vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : 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 2024-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NE

Complaint narrative:
Upon checking my credit reports on XX/XX/XXXX. I noticed a company named Jefferson Capital Systems listed 2 collection entries on my credit reports. The first collection entry shows an account # XXXX for a balance of {$410.00} from XXXX XXXX. This account shows an open date of XX/XX/XXXX. 

The second collection entry entered on my credit reports by Jefferson Capital Systems is an account # XXXX for a balance of {$1000.00} fro XXXX XXXX. This account shows an open date of XX/XX/XXXX. 

Multiple requests have been made via telephone to this company to send supporting documentation that these collection amounts are in fact mine ( They are not ), but have been unsuccessful.Upon checking my credit reports today, XX/XX/XXXX, Not only did I notice these 2 collection entries are still on my reports, they both show an update of XX/XX/XXXX which appears to be a common illegal practice of " Re-aging '' debt. 

These collection accounts do not belong to me. 

Thank you in advance for your prompt attention to this matter as this incorrect information is causing me financial harm as it is preventing me for obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Office of the Attorney General has put an acct paid as agreed account on my credit file on XXXX for {$14000.00}. This is not my account and have no records of any child support. 
I disputed this item in XX/XX/year> and this items was removed once before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: CA

Complaint narrative:
I completed a debt consolidation approximately 10 years ago. Three of the creditors did not settle. One of the creditors has hired a collection agency to come after me for the unsettled debt ; but the statute of limitations is up.

The letter they sent me says they can not sue me or send this to the reporting agencies. 
The state of CA website says not to ignore the letter and seek legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You have the incorrect information reporting and you have failed to update it. As seen on my XXXX & XXXX report compared to yours I have 0 late payments with this company in fact I paid the loan off early! I asked you over 90 days to update it and you didn't. That's AGAGINST the law. Update the account now please : XXXX XXXX XXXX XXXX All months on time See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
Someone been trying to Open credit card on my name

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly 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 non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Credova Holdings Inc
State: AZ

Complaint narrative:
The company offered verbally in XX/XX/year> to extend the lower payments. I didnt not ask for that. However I did ask them to complete the agreed upon actions since the payments for XX/XX/year> and XX/XX/year> have been completed. 

I also received an email threatening to send the account to collections. 

Dear XXXX XXXX, Thank you for contacting XXXX XXXX in regards to your account with Credova Financial. It has reached its final opportunity to be handled voluntarily for the defaulted balance in full of XXXX all fees included. Unless a payment arrangement is secured today, the account will leave my office for possible collections placement. What is your bank card number? 

Please make it a priority to contact our office today at toll free XXXX to discuss this matter in detail. 

Sincerely, XXXX XXXX Account Representative XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Visit us online to view your account/make payments at XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The credit lender, Alpheon, failed to provide account information at the beginning of our term, leading to missed payments. I am requesting investigation and correction.

This incident arose due to a failure on the part of the lender to provide any sort of account information, resulting in missed payments. Even upon my most recent phone call with them they agreed they never sent out any email, phone call, or mail with my account information. And that my initial application included all information for them to be able to take my payments and they still failed to enter the information in their system.

Upon my initial application, I provided my bank information with the expectation that it would be used for monthly payments. Unfortunately, I was unaware of any missed payments until receiving a credit alert three months later. Immediately upon notification, I contacted Alpheon to rectify the situation.

During our phone call, I learned that the lender claimed they were unable to send me account information due to an alleged inability to locate my address through the postal service. However, to initially verify my account they gave my address to me, so they indeed did have my address and they were lying. Furthermore, when questioned about their failure to contact me, they stated they did not have my phone number. However, during the same call, they verified my account using my phone number that I called with. So they were using excuses to not take accountability for their mistake on not forwarding me information needed to make payments on my account. 

I want to emphasize that I have a longstanding record of prompt payments and never intended to miss any obligations. To prevent future occurrences, I have set up automatic payments with the lender, even though they already possess my bank information, address, and phone number. And I am looking to make a last full payment to close out the account this month. 

I kindly request your assistance in investigating this matter and rectifying the negative impact on my credit score.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: AZ

Complaint narrative:
They threatened me by repeating my social security number. They stated they will suspend my license immediately if not paid in full, they also used abusive language.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
Provided personal information to 3rd party affiliates against, Destiney Master Card was contacted on multiple accounts to no avail or response.

The Privacy Act 1974 - Allows for criminal penalties in limited circumstances. An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is a direct violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
I have multiple companies showing up that I did not do business with

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I made a purchase through cash app to XXXX  for phone on Monday the XXXX. The correct charge was XXXX. That went through and 3 minutes later They took a payment for XXXX. I contacted them immediately they said I need to make a claim which I did. Provided all the proof ( even from XXXX of them not receiving any payment in the amount of XXXX ) cash app denied my claim saying they spoke to T-mobile and confirmed it was a valid charge. I then contacted XXXX and had them search by card number and they again, verified no payment In the amount of XXXX received. Now cash app is refusing to give my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: PA

Complaint narrative:
When going through my credit profile I seen hard inquiries on my report that is not mine.

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 2024-03-07 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: TX

Complaint narrative:
These inquiries are not associated with me, and I did not give authorization for them. I request their prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Company : CAINE & WEINER XXXX XXXX XXXX XXXX XXXX CA, XXXX RE : Account reference number : XXXX This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the assignment agreement to show full ownership of such account and to provide other documents listed below so I may review to see If this account actually belongs to me or not.

I have sent multiple certified letters on dates of, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting to validate this alleged debt. Requesting evidence of their legal ownership of the debt, such as assignment agreement.

As outlined in the FDCPA, debt collectors are obligated to provide accurate and verifiable information upon a consumers request. I have sent 3 requests. A mere copy of a bill falls short of the required validation standards.

Caine and Weiner continue to violate my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Uniform Commercial Code ( UCC ). I have been requesting the following for over a year now.

According to the FDCPA Section 809 ( b ) requires a a debt collector to furnish, within 30 days, the following : The original creditors name and address.

The exact amount of the debt, including any finance charges and fees.

A description of the debt and the date it was incurred.

Evidence of your legal ownership of the debt, such as assignment agreement.

The UCC Article 9 requires clear and verifiable proof of debt transfer and chain of the title. Sending a single bill does not demonstrate their legal standing to collect this alleged debt. 

I have reiterated my demand for proper validation to this company for my last attempt that of XX/XX/XXXX to : Please provide the documentation listed above within 15 days of the date of this letter. 
Cease and desist all further collection efforts, including communication, reporting to credit bureaus, and legal action, until valid proof of debt ownership is provided. 

Caine and Weiner continue to deny my requests to validate each and every time. 
Caine and Weiner Failed to comply with these demands multiple times and are in violation of the FDCPA and the UCC.

I demand this alleged debt collection be permanently deleted off my credit report since this company has failed to comply on multiple requests to validate and to cease all collections and reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to dispute the handling of my credit account information as reported by your company to the major credit bureaus. It has come to my attention that there are inaccuracies in the reporting, and it appears that Midland Credit Management may not have properly verified this information, which I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, under the FCRA, Section 611 ( 15 U.S.C. 1681i ), I have the right to challenge any incomplete or inaccurate information in my credit report, and your company is required to conduct a proper investigation upon receiving my dispute. 

Furthermore, the FCRA requires that any entity reporting to the credit bureaus must ensure that the information they submit is accurate, complete, and verifiable. If your company can not verify the debt, then it should not be reported, as stipulated under FCRA, Section 623 ( a ) ( 1 ) ( A ). 

I formally request that Midland Credit Management provides me with the documentation that verifies the debt in question, including the original contract bearing my signature, the ledger showing the creation of the debt, and any documents that demonstrate transfer of ownership of the debt to Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2024, my brother, who lives in XXXX, wired me {$30000.00} from his XXXX XXXX  ( XXXX ) account to my XXXX XXXX ( XXXX XXXX account in the USA. Since XXXX XXXX is an investment company, the international transfers go to the particular XXXX account with Citibank and then to XXXX XXXXXXXX XXXX corresponding accounts. A few weeks later we did not receive money and my brother contacted XXXX. Almost a month later, XXXX sent my brother a letter stating that money was transferred to Citibank, but they didn't provide clear communication about what happened with {$30000.00}. 
I contacted XXXX and was told that they don't have my money. I was advised to speak with XXXX. 
I called Citibank and was told that they could not speak with me because I don't have an account with them. 
I sent complaints by certified mail to XXXX and Citibank and e-mailed XXXX representatives of Citibank, but I have not received a response. 
{$30000.00} got stolen. Please help me. 
I'll provide all supporting information regarding these transactions and communications.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In response to Bank of America N.A. Regarding Small business credit application : XXXX Notice of Dispute : Adverse Action I demand your company reconsiders this matter which complies with Federal Law, please open the account which I have extended credit and correct any adverse action taken upon my credit report, l take my consumer reporting matters seriously and would appreciate this matter being resolved promptly. Failure to address this dispute improperly may lead to further legal action Thank you for the immediate access to this matter, I expect a timely response and resolution. 

Respectfully, XXXX XXXX of the XXXX XXXX XXXX All rights reserved

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