vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-08 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: EdFinancial Services
State: TX

Complaint narrative:
I have contacted XXXX about a student loan that was paid off for Ed financial and it didn't get resolved. I called Ed financial and sent all my paperwork showing that the loan is paid off and they are still asking for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : I XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: V and H Portfolio
State: TX

Complaint narrative:
I am filing a complaint against Vance & Huffman for reporting an unverified collection account on my credit report. I was never notified of this alleged debt, and I do not believe it is accurate. There is inconsistent information such as the date last active. XXXX is reporting XX/XX/year>, but this account has not been active in years. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of this debt, but Vance & Huffman has failed to provide : An explanation of the alleged account balance. A complete payment history and audit trail proving the amount is accurate. Documentation showing I agreed to this debt and authorized its reporting. Proof of legal authority to collect in my state, including their state license. A master bill of sale, purchase agreement, and chain of custody for the debt. Additionally, Vance & Huffman has violated the FDCPA and the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information, failing to validate the debt, and engaging in deceptive practices that harm my reputation. I demand immediate removal of this account from my credit report. If the account is not removed or properly validated within 15 days, I will pursue litigation for damages of {$1000.00} per violation, as allowed under 15 U.S. Code XXXX. I have also submitted this complaint to my State Attorney General 's Office and XXXX XXXX XXXX XXXX for further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SoLo Funds Inc.
State: TX

Complaint narrative:
So the company is called solo funds and I have lent my money through the app. I about a 3 months ago change my number and informed them and waited and waited and waited. They currently hold around XXXX that I cant access to withdrawal. Honestly I hope yall win yalls lawsuit because this company has been giving me the run around with this issue that shouldnt have been an issue. When I changed my number with XXXX and XXXX  XXXX nothing happened and it was easy but with solo funds they are essentially holding my money XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
These account has been charged off by the original creditor and I didn't signed anything with these debt collectors and totally unaware of who they are and never heard of them and why they have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-08 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: MA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-08 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: NC

Complaint narrative:
I am writing in response to the above-referenced case to formally explain my concerns regarding the lack of compliance by creditors in providing adequate verification of account ownership and validity, despite my repeated and detailed requests. I have contacted equifax multiples times requesting verification and proof of ownership for creditors reporting on my credit file. Original Signed Contract or Agreement : I requested a copy of any original signed agreements or contracts that establish my responsibility for the debt. No such document has been provided by the creditors. 
2. Itemized Statements : I requested detailed statements showing how the debt was calculated and any payments made. The creditors have failed to provide this information.

3. Proof of Assignment or Ownership : For debts that have been sold or assigned to third parties, I requested documentation proving the chain of ownership. No such proof has been provided.

4. Compliance with FDCPA Validation Requirements : I asked for documentation to ensure that all requirements under the Fair Debt Collection Practices Act ( FDCPA ) were followed, including the date and nature of the debt. The creditors have not responded adequately. To date, the responses I have received have been incomplete or non-responsive. In some cases, I have received generic letters that fail to address my specific requests. In others, I have received no response at all. This lack of compliance is unacceptable and leaves me unable to verify the legitimacy of the debts being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: IL

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-01-08 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: NC

Complaint narrative:
I am a victim of a data breach and fraud has occurred involving my personal information. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B 15 U.S.C. 1681c-2, I formally request a fraud block to be placed on my credit report Accounts listed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I purchased a pair of shoes in the XXXX XXXX Neiman Marcus store for {$700.00}. Unfortunately, the shoes did not fit so the next day I returned them the store and exchanged for size. The new size however was not in stock so I had to order a similar style that would later be delivered to my home. The difference was refunded to Capital One Neiman Marcus store card. The shoes arrived a few days later and did not fit. Unfortunately by the time they arrived to me, all Neiman Marcus stores were temporarily closed due to the Coronavirus global pandemic with no notice of when they would reopen. I called customer service to see if I could return the shoes via mail but was told that because it was an in store purchase I would only be able to return in store since it was an in store purchase. 

As a result of being temporarily laid off due to Covid and the fact that the shoes purchased would be returned eventually when stores reopened, I did not make a payment for the billing statement from XXXXXXXX XXXXXX/XX/XXXX. This was the only purchase on my statement. I did not carry any other balance aside from this purchase. Despite calling customer service several times inquiring about said return and informing them a payment would not be made, I was assessed a late fee on XX/XX/XXXX when my XX/XX/XXXXXXXX  billing statement arrived. A month later, stores were still not opened nor did I make any new purchases or payments, as a result I was assessed another {$25.00} late on XX/XX/XXXX, and again on XX/XX/XXXXXXXX 

Stores finally reopened in XX/XX/XXXX and I was able to return the shoes that did not fit. I called customer service and after speaking to several representatives who gave me the runaround, I was finally given a refund for the numerous late fees assessed. 

While I was refunded the fees and eventually granted the refund for the shoes that did not fit, almost 5 years later this is still affecting me as the payment history reported on this account to the credit bureaus shows I was 60 days late for the month of XXXX and XXXX of XXXX. Despite being temporary laid off due to a global pandemic and simply not being given the opportunity to return an item that simply did not fit due to store closure, I am still being punished as this reporting has an adverse affect on my credit report and whether lenders feel I am credit worthy. I have reached out to Neiman Marcus Capital One in attempt to have the rectified several times over the course of the last 3-4 years and have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I started receiving emails from a Kohls email stating that I needed to take action on my account. I had not seen these emails before as I have always paid my credit balance promptly. I also did not show a balance on my credit card. I contacted kohls customer service multiple times through phone and website customer service chat. I asked if the emails I was receiving were coming from a legitimate kohls email so ensure they were not a scam email. I send the email address and asked if it was a true kohls email. I was told to ignore these emails as the email address was not from kohls and that they would never send emails like these to customers ( I have attached screenshots of this conversation ). I did as they recommended. I continued receiving the emails but continued to be told to ignore them. I then noticed a decline in my credit score and upon my own investigation found that it was caused by my kohls account. I again called kohls and after a long phone call and asking them to dive deeper, they informed me that the emails were in fact from kohls and although my payments were on time, they were from a kohls account. On the same call I changed the bank associated and continued paying all balances right away. I have attempted to dispute and request a credit correction from kohls twice and been denied each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v grabens ( mo ) 281 SW715.719 resume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist. ( please remove these accounts before I seek litigation defamation of character. ) XXXX XXXX XXXX XXXX balance {$310.00}, XXXX XXXX {$0.00}.

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 2025-01-08 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: NY

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, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
On XX/XX/XXXX I have received {$200.00} on my Citibank Checking account and once I tried to activate my Citibank debit card they locked me out of my account. I have called them several times and they keep asking me for my checking account number ; but I dont have that. So they ask for my social security number and then still cant get access to my account!!! Please help!!!

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 2025-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: SC

Complaint narrative:
Violation of the Fair Credit Reporting Act. 
False reporting of negative credit info. 
Did not provide proof of authentication of alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My mother had a loan with Bank of America ( Originally with Countrywide prior to takeover ). She passed away. I lived in the home prior to and after her death for 10 yrs. I made regular mortgage payments. I contacted the bank after death and provided them with a death certificate. I inquired about me placing the mortgage in my name and was told there was nothing I could do. I believed them at the time. I continued to make payments and live in my home. I went on to later find out I could get the deed changed to my name. I informed BOA and was told I couldnt get information on the account once again. I informed them of the deed change and was told that was told it didnt matter. The has nothing to do with the mortgage. I was later informed via letter that the home was approximately {$11000.00} in the rear, despite me making the monthly payments ( even paying over at times to apply to the principal ). I inquired about how that could be ( when had always made the payments ) and requested information of payment dates and amounts received. Bank of America refused to provide me with that information and stated I would have to reapply for the loan since my mother was deceased. The home was foreclosed on due to BOA making what I perceived to be fraudulent claims that the account was approximately {$11000.00} behind. I paid mortgage for 10 yrs. There was absolutely no issue with me continuing to pay the mortgage. BOA never had an issue with me paying the mortgage, until I inquired about placing the home & loan in my name for the second time. All of a sudden approximately {$11000.00} was due without any explanation or documentation provided. There was no struggle to pay mortgage. I filed the complaint under the title due to it having foreclosure as a topic.

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