1 account for them to draft from, they are now saying that I used a closed account and are charging me {$35.00} insufficient funds for the mortgage and the escrow payments. This payment source is the same one I have used for years. I contacted the XXXX XXXX XXXX XXXX and they informed me that Truist did not draft the 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 2024-12-16 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: GA

Complaint narrative:
The errors on my credit report significantly impede my financial freedom. I continue to face rejections for new credit applications due to these inaccuracies. It is incredibly frustrating that my consumer rights are being violated in this manner.

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 2024-12-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
The creditor is extending past due periods and refuses to address the delinquency dates

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 2024-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I have had unauthorized and/or incorrect information added to my credit reports. Please remove the inaccurate information immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XX/XX/year>

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 2024-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
Shellpoint Mortgage Servicing purchased my loan from XXXX XXXX approximately sixteen months ago. Upon receiving the loan, it was one month behind due to XXXX XXXX not including it into the COVID Relief Forbearance I applied for in XX/XX/2020. As a result, late fees and others penalties were attached to the loan for that month. Once Shellpoint got the loan, they attached additional fees, despite me notifying them of the circumstances surrounding the missed payment. In XXXX, I became aware of a missing XXXX payment to Shellpoint, after my payment was returned to me due to them starting the Foreclosure process. I have spoken to Shellpoint several time in an attempt to rectify the matter. I currently have the missed XXXX and the XXXX payments, but they refuse to take it and apply it to the loan. Also, during the short amount of time that they have had my loan, the payment amount has increased three times, causing each monthly payment to be considered as late because they weren't paid in full for that month. Please, PLEASE help me...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 explanation
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
o Whom It May Concern, I am writing to dispute inaccuracies related to my XXXX  XXXX account ( Account Number : XXXX ) that appear on my credit report. Specifically, the following issues require investigation and correction : Inaccurate Late Payment Record : A late payment for XX/XX/year> is being reported inaccurately. I have no knowledge of this late payment, and I request validation of its accuracy. If it can not be validated, I request its immediate removal from my credit report. 

Misleading Remarks : The account contains remarks stating " Account closed at credit grantor 's request '' and " Account previously in dispute - investigation complete. '' These comments are vague and may negatively impact my credit profile. I request clarification or removal of these comments if they are found to be inaccurate. 

Discrepancy in Account Balance Reporting : The accounts highest balance is reported as {$400.00}, which is above the credit limit of {$300.00}. This inconsistency suggests errors in the reporting and requires correction. 

Bureau-Specific Reporting Issue : I have noticed that Experian is the only bureau reporting this inaccurate late payment, while neither XXXX nor XXXX lists this error. This inconsistency raises further concerns about the accuracy of the information. 

I have already contacted XXXX XXXX to request a goodwill adjustment for the alleged late payment, given my overall positive payment history. Unfortunately, no resolution has been provided to date. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that your bureau investigate this matter and validate the accuracy of the information provided by XXXX  XXXX. If the disputed items can not be verified, I request their immediate removal or correction. 

Attached are copies of supporting documents, including account details and prior correspondence with XXXX XXXX, to assist with your investigation. Please provide me with written confirmation once the investigation is completed and any changes have been made to my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-12-16 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: OH

Complaint narrative:
I am filing this complaint to address unauthorized hard inquiries that appear on my credit report managed by TransUnion. These inquiries were conducted without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable federal laws. Despite disputing these inquiries directly with TransUnion, I have not received a satisfactory resolution. 

These unauthorized inquiries have negatively impacted my credit score and hindered my ability to secure financing and credit opportunities on favorable terms. 

Details of the Unauthorized Hard Inquiries : XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were made without my explicit authorization, violating the FCRA. 
TransUnion is required under FCRA 611 ( a ) to investigate and correct any inaccurate or unverifiable information within 30 days of receiving a dispute. 
Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 : The GLBA mandates that consumer financial information can not be accessed or shared without explicit consent. These inquiries infringe upon my financial privacy. 
Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 : TransUnion is obligated to prevent deceptive, unfair, or abusive practices in credit reporting. The presence of these unauthorized inquiries violates this responsibility.

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 2024-12-16 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
To whom it may concern, this correspondence is being submitted to verify the fact that I, XXXX XXXX, would like to have specific information deleted from my credit report, due to the fact that I have been a victim of identity theft ; The charges in question were not made by me. I am respectfully requesting that these items be permanently removed from my credit report. I have complied with reporting the theft of my identity to the Federal Trade Commission. I also have copies of the Federal Trade Commission 's Identity Theft Affidavit. To review your records. As stated previously I am requesting to have the said Items removed from my credit report in a timely fashion. Thanking you in advance for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
This card was opened without my knowledge, I have been unable to obtain a police report so I have made a complaint with the FTC, and most recently have been advised to make a complain with CFPB. In XX/XX/year> I requested all statements to be mailed and I was told I would have them within 2 weeks. I have not received any statements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: MA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: MA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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