vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I deposited a check on XX/XX/XXXX from customer for services rendered. The check was then returned as chargeback listed as XXXX. We contacted the customer who issued a new check that was deposited on XX/XX/XXXX. Both checks were for {$8100.00}. On XX/XX/XXXX the account was frozen pending a fraud investigation. The fraud was nothing to do with me or my business. The issuing bank for the customers check which was XXXX  sent a letter apologizing and explaining the situation. My account is still frozen and I am being charged maintenance fees and all my transactions are being returned causing me further fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
According to FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ), this account should not be ther. Please check this information again and fix it, following 15 USC 1681c-2 inaccurate information must be deleted. " 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 non-monetary relief
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
According to FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ), this account should not be ther. Please check this information again and fix it, following 15 USC 1681c-2 inaccurate information must be deleted. " 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
Company refused! Locked me from accessing my account. I provided all requested info. Barclay acknowledged receipt but still refused access to info. VERIFIED ACCURACY, still kept me from my account. All I want is for Barclays to my account and to provide me monthly statements.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 2024-12-02 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: NJ

Complaint narrative:
After a careful look at my credit report, I found several inquiries from your company that I never approved.

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 2024-12-02 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-02 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: NJ

Complaint narrative:
After a careful look at my credit report, I found several inquiries from your company that I never approved.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: IN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CO

Complaint narrative:
IC Systems has filed a collection notice with the credit XXXX, XXXX and XXXX for a debt of {$2300.00}. I have no knowledge of this debt to XXXX XXXX XXXX XXXX. I have never had any account with XXXX XXXX XXXX XXXX. IC System has not provided any documentation to validate this supposed debt. I have worked for a satellite provider for the last XXXX years and receive free programming so would not use another programming provider. IC System has only communicated by email which is automatically going to junk mail.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-02 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: Regional Management Corporation
State: TX

Complaint narrative:
Regional Finance XXXX sent a promo check to my mothers house. I do not live there and have not lived there in longer than XXXX years. My son with the same name lives there and was able to cash the check since we share the same name and no other identifiers. I had no idea all of this was occurring until Regional Finance called me about a payment that was due. This business has no right sending out checks randomly to see who will cash them. This is fraud and they are reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
I have been the victim of identity theft, and multiple fraudulent accounts and unauthorized inquiries have been reported on my Experian credit file. I sent a dispute letter on XX/XX/year>, under Section 605B of the Fair Credit Reporting Act ( FCRA ), requesting the immediate removal of these fraudulent accounts and inquiries. 

The fraudulent accounts include : XXXX XXXXXXXX, Account Numbers : XXXX ( {$520.00} ), XXXX ( {$510.00} ), and XXXX ( {$350.00} ). 
XXXX XXXX, Account XXXX : XXXX ( {$6700.00} ). 
XXXX XXXX, Account Number : XXXX ( {$720.00} ). 
XXXX XXXXXXXX XXXX, Account Numbers : XXXX ( {$1000.00} ), XXXX ( {$530.00} ), and XXXX ( {$1000.00} ). 
XXXX XXXX XXXX : # XXXX ( {$8100.00} ) I also requested the removal of all unauthorized inquiries linked to this identity theft, which are negatively impacting my credit score.

Despite submitting this letter along with documentation proving the accounts and inquiries are fraudulent, no corrective action has been taken by Experian. Under Section 605B of the FCRA, Experian is required to block and remove fraudulent information within four ( 4 ) business days of receiving my request. Their failure to comply with this mandate has caused significant harm to my creditworthiness and financial standing. 

I am escalating this matter to the CFPB to demand immediate compliance with the FCRA, including the removal of these fraudulent accounts and inquiries, and to ensure my credit report is accurate and reflects only authorized and legitimate activity.

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 2024-12-02 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: NC

Complaint narrative:
Public Records Report Date : XX/XX/year> This section includes public record items Equifax obtained from local, state and federal courts through a third-party vendor, XXXX. 

They can be contacted at : XXXX XXXX for Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX continues XXXX respond to me by saying that no public record exists. I have attached their latest response. I have on several occasions requested written verification from Equifax. I have yet to receive a written copy or proof that a public record exists. The response is the FCRA notice, an offer to add a statement, and them pointing the finger at XXXX. I have disputed XXXX and Equifax in writing, online, XXXX, and several times through CFPB. I would like some action to be taken as it has been over XXXX years of false information being reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Further Request to Cease Collection Efforts and Remove Debt from Credit Reports. 

This is in response to your recent communication regarding the debt you allege I owe. After reviewing your response and the supporting documents, I have significant concerns about your compliance with federal laws, particularly the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe that your continued attempts to collect this debt and report it to the credit bureaus may violate both of these laws. Here are the specific issues : 1. Debt Validation Not Sufficient Under the FDCPA, 15 U.S.C. 1692g, you are required to provide competent validation of the debt. The documents provided in your response do not adequately demonstrate my legal obligation to pay Columbia Debt Recovery. Specifically, the validation lacks key elements, such as a written contract or agreement directly between myself and Columbia Debt Recovery or the original creditor. Therefore, you have not established the legal right to collect this debt. 2. Violation of the Fair Credit Reporting Act ( FCRA ) If you are continuing to report this debt to the credit bureaus without proper validation, this may constitute a violation of the FCRA. Reporting unverifiable information to the credit bureaus can be considered illegal under this act, and I request that any negative reporting associated with this alleged debt be immediately removed from my credit reports. 3. Cease Collection Requests I have previously requested that all collection activity related to this alleged debt cease until proper validation is provided. Despite this, you continue to engage in collection activity, which is in direct violation of my rights under the FDCPA. I demand that you cease all collection efforts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I have been using PayPal for almost XXXX years. I am very used to sending and receiving money with it and also seeing fees for any additional services such as faster than usual transfers of money. I recently started a Business account with PayPal and with my first transaction was hit with a very large fee ( almost {$600.00} out of a {$16000.00} transaction ) for literally no additional service outside of the wallet function that is free in the non-business account and no warning that I was going to be hit with such a fee. If I had been shown a warning that I would be charged for that function - as they do with other transactions - I would not have used the service, which must be why they bury the fee schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 


Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 


Thank you for your prompt attention to this matter.

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