vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: SC

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: AR

Complaint narrative:
My information was in the XXXX Data Breach. I filed a report with the FTC over 60 plus days ago. I called all bureaus & I was told to mail in supporting documents to all 3 bureaus which I did. Some of the inquiries were removed but none of the accounts that were listed. I was told that they would investigate and I would hear something within 30 days. However according to a copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This matter still has not been resolved.

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 2025-01-14 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: FL

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
My vehicle was involved in an accident and the XXXX XXXXXXXX XXXX  was not honoring the accident and did not agree to fix the vehicle. When the bank was called the bank implied that the vehicle had gap and the accident process would take place now they are trying to ask me for more money when I never received my refund on my gap or anything but its on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carma Enterprises Inc
State: NV

Complaint narrative:
XXXX never gives me enough information, just says its was verified but they are not investigating this properly! This is not debt I owe but somehow is on my credit report when it shouldnt be!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had my Citi credit card for many years with excellent standing. I have NEVER been late in payments and always made the payments on time. My recent interest rate is at 19.49 % but out of the blue I got a letter from the bank that they are increasing my rate to 24.99 % from XX/XX/year>. My FICO score according to their report is XXXX. I do not see any justification for this steep hike and consider this a very predatory and exploitation act. Nothing has changed with my credit history and I have NEVER been late on any of my credit cards. They claim the reason for this predatory rate hike is that this is the rate they offer to new customers, but I am not a new customer and I have been with them for many years. 

With more than two decades of credit history and dealing with different banks, I have never seen anything like this. I am respectfully requesting they return to the same rate of 19.49 %. 

Thank you.

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 2025-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC
State: TX

Complaint narrative:
I am filing a complaint regarding Allied Interstates failure to provide adequate validation for a debt they claim I owe. The details of my situation are as follows : Background Information : Debt Collector Name : Allied Interstate Original Creditor : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Alleged Amount Owed : {$460.00} Date of Document Received : [ Insert date you received the document ] Nature of the Complaint : Allied Interstate provided a billing statement from XX/XX/XXXX as supposed validation for the alleged debt. However, this document does not meet the requirements of the Fair Debt Collection Practices Act ( FDCPA ) for proper debt validation. Specifically, it fails to provide : Proof of Ownership of the Debt : The document does not include evidence that Allied Interstate owns the debt or is authorized to collect it on behalf ofXX/XX/XXXX 
Supporting Documentation : There is no signed contract or agreement indicating that I agreed to this debt. 
The document does not provide a clear transaction history or explanation of how the balance was calculated. 
Verification of Accuracy : The billing statement does not include information or documentation verifying that the amount claimed is accurate or legitimate.

Required Disclosure of Rights : Allied Interstate did not inform me of my right to dispute the debt or request additional validation within the required time frame, as mandated by the FDCPA.

Why This is Concerning : The billing statement alone is insufficient as proof of the legitimacy of the debt and does not fulfill Allied Interstates legal obligations to validate the debt.

Requested Resolution : I request that the CFPB investigate Allied Interstates practices and ensure they comply with federal laws governing debt collection. Specifically, I ask that Allied Interstate be required to : Provide documentation proving that the debt is legitimate and that I am responsible for it.

Demonstrate that Allied Interstate has the legal authority to collect the debt.

Supply a detailed, itemized breakdown of the alleged balance.

Properly inform me of my rights under the FDCPA.

Attachments : I have included a copy of the billing statement provided by Allied Interstate for your review.

Thank you for addressing this matter. I trust the CFPB will take appropriate action to ensure compliance with the law and protect consumers from insufficient and potentially unlawful debt collection practices.

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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/year> LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERV XXXX, SC XXXX Re : Debt Validation Request ( ACCOUNT # XXXX ) Dear : Collection Agency Representative I am writing to request validation of the debt you are attempting to collect from me. I have recently pulled my credit report and noticed that there is a collection listing from your agency. Stating I owe {$860.00} on account XXXX. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C $ 1692g, I am requesting that you provide me with the following information to validate this debt : 1. The amount of this debt 2. The name and address of the original creditor 3. The date of the last payment 4. The date of the default 5. A copy of the original contract or agreement 6. A detailed accounting of all Fees and interest added to the dept.

7. Proof that the statute of limitations has not expired. 

Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 

Please note that I am not admitting to owing this debt and am only seeking validation of the debt as requested by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I previously disputed reports of accounts with TransUnion, which they claimed to have verified on XX/XX/year>. However, I believe that the verification process was not conducted properly. My dispute was not thoroughly investigated, as required by law. 

Actions taken by me : 1. I filed a dispute on XX/XX/year> with TransUnion regarding 9 accounts to be late payments as reporting on my credit file. I believe this is a clerical error on either TransUnion end or the creditors end. I was expecting a proper investigation and demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating TransUnion immediate actions to rectify the said XXXX accounts. 


Actions taken by TransUnion : XXXX. XXXX responded that the accounts were verified but did not provide adequate details or demonstrate proper review.

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 2025-01-14 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:
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 has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
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 has violated my rights.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: MA

Complaint narrative:
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 I didnt fill out another application with these companies and they already had an account with my name opened. This is getting outta hand with the understanding of what these companies have done. I called to fix issues not do another hard pull

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: MA

Complaint narrative:
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 I didnt fill out another application with these companies and they already had an account with my name opened. This is getting outta hand with the understanding of what these companies have done. I called to fix issues not do another hard pull

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 2025-01-14 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: TX

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 non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I filed a claim number XXXX for {$1000.00} It was unauthorized transfer of money into a bank account that wasnt mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have requested debt validation letter be sent via mail no response I have disputed multiple accounts being reported from Experian and accounts are being returned stating will remain. I have sent multiple letters disputing addresses and names from Experian consumer report with no explanation in writing explaining the reason

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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint against UCB Collections for reporting an unverified debt on my credit report. Despite my repeated attempts to validate this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), UCB Collections has failed to provide any evidence that the debt belongs to me. 

This account continues to negatively impact my credit report across all three major credit bureausXXXX, XXXX, and XXXX. I have followed all the necessary steps, including sending a written request for validation to UCB Collections, yet they have not fulfilled their obligation to verify the debt. 

Under the FDCPA, UCB Collections is required to provide adequate proof of the debt, such as documentation that the debt is accurate and belongs to me. Since they have failed to do so, I request that the CFPB intervene to : Ensure that UCB Collections ceases all collection activities related to this unverified debt. 
Instruct UCB Collections to immediately request the deletion of this account from my credit report with all three credit bureaus. 
Please find attached all relevant documentation, including copies of my validation request, proof of delivery, and copies of my credit reports showing the erroneous entry. 

I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a letter saying I have debt from Paypal Pay Monthly of {$590.00}. I went to my Paypal account and see no unpaid payments to Paypal Pay Monthly. Everything is caught up. It also says its as of XXXX but I see nothing. If there is any way I could see how to pay it, that would be great or even information of why I cant even see that missing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In XXXX, sent money using XXXX, the money went to XXXX XXXX detailing and not to XXXX XXXX I have requested money back from my bank, from XXXX and reported this to XXXX as well My complaint with XXXX was denied stating that " I did this '', not that someone took my funds??? which is my stipulation. XXXX has responded to XXXX that I should tale to XXXX, which is impossible and they refer back to the bank. 
the concern is to XXXX and then I plan to do one to Wells Fargo, as XXXX tells me that they have my money. 
This fraud has caused undo hardship to myself, my family and the owner of XXXX XXXX detailing as he never received the money either and has been blocked from 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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
LVNV Funding LLC C/ O Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX SC XXXX RE : Debit Validation Request- To whom it may concern : Collection Agency Representative I am writing to request validation of the debt you are attempting to collect from me. I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action of that I owe this debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money. From me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Pursuant to to the Fair Debit Collection Practices Act ( FDCPA ), 15 U. S. C. 1692, I am requesting that you provide me with the following information to validate this debt.

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt.

Agreement that bears signature of the alleged debtor with promises to pay the original creditor.

Complete payment history on this account to prove that the amount you wish to collect is correct. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

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 Bank 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 response to consumer: Closed with explanation