vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Obligo Inc.
State: CA

Complaint narrative:
I have attached my formal complaint document titled Formal CFPB Complaint Unauthorized Charge and Debt Collection by Obligo. Please see the attachment below for a detailed breakdown of my case, including supporting evidence, key dates, and references to Obligos policy violations and applicable consumer protection laws.

I have attached supporting documentation, including : 1.Obligo Website Policy on Lease Renewal Confirmation : This screenshot from Obligos official website explicitly states that before a lease-end date, tenants will receive an email from Obligo asking if they intend to renew their lease. It further confirms that the deposit-free plan will only renew once the tenant provides confirmation.

This contradicts Obligos claim that they did not require my authorization for renewal. I never confirmed or agreed to a renewal, nor did I make any payment to extend my agreement with Obligo. This evidence demonstrates that Obligo violated its own stated policy by proceeding with charges without my explicit consent. 

2.Obligo Website Policy on Permitted Charges at Move-Out : This screenshot from Obligos official website explicitly states that Billing Authorization with Obligo allows property managers to charge only for damage, cleaning, or missed rent. 
3.Evidence : XX/XX/XXXX Formal Notice to Obligo Prohibiting Unauthorized Payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. A - Obligo Terms of Service 6.Formal Response to Disputed Charges & Request for Immediate Resolution-XXXX XXXX, XXXX ( XXXX  XXXX ) XXXX - Follow-Up on Incorrect Portal Charges and Payment Issues. 
8.formal dispute email 9.Evidence-XXXX XXXX, XXXX My Email to Obligo Disputing the XXXX Charge and Renewal Confirmation Requirement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
I am writing to file a formal complaint against Monterey Collection Services, also known as Monterey Financial Services, regarding their failure to send proper notice of debt and unauthorized debt reporting on my credit report. 

On XX/XX/XXXX, I sent a debt verification letter via certified mail requesting proof of the debt in question. XXXX responded via mail on XX/XX/XXXX, and XX/XX/XXXX, providing the following documents : State Licensing ( XXXX  XXXX  ) Consumer Consent form Sales Agreement XXXX XXXX Account Summary and History IT Distributing ( original creditor ) Account Summary and History with Payment History. 
On XX/XX/XXXX, I sent a follow-up letter indicating that they failed to notify me of this debt and raising concerns about balance discrepancies. Specifically : XX/XX/XXXX balance : {$XXXX} XX/XX/XXXX balance : {$XXXX} XX/XX/XXXX balance : {$XXXX} XXXX replied on XX/XX/XXXX, with the following information : Principal : {$XXXX} Late Fee : {$XXXX} Decline Payment Fee : {$XXXX} Interest to Date : {$XXXX} Total Amount Due : {$XXXX} They also stated that interest continues to accrue until the debt is paid in full and claimed to have contacted me multiple times by phone and email. However, they did not provide proof of these contacts. 

On XX/XX/XXXX, I called XXXX to discuss a settlement agreement. During the phone call, the representative asked for unnecessary personal information, including my employer 's name, which seemed inappropriate and raised concerns about the legitimacy of the call. The representative indicated they would get back to me about a potential settlement, but I never received a follow-up. 

On XX/XX/XXXX, I sent a second follow-up letter requesting the following documentation : Proof of their attempts to contact me, including phone call logs, email correspondence, and certified mail tracking information ( if applicable ). 
Copies of any written notices they claim to have sent me regarding the debt being sent to collections, including the date of mailing and any delivery confirmation receipts. 
As of XX/XX/XXXX, I have not received a response from Monterey Collection Services. 

I am requesting that the CFPB investigate this matter and help ensure that Monterey Collection Services complies with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by providing the required documentation, addressing the discrepancies in the reported debt, and ceasing any unauthorized debt reporting to credit bureaus until proper verification and documentation are provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have submitted multiple letters on XX/XX/year> and XX/XX/year>, requesting for accounts to be removed from my credit report. I've also requested for the investigation done when the allegations from Experian stated they verified the accounts. I have not received any letters or any updates from Experian. This is a violation of FCRA Conducting sharm investigations that fail to properly address consumers disputes : Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher 's response to the disputed information even when responses was improbable or illogical on its face or when Experian routinely and uncritically accepts the original furnisher 's response to the disputed information, even when this response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable Experian. FCRA 's requirements. 
The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to investigate the accuracy of disputed information and take steps to ensure consumers credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. I felt that FCRA reported my credit and failed to inadequately communicate the full scope of the problem. FCRA 's requirements. Disputed intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnisher responses to disputed information, and failure to prevent improper tradelines reinsertions also violate the XXXX XXXX XXXX XXXX XXXX XXXX unfair acts or practice. I am requesting for these accounts to be deleted from my credit file. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out to follow up on my prior request for an investigation into the errors on my credit report, which I originally submitted in XX/XX/XXXX. To date, I have not received any response from your office, and the inaccurate information still appears on my report, negatively impacting my credit. This inaction is both troubling and unacceptable. 

For your reference, the errors I highlighted in my initial letter are as follows : - XXXX  XXXX Balance Owed : {$XXXX} Date Opened : XX/XX/XXXX I respectfully request that Experian resolve this matter without further delay. PLEASE DELETE THE ACCOUNT MENTIONED ABOVE PROMPTLY.

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 2025-03-06 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate and fraudulent information on my credit report. Although I was compensated as part of the Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX for inaccurate reporting, my credit report still contains errors, including unauthorized inquiries and an incorrect address. 

Specifically, I have identified fraudulent inquiries on my report that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of these inaccuracies. I demand a thorough investigation and the immediate removal of all unauthorized or erroneous inquiries. 

Additionally, my correct address is : XXXX XXXX XXXX, XXXX, XXXX XXXX. 

My credit report currently lists an inaccurate address, which must be updated to reflect my actual residence. Please correct this immediately and provide written confirmation once the changes have been made. 

Issues to Be Addressed : Fraudulent Inquiries My credit report reflects multiple unauthorized inquiries that I did not initiate. Under the Fair Credit Reporting Act ( FCRA ), I demand a full investigation and the immediate removal of these fraudulent inquiries. 
Incorrect Address My credit report lists an inaccurate address. My correct and current address is : XXXX XXXX XXXX, XXXX, XXXX XXXX. 
Please update my records accordingly and provide written confirmation of this correction. 
Legal Notice : As you are aware, XXXX has already been sued by the for issues related to inaccurate reporting. If these inaccuracies are not corrected promptly, I will escalate this matter further, including filing additional complaints with the CFPB, the Federal Trade Commission ( FTC ), and other regulatory bodies Thank you for your prompt attention to this matter. I look forward to your resolution of these issues

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 2025-03-06 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
I filled a dispute on the following accounts : XXXX XXXX XXXX/ XXXX  : XXXX, According to ( 1 ) 15 USC 6802 : Obligations with respect to disclosures of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.. i.e. XXXX ( 2 ) 15 USC 1681b Permissible purposes of consumer reports -any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : B ( 2 ) in accordance WITH the WRITTEN instructions OF the consumer TO whom it relates. This addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties ** I never gave them any WRITTEN instructions to furnish anything on my consumer report so they are in direct violation of 15 USC code 1681b** Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA . ( 3 ) 18 USC 1028A - Aggravated Identity theft Whoever knowingly transfers, posses, or uses, without lawful authority, a means of identification of another person shall be sentenced imprisonment for 2 years My rights are in CLEAR violation and this is stopping me from being able to purchase 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 2025-03-06 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: GA

Complaint narrative:
I filled a dispute on the following accounts : XXXX XXXX XXXX/ XXXX  : XXXX, According to ( 1 ) 15 USC 6802 : Obligations with respect to disclosures of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.. i.e. Experian ( 2 ) 15 USC 1681b Permissible purposes of consumer reports -any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : B ( 2 ) in accordance WITH the WRITTEN instructions OF the consumer TO whom it relates. This addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties ** I never gave them any WRITTEN instructions to furnish anything on my consumer report so they are in direct violation of 15 USC code 1681b** Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA . ( 3 ) 18 USC 1028A - Aggravated Identity theft Whoever knowingly transfers, posses, or uses, without lawful authority, a means of identification of another person shall be sentenced imprisonment for 2 years My rights are in CLEAR violation and this is stopping me from being able to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I never had a contractual relationship with Portfolio RC. I believe the original creditor, XXXX XXXX, sold my account without providing proper notification. This is a clear violation of FCRA 611 regarding the reporting of inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-06 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation