vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
Got a call from SoFi Fraud Dept claiming someone I. Texas was using my card at XXXX and a gas station. I verified it was not me. He did a hard reset on my card and gave me a temp password to get into my account. As we were speaking he said someone was currently in my account. He then asked if I changed my phone number. I replied no. He said he took care of it and card is good, express mailed a new card and reset the phone number back to mine. No additional charges were made. Got off phone went to log in and the authentication code was being sent to a phone number that was not mine- yet again. I called them back again. Someone else changed the phone number and again said it was fixed. I tried to log in and get again it was the other number. I got multiple emails showing it was changed to mine and within a minute another email saying it was changed back. I asked if my card was active that I was just going to withdrawal all the money. He said yes go take the money then call them back and they will shut down the account. Within 10 minutes I went to cash station and entered my PIN number 3 different times and it said that was not the PIN number. How could that be? Its my PIN number I have used for a long time. I get home and call them back again. Again the day oh thats not the phone number on file- of course not because it keeps getting changed back. Not this has gone on for three hours and during this time more money is being taken out. 3 charges I. Georgia at XXXX and a gas station totally over XXXX. Then a random deposit form XXXX XXXX  for XXXX. They claimed everything had been fixed. I log back in and the same issue linked to the other phone number. Call back again now going on 4 hours. The guy said he changed it again- shut down and restricted the account so now I cant get the money at all nothing coming in or out. He said I will order you a new card. I said the fraud dept earlier ordered me one to be expressed. He said there is no card order here. I said what? Thats cant be. He said no. I said well this is the number that called me and filed this originally. I read him the phone number and he stated it was not SoFi. I said that isnt possible as I recieved text messages from him while on the phone for the authentication code and temp password. He said well that wasnt us. I am afraid this is possibly an inside job as I was talking with them over 4 hours more purchase, phone number continued to change as they claimed to have change it. Couldnt access my money as my PIN was not recognized and then the original caller was not SoFi they claim. I am very upset. I leave for vacation tomorrow with no money and now need to wait for an investigation to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TX

Complaint narrative:
My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 those account 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 creditor 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. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 2024-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Attempting to collect debt that is not mine. Reporting collection to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a letter from XXXX XXXX XXXX  stating that my credit card account debt in the amount of {$1200.00} was sold to Midland Credit Management. I called the bank to let them know that I didn't recognize the charges and would report identity theft. 
The transactions took place in XXXX of 2023 in a XXXX XXXX in XXXX XXXX, Florida. 
This debt is a result of identity theft and fraud, and I need to solve this issue as soon as possible. 

Please advise what the next step would be to avoid credit issues for a debt that is not my responsibility. 

I appreciate your prompt attention to this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: NY

Complaint narrative:
For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Someone using my credit I saw on my credit I owe XXXX $ when I never used my credit day in my life I TRIED to have them dispute it but they wouldn't it's someone using my credit information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Chime Financial Inc
State: WA

Complaint narrative:
my chime digital cards are not available to use I'd like to be able to use them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I ahave asked the bureau to removed inaccurate information from my credit report that includes personal information, accounts and collections. I have asked bureau to produce original contract with signature stating that I guaranteed to pay debt or collection and they have not provided that to me. 

XXXX XXXX XXXX  {$25.00} ( fraudulent, not mine ) - XXXX : {$9800.00} ( fraudulent, not mine ) - XXXX XXXX {$6600.00} ( Fraudulent ) - XXXX XXXX {$9800.00} ( Fraudulent ) - XXXX : {$930.00} ( Fraudulent ) - XXXX  XXXX XXXX {$10000.00} ( Fraudulent ) All inquiries are not attached to no account, please delete. 

Personal information is inaccurate, old addresses need to be deleted b/c of attachment to identity theft/fraud

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 2024-08-06 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: SC

Complaint narrative:
I ahave asked the bureau to removed inaccurate information from my credit report that includes personal information, accounts and collections. I have asked bureau to produce original contract with signature stating that I guaranteed to pay debt or collection and they have not provided that to me. 

XXXX XXXX  : {$25.00} ( fraudulent, not mine ) - XXXX : {$9800.00} ( fraudulent, not mine ) XXXX XXXX XXXX  {$6600.00} ( Fraudulent ) - XXXX XXXX {$9800.00} ( Fraudulent ) XXXX XXXX  : {$930.00} ( Fraudulent ) - XXXX XXXX XXXX {$10000.00} ( Fraudulent ) All inquiries are not attached to no account, please delete. 

Personal information is inaccurate, old addresses need to be deleted b/c of attachment to identity theft/fraud

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 2024-08-06 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: Possible Financial Inc
State: MO

Complaint narrative:
I noticed some errors on my credit report. According to the FCRA section 605B it is illegal to report information on my credit report without my permission.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Wait times to speak to a representative of this company ( a.k.a., TD Financing, TDF ) in the times that I have called have been over 117 minutes before I was unable to continue holding and had to give up. TDF is non-communicative by phone and by certified mail ( USPS, TDF has received, see attached ). The one time I did get through, TDF opted to not waive the late fee due to my late receipt of their USPS-mailed bill. I then immediately paid that late fee. I have had no late payments over nearly 3 years except that one, and none since. Nevertheless, TDF added a second late fee, in violation of their statement : " While we investigate whether or not there has been an error... : We can not try to collect the amount in question, or report you as delinquent on that amount. [ Adding subsequent penalties to an amount they are investigating is an attempt to collect ; also the company reported me delinquent to " credit bureau 's '' ( sic ) ] ... While you do not have to pay the amount in question, you are responsible for the remainder of your balance. [ which was paid, and on time ]. '' I have paid the remaining principal & interest to close my account but TDF insists my account is open and is adding late fees to late fees, ballooning my supposed balance in violation of their own terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-06 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Formal Dispute of Debt Collection Entry on Credit Report To Whom It May Concern, I am writing to formally dispute the debt collection entry on my credit report, which is being reported by XXXX XXXX XXXX. The account number associated with this debt is XXXX On XX/XX/year>, I sent a pre-arbitration demand letter to XXXX XXXX XXXX, addressing several violations they have committed under the Fair Debt Collection Practices Act ( FDCPA ). The letter outlined the following violations : 1. List Violation 1 failure to notify certified mail 2. List Violation 2 XXXX XXXX The letter was sent via certified mail with tracking number [ XXXX ], and I have attached the green return receipt slip, which confirms delivery on Date XX/XX/year>. Despite receiving the letter, XXXX XXXX XXXX has failed to respond within the legally required time frame. 

Given this lack of response, I am disputing the accuracy and validity of the debt collection entry on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are responsible for ensuring that the information they report is accurate. Continuing to report this debt, without proper validation, makes your organization potentially liable for arbitration alongside the debt collector. Each violation is XXXX. 

I request that you conduct a thorough investigation into this matter and remove the disputed entry from my credit report. Please provide me with written confirmation of the actions you have taken to resolve this issue within 30 days without E-Oscar system. This while be third round of dispute and Im keeping all records proof that I tried to resolve issue several times.

Attached to this letter are copies of the following documents for your reference : 1. The pre-arbitration demand letter sent to the debt collector.

2. The green return receipt slip with the tracking number and delivery confirmation.

3. A copy of my credit report showing the disputed entry. 

I trust that you will handle this dispute with the urgency and diligence it requires. Should you need further information or documentation, please contact me at the details provided above. 

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 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
XXXX deposit showed up as not going through on the app but was still taken funds from my bank account. Sofi has taken more than 3 months to do something about it, not even give a provisional credit and their customer service is absolutely terrible. No body can help you in regards to your dispute and the only people that can are available through email only supposedly that dont answer you for weeks on end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: MO

Complaint narrative:
I noticed an improper error on my credit report. According to the FCRA it is illegal to report information on my credit report without my permission.

Company response to consumer: Closed with non-monetary relief