vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
Around XXXX of XXXX, XXXX MALEN & ASSOCIATES , P.C . Mailed correspondence to XXXX XXXX XXXX XXXX XXXX  New York stating XXXX XXXX XXXX XXXX allegedly owed a debt totaling in the sum of {$1800.00}, a response was issued in a timely manner in the time frame stated to XXXX MALEN & ASSOCIATES , P.C . seeking proof and validation of debt, such things requested include purchase agreements, contracts with wet-ink signatures and securities that were endorsed on behalf of the all capital letter name XXXX XXXX XXXX XXXX 

After that response was sent certified return receipt, XXXX MALEN & ASSOCIATES , P.C . replied with photo copies of credit card statements with Capital XXXX in the top left hand side in lieu of any contracts between XXXX MALEN & ASSOCIATES , P.C . and XXXX XXXX XXXX XXXX that legally binds XXXX XXXX XXXX XXXX to this allegedly owed debt. 

Furthermore a opportunity to cure notice was issued addressing that MALEN & ASSOCIATES , P.C . was in violation of their obligations under the FCRA and FDCPA and that they must turn over proof on contract between themselves and XXXX XXXX XXXX XXXX, they had chosen acquiescence due to them not being able to provide any actual proof, and proceeded to file a frivolous suit against XXXX XXXX XXXX XXXX. Considering XXXX XXXX XXXX charged off this debt and its taxable income, and a loss for the company, and is considered income, its not supposed to be on the credit report for XXXX XXXX XXXX XXXX, in addition it is also a violation of the FCRA because no notice was provided to give consent, and It is my belief this was done intentionally and deceptively as well as illegally considering a charge off is a certificate of indebtedness, furthermore it is also identify theft, identity fraud, extortion, fear mongering, human trafficking on top of many other fine-able violations that both MALEN & ASSOCIATES , P.C . and XXXX XXXX, XXXX have committed by selling this private identifiable information that DOESN'T belong to either of them to XXXX another, and now acting in the capacity of an attorney, XXXX MALEN & ASSOCIATES , P.C . as stated previously has filed a lawsuit, of which is in the incorrect venue considering XXXX XXXX XXXX. is set up out of Delaware and they have wholly jurisdiction and are a foreign entity and also have an arbitration clause within their contracts to do business with another party stating XXXX or the other party must seek remedy through arbitration. 

in addition to these XXXX companies violations, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reached out on behalf of this also, which is another violation of privacy in accordance with the privacy act of XXXX. 



XXXX MALEN & ASSOCIATES also provided the private identifiable information they illegally obtained to the XXXX to check the military status of XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I pulled my credit report I noticed that this company charged off this account on my credit. If this account was indeed charged off the creditor has failed to provide me with a 1099-c. This company got a tax write off and I should not have this debt reported on my credit profile. This company has failed to send me any forms or any documentation showing that the creditor has the right to report this as a debt. I demand that this company remove this inaccurate information from my credit report immediately, due to this creditor violating 15 U.S. code 1681eb by reporting inaccurate information on my credit profile. According to the IRS a charged off account is considered to be ordinary income. This means this is an inaccurate account furnishing on my credit report. This is cancelled debt, and this company has filed this account on their taxes as income but is also reporting this account on my credit report as debt. The IRS also mentions that this company was supposed to send me a 1099-c form so that I can file this ordinary income. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual to whom the report relates. This creditor is also in violation of using the copyrighted artwork, FIRST MIDDLE LAST, without my prior written consent. This account must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Lend You Cash, Inc
State: WI

Complaint narrative:
I took out a {$900.00} loan on XX/XX/year>. When I signed my loan documents online I thought the interest rate was 34.59 %. I felt the interest rate was high but I needed the money to pay my rent as I was in between jobs. After the first payment came out I noticed the loan payoff was {$970.00}. I called the company to ask why but I wasnt given a straight answer until I asked what is the interest rate. Thats when I was informed the interest rate was 595.79 %. I would have never taken this loan had I known the interest rate was that high. This is completely unfair lending practices and should be illegal.

Company response to consumer: Untimely response
Consumer complaint received 2024-04-09 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2024-04-09 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc.
State: TX

Complaint narrative:
I pulled my credit report I noticed that this company charged off this account on my credit. If this account was indeed charged off the creditor has failed to provide me with a 1099-c. This company got a tax write off and I should not have this debt reported on my credit profile. This company has failed to send me any forms or any documentation showing that the creditor has the right to report this as a debt. I demand that this company remove this inaccurate information from my credit report immediately, due to this creditor violating 15 U.S. code 1681eb by reporting inaccurate information on my credit profile. According to the IRS a charged off account is considered to be ordinary income. This means this is an inaccurate account furnishing on my credit report. This is cancelled debt, and this company has filed this account on their taxes as income but is also reporting this account on my credit report as debt. The IRS also mentions that this company was supposed to send me a 1099-c form so that I can file this ordinary income. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual to whom the report relates. This creditor is also in violation of using the copyrighted artwork, FIRST MIDDLE LAST, without my prior written consent. This account must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I pulled my credit report I noticed that this company charged off this account on my credit. If this account was indeed charged off the creditor has failed to provide me with a 1099-c. This company got a tax write off and I should not have this debt reported on my credit profile. This company has failed to send me any forms or any documentation showing that the creditor has the right to report this as a debt. I demand that this company remove this inaccurate information from my credit report immediately, due to this creditor violating 15 U.S. code 1681eb by reporting inaccurate information on my credit profile. According to the IRS a charged off account is considered to be ordinary income. This means this is an inaccurate account furnishing on my credit report. This is cancelled debt, and this company has filed this account on their taxes as income but is also reporting this account on my credit report as debt. The IRS also mentions that this company was supposed to send me a 1099-c form so that I can file this ordinary income. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual to whom the report relates. This creditor is also in violation of using the copyrighted artwork, FIRST MIDDLE LAST, without my prior written consent. This account must be deleted immediately.

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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing in response to your recent communication regarding the investigation results of my credit dispute, dated XX/XX/2024, in which you provided information regarding the status of certain disputed items on my credit report. 

While I appreciate your efforts to address my concerns, I must express my dissatisfaction with the response provided. Upon reviewing the details provided by TransUnion, I find that there are several crucial points that were to my assumption blatantly denied due to inability to produce requested evidence and now consequently demand immediate attention. 

First and foremost, I had explicitly requested that TransUnion provide me with the investigation results including all documentary material, in accordance with the regulations Transunion and its employees are bound to ; The Fair Credit Reporting Act ( FCRA ) and federal law. However, the response provided by TransUnion fails to fulfill this demand. It was imperative that I was provided with detailed documentation regarding the investigation process and validation of the disputed accounts, or they were to me removed within 4 days as per the statutory requirements outlined in 15 U.S. Code 1681c2. 

Furthermore, I wish to emphasize that the alleged charged-off accounts mentioned in my credit report have already been paid in full being that a charge off is nothing more than a tax write off. Despite the full payment of these accounts, TransUnion continues to report them as charged-off, which is inaccurate and caused significant harm to my character & to my creditworthiness. Additionally, it is important to note that no Form 1099-C has been issued for these charged-off accounts, which raises questions about the legitimacy of the charge-off status and suggests that TransUnion may be engaging in tactics to extort payment under duress. 

Lastly, it has come to my attention that XXXX XXXX is listing XXXX different accounts, each with different account numbers, amounts, dates, and statuses. This inconsistency raises serious doubts about the accuracy and reliability of TransUnion 's reporting. How can XXXX person have XXXX different accounts with the same company? It is evident that TransUnion is incapable of collecting accurate information regarding these matters, and as such, I demand that these accounts be removed from my credit report immediately.

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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-09 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: CA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-04-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: PA

Complaint narrative:
It seems FCRA 605B necessitates the exclusion of any flawed accounts from my credit dossier. Could you verify the documents? Some of the listed accounts exhibit inaccuracies regarding reporting, amounts, and dates.

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 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery continues to allege they have rights to collect a debt from me which is not true. I pulled the companies articles of incorporation and Portfolio Recovery is not mentioned in the companies documents as a party of interest in the companies business practices which is public record. The state requires each business to outline their business practices and what they will be doing. Portfolio Recovery is not listed in the original creditors paperwork therefore under whose authority do they have authority to collect for the company in question. I am not disputing the debt but rather the right they have to do business for the business in question. Furthermore debt collectors purchasing contracts do not give them full rights and this is listed in the federal registry so is Portfolio Recovery alleging they do not have to follow federal regulations because if they do not I would like the paperwork that excludes them from these regulations. I would also like a copy of the authority declaration that they have with the company that must list the board of directors or any attorney in fact paperwork they have to act on behalf of the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP
State: NY

Complaint narrative:
I asked for a credit card but I never got it. I didn't spend any money but I got the statement which is about {$18000.00}. I called the credit card company and i explained to them i didn't receive any credit card but still they did not solve my problem. and aked me to pay with interest {$28000.00}.

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 2024-04-09 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: IL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: FL

Complaint narrative:
I paid off my credit card to XXXX  balance and then the auto payment went through the next day. I asked them to return the funds for the 2nd payment and they returned both payments by mistake. I spoke to the bank and they were supposed to delete the 30 day late from my credit report becuae it was the banks error that caused the late payment. The account is showing the XXXX balance yet the 30 day late rating remains.

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