vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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: Alorica Inc.
State: TN

Complaint narrative:
XXXX sold their accounts to this incompetent company. It has been nothing but a nightmare since. The first month, they sent me a statement saying what my payment would be with them. All that looked great, at first. Then shortly after I started receiving phone calls saying my account was behind. How could my account be behind when I havent even had my first due date yet??? I asked many times what the issue was and no one could answer my questions. Just that they can only see what was sent from tally I NEVER missed a payment with XXXX. In fact, I dont have any missed payments on credit report. So I paid a normal payment to them just to get them to leave me alone. Then again, a few days later Im getting calls saying Im XXXX something behind with them. AGAIN, how am I behind when I just got transferred to you all and I have already made a payment??? So I talked to probably about XXXX people asking what the deal was, no one could answer me. One time I would get on a call and they said oh your account is fine then another person would say oh its behind but couldnt explain why. I started to question the legitimacy of this company and was very weary of giving them anymore money. Especially when they couldnt explain what they had on file of why I was behind with tally. When I never was!! A week ago, they reported a late payment on my credit report!!! I called them, outraged. Asked to speak to a supervisor and stayed on hold for XXXX minutes. I finally talked to someone and he was very rude at first. I paid them literally almost XXXX dollars just to shut them up about the money I owed which I didnt. I explained the full situation to him, he finally seemed to care a little and said he would take the extra step and send my information to the credit dispute department. And to call back in a few days, I did that and then called a few days later. They said oh call back in another few days it STILL has not been fixed and they are rejecting my dispute. If this does not fix my problem, I will be contacting an attorney. They should not be able to report me as late, WHEN THEY CANT EVEN FULLY EXPLAIN WHAT XXXX FALSELY REPORTED TO THEM APPARENTLY. funny how I never had this issue with XXXX. This company has TERRIBLE reviews across the board and every person you get on the line can barely speak XXXX and is rude from the get go. Something needs to be done about this scam of a company. I want this FALSELY REPORTED information off my credit IMMEDIATELY!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute fraudulent accounts on my credit report due to identity theft. My personal information was compromised in a data breach, which has resulted in numerous fraudulent accounts and unauthorized inquiries. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, I request the immediate blocking and removal of the following fraudulent accounts from my credit file. 

Fraudulent Accounts to Be Blocked : XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX Fraudulent Balance : {$650.00} Date Discovered : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX Fraudulent Balance : {$3900.00} Date Discovered : XX/XX/XXXX XXXX. XXXX. XXXX, XXXX. 
Account XXXX : XXXX Fraudulent Balance : {$350.00} Date Discovered : XX/XX/XXXX XXXX. XXXX XXXX XXXX. 
Account XXXX : XXXX Fraudulent Balance : {$490.00} Date Discovered : XX/XX/XXXX XXXX. XXXX XXXX XXXX Fraudulent Balance : {$280.00} Date Discovered : XX/XX/XXXX I am enclosing my FTC Identity Theft Report ( Report No. XXXX ) as proof of this crime. Under 15 U.S.C. 1681c-2, Equifax is required to block this fraudulent information from my credit report within four business days of receiving this request. Additionally, I request a written confirmation that these accounts have been removed and that no further collection or reporting will take place. 

Please send a response confirming the removal of these fraudulent accounts as soon as possible. If additional documentation is needed, I can be reached via the contact information provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
The APR for my Citi XXXX XXXX Visa increased from 19.99 % to 23.49 %, and the reason given was : " Your APR for Purchases and Balance Transfers and Citi Flex Plans are below the APR ( s ) we offer consumers with the same credit score who apply for the same or a similar card product today. As a result, we are increasing your APR ( s ). '' They go on to cite that my XXXX credit score at the time was XXXX! That is a good score, and certainly not worth a three and a half point jump. Honestly, what would it have taken not to incur an interest rate hike of that magnitude? Id love to see exactly how much was raked in by this stunt. 

I called to ask about this increase, and the first rep I spoke to just said that everyone had an increase ; the second rep said that everyone had their accounts re-evaluated. I asked the second rep about rejecting the terms, and she said that automatically brought up prompts in the system to start the process of closing the account, and she said that I would lose the {$190.00} reward certificate that had already been issued to me but that I had not yet used. 

Closing the account would hurt my credit score, and retracting an already-issued rewards certificate is just punitive. This kind of increase should be illegal ; it is certainly immoral. I have no late payments on my credit report, and I have a proven track record of being a responsible borrower. A XXXX XXXX XXXX XXXX XXXX jump in an kind of interest rate is ridiculous unless you have somehow abused your end of the agreement. A XXXXXXXX XXXX XXXX XXXX point jump in a credit card in particular is particularly harmful to the customer. With the way credit card interest is assessed, it is the most nakedly disgusting money grab, and it is a fundamental breach of trust between the bank and me. Why would I ever want to do business with Citibank again?

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 2025-02-16 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: NY

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXX XXXX  ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i was in the XXXX  with a XXXX XXXX i was given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  i can not handle the stress from this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
I received an account notification from XXXX XXXX and XXXX stating I had a new account in collections. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
I am writing to formally dispute an inaccurate charge-off reported on my credit file by XXXX XXXX/Synovus/XXXX. The account was opened on XX/XX/year>, with a credit limit of {$300.00}. My credit report indicates that the account was charged off in XX/XX/year>, with a balance of {$390.00} written off. 

I believe this charge-off is incorrect due to the following reasons : XXXX. Incorrect Balance Reporting : The reported balance exceeded my credit limit. If there were fees or charges beyond my credit limit, I was not properly informed, and this amount should be adjusted. 
XXXX. Lack of Proper Notification : I was not provided adequate notice or opportunity to resolve the issue before the charge-off. 
XXXX. Unfair Reporting : The charge-off is significantly impacting my credit score, and I was not given a fair chance to dispute or settle the debt before it was charged off. 

Additionally, it appears that the account has been sold to XXXX XXXX XXXX, yet the original creditors charge-off remains on my report. This could lead to double reporting of the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management is reporting an alleged debt on my credit reports without providing validation, despite multiple requests. 

On XX/XX/XXXX, I sent a certified letter ( Receipt # XXXX XXXX XXXX XXXX XXXX XXXX ) demanding validation under 15 U.S.C. 1692g ( b ). Midland ignored my request. On XX/XX/XXXX, I sent a follow-up certified letter ( Receipt # XXXX XXXX XXXX XXXX XXXX XXXX ), again demanding proof. To date ( XX/XX/XXXX ), I have received no response. 

This failure to validate the debt violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Their continued reporting of an unverifiable debt has caused me financial harm, leading to three credit denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Account recovery fee was assessed when my account has not been recovered or needed to be recovered. I have had an XXXX account for over 10 months and should not have been charged to recover my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: MA

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 confidentially under 15 USC 1681. Account name : XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602A. 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 : 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 consumer to any consumer reporting agency if the person knows or has reasonable causes 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 non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
i had this account open back in XXXX  and it was in XXXX  and someone open the account without me knowing that i couldnt get account i was told it was in a collection agency and i filed a report with the agencey about its being fraud i even sent in a letter from attorney stating that i was in XXXX  from XXXX and i didnt know who use my info but i didnt open it they want a police 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 2025-02-16 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: CA

Complaint narrative:
XX/XX/XXXX called XXXX XXXX XXXX XXXX. Spoke with XXXX, a supervisor. He escalated the complaint and said I would receive a call back by XX/XX/XXXX. Case # XXXX assigned. 

XX/XX/XXXX received a call back from XXXX, a supervisor. We spoke for approximately XXXX hours. 
XXXX. I asked XXXX to read out loud the copies and content of the copies of information I has mailed to XXXX XXXX  providing proof the account was not included in the bankruptcy filing. The proof included a copy of my actual paperwork submitted for the bankruptcy petition. He was able to confirm this information to be true and correct. XXXX XXXX  had reported to all XXXX credit bureaus that my account was included in the bankruptcy. 
XXXX. I asked XXXX to confirm my payment history on my account prior to the XX/XX/XXXX closure by XXXX XXXX  as a result of the bankruptcy being reported to the credit bureaus. He confirmed the account was in perfect standing and had a {$0.00} balance at the time of closure. As a result, I asked to have the derogatory remark of a XXXX XXXX that XXXX XXXX  reported in XX/XX/XXXX to all XXXX credit bureaus, removed. He confirmed this was erroneously reported. 
XXXX. XXXX XXXX  also reported that late payments of 30 days and 60 days occurred on the account. This is completely false and is still being reflected on all credit bureaus today. 
When the erroneous XXXX XXXX was reported in XX/XX/XXXX, my credit scores declined by XXXX points and despite my never being late on any payments to any credit cards, my scores have not fully recovered. 
I have submitted multiple disputes with all XXXX credit bureaus since XX/XX/XXXX and directly communicated with XXXX XXXX  and still do not have fully corrected credit reports from all XXXX bureaus. This incorrect information continue to prevent me from getting approvals and opening new credit cards under my name.

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 2025-02-16 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: CA

Complaint narrative:
XX/XX/XXXX called XXXX XXXX XXXX XXXX. Spoke with XXXX, a supervisor. He escalated the complaint and said I would receive a call back by XX/XX/XXXX. Case # XXXX assigned. 

XX/XX/XXXX received a call back from XXXX, a supervisor. We spoke for approximately XXXX hours. 
XXXX. I asked XXXX to read out loud the copies and content of the copies of information I has mailed to XXXX XXXX  providing proof the account was not included in the bankruptcy filing. The proof included a copy of my actual paperwork submitted for the bankruptcy petition. He was able to confirm this information to be true and correct. XXXX XXXX  had reported to all XXXX credit bureaus that my account was included in the bankruptcy. 
XXXX. I asked XXXX to confirm my payment history on my account prior to the XX/XX/XXXX closure by XXXX XXXX  as a result of the bankruptcy being reported to the credit bureaus. He confirmed the account was in perfect standing and had a {$0.00} balance at the time of closure. As a result, I asked to have the derogatory remark of a XXXX XXXX that XXXX XXXX  reported in XX/XX/XXXX to all XXXX credit bureaus, removed. He confirmed this was erroneously reported. 
XXXX. XXXX XXXX  also reported that late payments of 30 days and 60 days occurred on the account. This is completely false and is still being reflected on all credit bureaus today. 
When the erroneous XXXX XXXX was reported in XX/XX/XXXX, my credit scores declined by XXXX points and despite my never being late on any payments to any credit cards, my scores have not fully recovered. 
I have submitted multiple disputes with all XXXX credit bureaus since XX/XX/XXXX and directly communicated with XXXX XXXX  and still do not have fully corrected credit reports from all XXXX bureaus. This incorrect information continue to prevent me from getting approvals and opening new credit cards under my name.

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 2025-02-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX called XXXX XXXX XXXX XXXX. Spoke with XXXX, a supervisor. He escalated the complaint and said I would receive a call back by XX/XX/XXXX. Case # XXXX assigned. 

XX/XX/XXXX received a call back from XXXX, a supervisor. We spoke for approximately XXXX hours. 
XXXX. I asked XXXX to read out loud the copies and content of the copies of information I has mailed to XXXX XXXX  providing proof the account was not included in the bankruptcy filing. The proof included a copy of my actual paperwork submitted for the bankruptcy petition. He was able to confirm this information to be true and correct. XXXX XXXX  had reported to all XXXX credit bureaus that my account was included in the bankruptcy. 
XXXX. I asked XXXX to confirm my payment history on my account prior to the XX/XX/XXXX closure by XXXX XXXX  as a result of the bankruptcy being reported to the credit bureaus. He confirmed the account was in perfect standing and had a {$0.00} balance at the time of closure. As a result, I asked to have the derogatory remark of a XXXX XXXX that XXXX XXXX  reported in XX/XX/XXXX to all XXXX credit bureaus, removed. He confirmed this was erroneously reported. 
XXXX. XXXX XXXX  also reported that late payments of 30 days and 60 days occurred on the account. This is completely false and is still being reflected on all credit bureaus today. 
When the erroneous XXXX XXXX was reported in XX/XX/XXXX, my credit scores declined by XXXX XXXX  and despite my never being late on any payments to any credit cards, my scores have not fully recovered. 
I have submitted multiple disputes with all XXXX credit bureaus since XX/XX/XXXX and directly communicated with XXXX XXXX  and still do not have fully corrected credit reports from all XXXX bureaus. This incorrect information continue to prevent me from getting approvals and opening new credit cards under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: MS

Complaint narrative:
This loan is currently being serviced by MOHELA. The initial loan was with XXXX who then transferred it to XXXX. This loan was included in my XXXX  XXXX bankruptcy filing and a representative from XXXX completed the required claim documents. Payments were made to XXXX throughout the bankruptcy. At the end of the bankruptcy, MOHELA was notified of the discharge. I received bills starting in XX/XX/year> and reached out to MOHELA and informed them of this. The representative confirmed that the discharge documents were received and proceeded to inform me that not all loans are discharged. I informed my lawyer and was advised not to pay the loan. I have been contacted daily regarding this by MOHELA. Now the balance has been reported as past due on my credit report. XXXX discharged my balances with no issue.

Company response to consumer: Closed with explanation