vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted XXXX and notified them to dispute INCORRECT late payment ENTRIES on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I had asked them to investigate the following information and correct the inaccuracies at their earliest convenience as these account has never been late.

Details of Disputed Accounts Entry : 1. XXXX XXXX XXXX Account Number : XXXX Date reported late : XX/XX/year> XXXX. XXXX XXXX XXXX  Account # XXXX Date reported late : XX/XX/year> I have reviewed my records and confirmed that the payments on both accounts was made on time. I appreciate your PROMPT attention to this matter and look forward to your response within the XXXX period required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # [ XXXX ], has violated my rights. 

15 U.S.C 1681 section 602 A., states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instruction

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 2024-07-25 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: NV

Complaint narrative:
15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except Rule 46. Objecting to a Ruling or Order Primary tabs A formal exception to a ruling or order is unnecessary. When the ruling or order is requested or made, a party need only state the action that it wants the court to take or objects to, along with the grounds for the request or objection. Failing to object does not prejudice a party who had no opportunity to do so when the ruling or order was made. 

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC v. Jarkesy, 603 U.S. ___ ( 2024 ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
my ex partner filed taxes using my cashapp she hacked i got a letter from cashapp and the irs she has been using crypto and bitcion i froze all and any accounts but she is still using stock and bitcion and theres a broker deal she is claiming

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted the credit bureau the original creditor was XXXXXXXX XXXX they took it off my credit due to fraud then 2 years ago a collection agency picked it up the credit was applied for in 2017 please remove this from my credit its not mine I attached the original police report and letter. XXXX collection is not the original creditor has no right to put this on my credit its costing me not to finance a home

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 2024-07-25 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: FL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the credito

r has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never sent The periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please removed this account from my report, this is hurting my ability to obtain credit and also causing me to have very high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
I need to process disputes on my credit report for all inaccurate an incorrect accounts reporting to my credit. none of these accounts belong to me. this does not follow the FCRA rules. please review an remove the listed items that are reporting to my credit report asap. I am a victim of identity theft.

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 2024-07-25 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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:
I usually check my credit report after I woke up but then this time it was different. There are inquiries that I did not authorize to be on my credit report. I have no kn

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: GA

Complaint narrative:
I am writing to dispute the following unauthorized inquiries that have appeared on my credit report. I have never applied for credit nor given permission to the companies listed below to run inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there are other inquiries on my credit report that I do not recognize and did not authorize. These inquiries are 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 XXXX XXXX These inquiries were made without my consent or authorization. I request that these unauthorized inquiries be removed from my credit report immediately.

Please investigate these unauthorized inquiries and confirm their removal in writing. Enclosed are copies of my identification and a copy of my credit report highlighting the unauthorized inquiries for your reference. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
on XXXX XXXX XXXXXXXX XXXX tendered a security for an amount of XXXX XXXX  to Rocket Mortgage alleged loan # XXXX, in which they received via. registered mail on XX/XX/year> and thru phone recordings after that. they admitted to receiving my security but never applied it to the account, under XXXX XXXX there is discharge for the amount tendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
My student loan servicer Mohela moved my student loans to a new platform. In doing so, the website is much less informational and easy to use than the previous website. I was sent a message on XX/XX/XXXX stating my student loans were to start even though they were supposed to be put on administrative forbearance ( communication on XX/XX/XXXX ). In addition on XX/XX/XXXX I received communication my account was still on forbearance to review my plan. On XX/XX/XXXX I received communication from Mohela stating my forbearance would end and autopay would resume in XXXX of XXXX. I was encouraged the platform to confirm my autopay in preparation. Instead, on XX/XX/XXXX and XXXX was charged two separate payments of {$580.00} to my bank account despite being in forbiddance. I never agreed to this. I received communications on XX/XX/XXXX from Mohela stating my Autopay information was confirmed but no indication I would be charged. I also received a statement the same day incorrectly which was also showing a due date of XXXX, not a charge in XXXX ( even though I was on forbearance ). I spoke with Mohela on XX/XX/XXXX to speak with them regarding the mistaken payments. I was not offered a refund and simply a case was placed to review with no other communication or confirmation. In addition, when speaking with a representative I enquired about a separate communication I received on XX/XX/XXXX stating my payment schedule changed. It stated I was paying {$580.00} when a standard repayment plan was {$430.00}. This directly violates an IDR as I am being charged more than a standard income repayment. To date no further has been taken by the company to resolve this issue and I am of the belief it is intentional to commit fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MA

Complaint narrative:
DEAR SPRING OAKS CAPITAL ; CFPB ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations.

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt.

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt.

Evidence of your authorization to operate in this state.

Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I sent a debt validation request to XXXX XXXX XXXX via XXXX XXXX Mail with delivery tracking ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) concerning an account ending in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX  ), with a balance of {$640.00}. This debt pertains to utility bills incurred after I moved out of XXXX XXXX XXXX, XXXXXXXX XXXX The utility bills were for the tenants who occupied the property after my departure, and thus, are not my responsibility. 

Under XXXX XXXX. XXXX of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX is required to provide validation of this debt within XXXX days of my request. Despite this requirement, they have failed to respond. 

Since this debt has not been validated and it does not pertain to me, I request that it be stricken from my credit report as mandated by XXXX XXXX. XXXX ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year> I saw a post from a company called XXXXXXXX XXXX XXXX XXXX on XXXX on the XXXX XXXX XXXX XXXX. They were Hey Dude shoes that were custom made with XXXX XXXX logs and player numbers. I messaged the seller, and he stated the price of 2 pairs would be {$220.00}. I could send payment through apple pay or pay pal. I don't have XXXX so I said i would through PayPal. I tried to send payment through PayPal to his company, but it would not go through. Pay Pal stated at this time transaction can not be made. My son has apple pay so I stated I will try with his account. I Venmo my son {$220.00} and he tried through apple. The payment had gone through to seller at number XXXX. I then get a text from number XXXX that it was XXXX XXXX and the payment made to XXXX was refunded. Further information will be sent to XXXX on why it is refunded. And it gon na hit your account in the next 48 hours, sorry for the inconvenience. I didn't think anything of it because i thought it was being sent to me because my son 's phone is under my name. So I contacted the seller and stated what the text said. He walked me through on how to send the payment through PayPal. They way he told me to send it was as a personal payment. I didn't even know PayPal had that. The seller stated to send it to account named XXXX XXXX in the amount of {$220.00}. I sent the payment and never received the shoes. While on XXXX I saw the post for the shoes then noticed a few people say that they were scammed. I tried to contact the seller, but I was unable to send a message to the seller. They either had their account set to not receive messages or blocked me. I tried everything I could on my own. I contacted Pay Pal numerous times and the did not try and help me. I spoke with XXXX XXXX in XX/XX/year>, and she stated that she saw in her system that there were numerous complaints against the account for XXXX XXXX. PayPal also stated to contact my bank, XXXX XXXX XXXX XXXX XXXX, to do a chargeback. I contacted my Bank and Spoke with the Manager XXXX who stated that there was nothing they could do, they do not know what a chargeback is, and that it was PayPal 's problem. I have proof that other people have been scammed by this person. From XX/XX/year>, till now XXXX XXXX I have been fighting to get my money back. Both Apple Pay ( through my son 's account ), PayPal, and XXXX XXXX XXXX XXXX XXXX and basically said oh well and have not helped me. No matter which way I had paid this scammer I was scammed and unable to get my money back. Again, I have proof others were scammed. I would like help in getting my money back. I was scammed out of {$220.00} through XXXX XXXX and {$220.00} through PayPal. I am reaching out to see if I could help through your bureau. Thank you for your time and I look forward to hearing back from you.

Company response to consumer: Closed with explanation