vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: DC

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft resulting from a data breach, and the accounts and inquiries listed below were added without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these items to be immediately blocked and deleted from my credit report. 
XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: MI

Complaint narrative:
XXXX, experience, equifax have all XXXX reported info. Which shows multiple errors. How do I go about getting them removed. From old addresses to late payments. I have XXXX outstanding loans but yet my credit has not moved in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: MI

Complaint narrative:
XXXX, experience, XXXX have all XXXX reported info. Which shows multiple errors. How do I go about getting them removed. From old addresses to late payments. I have XXXX outstanding loans but yet my credit has not moved in years.

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 2024-11-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: DC

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft resulting from a data breach, and the accounts and inquiries listed below were added without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these items to be immediately blocked and deleted from my credit report. 
Fraudulent Accounts : 1. Creditor 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> I come to the bank to deposit checks to my business account, when I noticed my balances was not adding up. 
teller told me there is a pending wire transfer going out of my account. I sat with a persona! banker right away and the banker was able to call someone to have the wire stopped. Why didn't anyone call me to verify if I was transferring so much money????? Then I find out my grandchildren 's custodial accounts were in jeopardy!!! Someone transferred all the money from their accounts to wire transfer to another account!!!!! have business accounts/personal accounts/custodial accounts with Citi Bank and no one advised me all my money was going out. 
How can my bank let my money and my grand childrens money leave my account without my authorization! Until this day Citi Bank will not return my money back to me and my grand children. It is against the law to use my grand children 's money and Citi Bank is breaking the law. I come to the bank on a weekly basis to check the status of my investigation and they always tell me the same thing, " sorry the denied your claim, nothing else can be c What kind of response is that???? Oven {$100.00} XXXX US DOLLARS was stolen from me and my grandchildrens account and all l get is NOTHING CAN BE DONE???? That is unacceptable! Citi Bank CAN get my money back but they will not because it's not their money that was stolen! I even went to the police

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 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB. XXXX SSN # XXXX .... I have two accounts listed below that I do not recognize or give permission or consent to be this is fraudulent information and This cfpb complaint has been filed to request pursuant to FRCA 605B ( 15 U.S.C. 1681c-2 ) That you, the Experian credit reporting agency block information appearing on my consumer credit report that is the results of identity theft and fraud within four business days of receiving this complaint. This fraudulent and accurate and false information consists of a personal credit card account open at XXXX XXXX, on XXXX under the account number # XXXX with a balance of {$1000.00} ..... XXXXXXXX XXXX, open on XXXX with a balance of {$3800.00}... I do not recognize these accounts on my credit profile and did not give authorization or consent to be open this is fraudulent information these counts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, I've attached a list of the two fraudulent accounts and questioning as well as a copy of the items I do not recognize the aforementioned accounts, collections, and heart inquiries appearing on my consumer credit report maintained by you were not open, made, or initiated by me. All of the fraud. I have attached a copy of FTC identity theft criminal complaint number and proof of the US Federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud please remove immediately I demand it

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 2024-11-22 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Makes Cents, Inc. dba Advance.Cash
State: NV

Complaint narrative:
I received an email from this company on XX/XX/year> stating a payment was coming due. I had never heard of this company before. I looked them up online and used my email to reset the password for the portal. I was able to gain access and then found out someone stole my identity to take out a loan. They had all of my information, but the banking information provided was not my banking information meaning whoever stole my identity used their personal bank account to receive the funds. I contacted this company and told them my identity was stolen and asked why they didn't verify the bank account they sent the funds to, because if they did they would have caught that the account was not owned by me. They said they dont care and the person who stole my identity had my social security number and thats all they care about. I said I wanted my personal information removed from their site and the debt to be settled they said I had to send in my police report which was actually the XXXX report since it is a online crime the police department dmsaid that is whete the teport needed to be filed as well as my bank statements. I complied and sent this information to them.. i have received no response from the company. They seem to be protecting a criminal and not wanting to rectify their poor business dealings of giving a loan to a criminal. I want my information removed from their site and the debt removed from my name!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 


Inquiries 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 non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: MS

Complaint narrative:
I took a loan on XX/XX/year> using Uplift to pay XXXX XXXX. In the amount of {$2200.00} I have payments with no problem until XX/XX/year>. My regular payments are {$160.00} using my bank account. I also noticed that they charge ridiculously amount of interest if you use their option to delay payment. I also noticed the terms and condition along with their operations maybe in violation of the law. 
My issue for filing this complaint today XX/XX/year> is a payment issue. A double payment was made on XX/XX/year>, Friday for {$160.00}. I called my bank and Uplift/ XXXX XXXX. I was informed by a Uplift agent that is was there app error that has been down for a few months or glitch. They noted this in their system and told me I would be refunded. I kept calling and emailing them. I called last week several times and they told me they had to wait until the payment posted or cleared the bank first to refund. A week later the payment was cleared but no refund for the double payment. I filed a dispute with my XXXX XXXXXXXX. I received a text message alert on XX/XX/year> Saturday saying payment failure and when i logged into my account on the browser website I noticed the double charge or {$160.00} was gone, likely due to my bank dispute. I called this morning / today on XX/XX/year> and spoke to an agent about the refund for the double charge. Instead of complying with my request the lady agent refunded my current payment for the amount which is {$160.00}. I told her this was incorrect and almost immediately my account turned red saying past due {$160.00}. The agent wasn't well trained and made several mistakes. The phone called disconnected. I called back and male agent answer my call. He saw what happened and was noted in the system. He told me he couldn't stop the actions of the last agent and couldn't get the refund for my regular payment to stop but TOLD ME SINCE MY ACCOUNT IS NOW PAST DUE YOU CAN MAKE ANOTHER PAYMENT! Seems illegal. I would like billing issues fixed and refund. I can't even use my current bank account to make any payments on their website being blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Email : XXXX XX/XX/year> Transworld Systems Inc. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX PA XXXX Subject : Notice of Dispute and Request for Debt Validation** Account Number : XXXX To Whom It May Concern, This letter serves as a formal Notice of Dispute regarding the alleged debt associated with the above-referenced account number. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full validation of this debt.

Please be advised that I am not acknowledging or admitting responsibility for this alleged debt. As the purchaser of this alleged debt, Transworld Systems Inc. is subject to the terms of the original agreement with XXXX, including any arbitration clauses. If this matter can not be resolved amicably, I will initiate arbitration and seek all available remedies. 

To validate this debt, please provide the following : Proof of the original agreement : A copy of the signed contract or agreement between me and XXXX that shows I am obligated to pay this debt. 
Itemized account statement : A complete breakdown of the debt amount, including principal, interest, fees, and any other charges. 
Proof of assignment or ownership : Documentation showing that Transworld Systems Inc. has legal standing to collect this debt, including the chain of custody if the debt was sold or transferred. 
Verification of compliance : Documentation showing that this debt complies with all state and federal statutes, including statutes of limitations. 
Additionally, I request that you immediately cease any collection activities, including reporting this account to any consumer reporting agencies, until the debt has been fully validated in accordance with federal law. If you have already reported this alleged debt, please update any credit reporting agencies to reflect that the debt is under dispute. 

You have 15 days from the date of this letter to respond and confirm your compliance with my request. Failure to do so will leave me no choice but to proceed with arbitration, where I will seek all available remedies for violations of my rights under applicable laws. 

If you can not provide the requested documentation, you must cease collection efforts and remove any negative information you may have reported to the credit reporting agencies regarding this account. 

This letter is not an admission of liability and does not authorize any additional collection activity. All communication regarding this matter should be made in writing to the address listed above or via email at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: TX

Complaint narrative:
As of XX/XX/year>, Discover Bank added a subsection to their Deposit Account Agreement that I believe is in violation of the Electronic Fund Transfer Act. They state that as long as they follow their security procedure, which I believe is woefully inadequate for a financial institution, that they are not responsible for an unauthorized wire transfer, " even if the transaction request was not intiated or authorized by me ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: Experian Information Solutions Inc.
State: IL

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 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
I am filing this complaint regarding a collection account reported on my credit report by Columbia Debt Recovery. Despite their efforts to collect, neither Columbia Debt Recovery nor XXXX, which continues to report this account, has provided proper validation of the alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any alleged debt. This includes documentation verifying the original creditor, account details, and proof that the debt is legitimately tied to me. Columbia Debt Recovery has not fulfilled this legal obligation. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), XXXX must ensure the accuracy and integrity of the information they report. Continuing to report unvalidated accounts violates federal law and causes undue harm to my credit profile. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. I seek the immediate deletion of this unvalidated account from my credit report by XXXX. Furthermore, I demand that Columbia Debt Recovery cease all collection activities unless they can provide full and valid documentation proving the legitimacy of this debt, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Alliance One, Inc.
State: MA

Complaint narrative:
I am writing to formally address my ongoing dispute with AllianceOne Receivables Management Inc. regarding an alleged debt of {$3300.00} that they claim I owe. Despite my repeated requests for debt validation, I have yet to receive any documentation to substantiate this claim. 

On XX/XX/year>, I sent a debt validation letter to AllianceOne, clearly outlining my request for proof of the alleged debt. As per the Fair Debt Collection Practices Act, I understand that I am entitled to this documentation, and it is unacceptable that they have not responded with any supporting evidence. 

The lack of communication and failure to provide the requested validation not only raises serious concerns about the legitimacy of this debt but also reflects poorly on the company 's business practices. I believe that they are attempting to collect a debt without the necessary legal backing, which is both unethical and frustrating. 

As of today, I am not inclined to pay this amount until I receive the proper documentation that confirms I owe this debt. I request your assistance in resolving this matter and urge you to hold AllianceOne accountable for their lack of responsiveness and transparency.

Company response to consumer: Closed with non-monetary relief