vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 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: IL

Complaint narrative:
How can two account be report the same information. This is inaccurate information. Under the fcra laws this is a violation to my right and I would want this remove and delete off my credit report. XXXX have two account this is one of the account number XXXX and the second account number is this one XXXX also how can you be late 30 day show 1 time, and 60 day shows 0 late days, and 90 days shows late 10 times. This is inaccurate and incorrect information on my file. How is these two account report the same information. Please delete and remove these account its hurting me from get a house for my family. 15 us code 1681b I have my right and this law is what following under the right to have these account removed immediately. Also upload pictures showing the inappropriate and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Someone tried opening a credit card with my information from JPMCP. I called them and they agreed that it was fraud and they sent me a letter. I asked them to remove the hard inquiry 's and they have not as of today. I will upload the dates. Thanks for the help..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: IL

Complaint narrative:
How can two account be report the same information. This is inaccurate information. Under the fcra laws this is a violation to my right and I would want this remove and delete off my credit report. XXXX have two account this is one of the account number XXXX and the second account number is this XXXX XXXX also how can you be late 30 day show 1 time, and 60 day shows 0 late days, and 90 days shows late 10 times. This is inaccurate and incorrect information on my file. How is these two account report the same information. Please delete and remove these account its hurting me from get a house for my family. 15 us code 1681b I have my right and this law is what following under the right to have these account removed immediately. Also upload pictures showing the inappropriate and inaccurate information.

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 2024-07-21 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: MD

Complaint narrative:
Dispute letter was sent to the Credit Bureaus in concern of inaccurate reporting on my credit report, after submitting the first dispute with no updated accurate information a second reinvestigation letter was submitted and still there was no adjustment to what I was asking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I included XXXX XXXX debt in my bankruptcy case ( XXXX XXXX. XXXX ). Despite this, I continue to receive collection attempts via phone, text, and mail. 

I have informed my attorney of this issue multiple times via email. I have contacted XXXX directly to update their records and request they stop billing me. On XX/XX/2024, I informed TSI Debt Collections ( XXXX ) about the bankruptcy but received another collection letter on XX/XX/2024. On XX/XX/2024 and XX/XX/2024, I again contacted XXXX and urged them to inform the debt collection agency they sold the debt to. Despite my efforts, I am now receiving collection attempts from a new agency. On XX/XX/2024 I received a text message and called to inform them of the discharged debt. 

XXXX continues to generate monthly bills, which I receive via email and mail. I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to stop these illegal collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: MI

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit report : XXXX XXXX {$0.00} XXXX Update to never late 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 2024-07-21 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
My issue is with AFFRIM inc. I began getting calls from them a few months ago that I had two separate loans that needed to be paid off, neither of which were taken out by me, though they had ALL my information attached to them. One was for XXXX dollars and the other around XXXX. I told them on several calls this is fraud and to please open a case, as the sales were made in XXXX  and I live in XXXX. They told me on every phone call from XXXX now ( XXXX ) they would open a case and not charge or report the items to credit for well over a month. However a few weeks would go buy I would hear nothing and then get another call and the same thing would happen and be told I owe money to them and was told again they opened an investigation, never any proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have/am requested they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: PA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have/am requested they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
Robinhood financial company I invested stock And also had my savings account. 
My account was hacked when XXXX XXXX breach happened in XXXX. Hacker stole my information SSI, email address and password and changed My email address and passwords also personal information to take all money from my account. 
They took all money in Debit cards. I gave proof From my bank that I never had any debit card on The file also give them police report. 
They have insurance to cover up to {$250000.00} That company is telling but not willing to give me my money that hacker took. I am retired and still Paying for my Daughter student loan. If you help me any. 
Really appreciate if you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
I obtained an account from ACIMA XXXX years ago. I got behind once I got laid off from work and then I caught it up once I went back to work and started paying on it again. I noticed that I was paying more for the items than I should so I questioned the items. I informed them of all the items I had purchased to sell inside of my store and they responded that I could not sell the merchandise until I paid them off. I informed them that I bought the merchandise from a wholesaler to sell in my boutique ; that was the purpose of purchasing the merchandise. They informed me that I could not sell the merchandise and I could return it. I informed them that I paid over what the amount of the purchase was and I refused to continue to pay on something I could not even sell. The merchandise went on to be outdated so I could not sell it so I lost out on over {$1400.00} in sales and they refused to compensate me. They informed I could send the merchandise back and I asked for my money back. They said that they could not compensate me for anything that I spent or the merchandise that wasn't sole. I filed a complaint with BBB previously and Acima agreed to label the account as paid not written off and then I checked my credit report and they stated I still owe a balance, which is far from true. They even added a new account when I only had XXXX that wasn't paid due to them owing me money. The wholesaler never informed the customers that we could not sell the merchandise we purchased. I had to stop the sale of items at my boutique due to this so I am out of {$1400.00} in sales. I sent in evidence of the paid account and the complaint previously filed and they will not correct my credit report at all. I need for Acima to reimburse me {$1400.00} I lost out. I can also send the merchandise back. They will need to pay for shipping costs, taxes, and loss of sales and inventory. They also keep sending me emails to pay tem for something I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: TX

Complaint narrative:
I am writing to express my outrage and formally dispute the late payments reported on my Experian credit report for the months of XXXX and XXXX of 2021 on my XXXX XXXX account, number XXXX. This unauthorized reporting of late payments is not only incorrect but also a direct violation of my privacy rights and applicable consumer protection laws, specifically 15 USC 1666b.

**Violation of 15 USC 1666b** Under 15 USC 1666b , creditors are mandated to provide timely notice to consumers at least 21 days before the payment due date. I did not receive such notice, making these late payment reports not only invalid but also illegal. The lack of proper notification has directly resulted in significant and undue harm to my credit standing.

**Demand for Immediate Action** I demand the immediate and unconditional removal of these erroneous late payments from my credit report. XXXX XXXX 's failure to comply with 15 USC 1666b has caused unwarranted damage to my creditworthiness, affecting my ability to secure credit, employment, and other financial opportunities. 

**Privacy Violation** Furthermore, this account information has been reported to Experian without my explicit consent, infringing upon my right to privacy. The unauthorized dissemination of my financial data is unacceptable and must be rectified without delay.

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 2024-07-21 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have/am requested they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
Citibank held two of my accounts that were both sold to Cavarly Portfolio Services ( possibly to XXXX XXXX XXXX and others that have tried to collect ). Cavalry Portfolio assigned these debts to XXXX XXXX XXXX and XXXX XXXX firm. A few years ago an incident happened where when I was dealing with these entities somebody showed up to my house knocked on the door and was irritated when there was no answer so they went to ask the neighbor if I lived there. After they got their answer they left sensitive personal information posted on the garage door with a threat if I didn't call them my private information was going to be left in a gas station or listed on the media ( Newspaper ). This incident was witnessed by several neighbors and a video of the guy still saved on my phone to this day. This was reported but XXXX XXXX XXXX stopped communicating with me after. XXXX XXXX XXXX on the other hand used excessive means like calls, abuse, intimidation, Filling lawsuit on debt collection ( more than three times ). Last one was done on XX/XX/XXXX both sent to me by mail and email, filled by XXXX XXXX and looked like there was no judgement on the case ( improper notification and infringing on my consumer rights ). Not only that Citibank also misstated on the debts, one of them which was $ {$3900.00}, they were trying to collect {$8100.00} ( seriously ) but denied there was ever junk fees and wouldn't explain the other amount they were trying to collect but they forgot they sent me a letter before on XX/XX/XXXX that I saved that showed the break down. These entities have used some extreme measures of which some are considered illegal. Nobody should have to deal with the behaviors of any of these entities that wont even do investigation on any incidents reported to them but only choose to intimidate more and come after collections while breaking the consumer protection laws, the fair debt collection practices acts ( FDCPA ) among others. Documents included

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC
State: OH

Complaint narrative:
I included XXXX XXXX debt in my bankruptcy case ( XXXX XXXX. XXXX ). Despite this, I continue to receive collection attempts via phone, text, and mail. 

I have informed my attorney of this issue multiple times via email. I have contacted XXXX directly to update their records and request they stop billing me. On XX/XX/2024, I informed XXXX XXXX Collections ( XXXX ) about the bankruptcy but received another collection letter on XX/XX/2024. On XX/XX/2024 and XX/XX/2024, I again contacted XXXX and urged them to inform the debt collection agency they sold the debt to. Despite my efforts, I am now receiving collection attempts from a new agency. On XX/XX/2024 I received a text message and called to inform them of the discharged debt. 

XXXX continues to generate monthly bills, which I receive via email and mail. I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to stop these illegal collection attempts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2024-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: DailyPay, Inc
State: FL

Complaint narrative:
DailyPay does not stand by there name. Daily pay does not properly update clients hours in a timely manner. Causing one to not be able to survive if they have unforeseen circumstances. The company is a fraud, there fees are enormous. Daily pay uses the fees from transactions they charge clients as well as they fees they charge the employers to make there money. Its all a money scheme with them and I think they should be held accountable for there mistakes and not be allowed to use the name DAILYPAY because its a FALSE AND MISLEADING COMPANY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2024-07-21 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: OH

Complaint narrative:
My issue is with XXXX XXXX. I began getting calls from them a few months ago that I had two separate loans that needed to be paid off, neither of which were taken out by me, though they had ALL my information attached to them. One was for XXXX dollars and the other around XXXX. I told them on several calls this is fraud and to please open a case, as the sales were made in DE and I live in OH. They told me on every phone call from XXXX now ( XXXX ) they would open a case and not charge or report the items to credit for well over a month. However a few weeks would go buy I would hear nothing and then get another call and the same thing would happen and be told I owe money to them and was told again they opened an investigation, never any proof of this.

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 2024-07-21 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: FL

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY COLLECTION XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: FL

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY COLLECTION XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX

Company response to consumer: Closed with non-monetary relief