vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: KY

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2024-12-27 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:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2024-12-27 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: MA

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2024-12-27 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: Minto Financial dba Minto Money

Complaint narrative:
I applied for a loan through a company called XXXX XXXX XXXX on Saturday, XX/XX/XXXX. They found Minto Money to give me the loan. I had received a notice that I didn't qualify so I didn't think anything of it. On XX/XX/XXXX {$1000.00} was in my account. They sent me the terms of repayment and the interest and payment terms are robbery. {$300.00} every XXXX weeks. I believe it is for 2 years. They gave me only a day to back out. I have their money and I want them to void the contract immediately so I can return their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased shoes for {$90.00}. After a single XXXX mile run, the shoes sole started to break down. I should have been able to put hundreds of miles on my shoes before a break down event. I disputed the charge. From my account it appears CapOne adjusted the {$90.00} to a debit on my account on XXXX. I called and was told to wait on the mail to hand write a response. I got no such mail and the issue has been resolved. 
I need a {$90.00} credit as the shoes purchased were not fit to be running shoes even though the brand and box stated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I put a stop payment on XXXX for XXXX and they said they didn't know if would go thru so i called yesterday again because the transaction showed pending and the citibank representative said don't worry it shows its stopped payment and by XXXX  it will be reversed. Well this morning i wake up and it went thru. i called to put a dispute thru i spoke with a XXXX and a XXXX. XXXX had a very heavy accent so i could not understand his question i asked him to please explain the question and he would not so i answered no and then said they could not proceed with the dispute so now i am short XXXX dollars on my account and will be short for my bills and they told me there is nothing they can do. After banking with Citibank for more than 20 years i am disgusted. Then the supervisor hung up on me and would not help me. XXXX says your on a recorded line i said i don't care it's my money and its unauthorized charge i want my money i don't care if I'm being recorded. Citibank steals peoples money!!!

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 2024-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Beginning of XXXX I opened an online savings account with Everbank. Somehow the {$10000.00} ( opening ) transfer I requested from XXXX XXXX to new Everbank account processed twice so there was {$20000.00} in the new online account. A couple weeks later, I requested a wire transfer of some of the money for personal expense I had to pay for.

Transfer was denied with a letter from their fraud department. I called the number in that letter before closing hours on a Friday - no answer - called again no answer so I left a message. No reply to the message. Since I did not get the money before the deadline I was under ; I then emailed the fraud department and indicated cancel the transfer request. They still had not returned any calls to me. Ten days or so after the rejected wire transfer request I tried to add funds to the account as a direct transfer from XXXX XXXX. The account was locked. I called Everbank and spoke to a representative that said someone from another department would call me back within 48 hours. No one has called. Since my account was locked ; I have called 4 times. No one from Everbank and told me why I do not have access to the funds I transferred from XXXX XXXX. I would like access to my funds and I my account and I would like Everbank disciplined / fined/ penalized for keeping people 's money without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am reaching out for your assistance in investigating accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these late payments, which they agreed to, but they are still reporting them as late. Despite my efforts to follow up, I have received no updates, and this is now my final option for resolution.

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 2024-12-27 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: MI

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.

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 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Subject : Complaint Regarding Settlement Issue with Columbia Debt Recovery Dear CFPB, I am writing to formally submit a complaint regarding the handling of a debt settlement issue with Columbia Debt Recovery, a debt collection agency. I believe their actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and/or Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance in resolving this matter. 

Complaint Details : Debt Origin : XXXX XXXX in the amount of $ XXXX Issue Summary : On XX/XX/XXXX, I contacted XXXX XXXX to negotiate a settlement for the alleged debt. After discussions, I proposed a settlement, but he stated it can only happen when the debt had shown up on my credit report, which it has. which Columbia Debt Recovery failed to provide written confirmation of the terms of a payment structure as required by law. 

My Concerns : Failure to Provide Documentation : Columbia Debt Recovery has not provided a written settlement agreement, which I requested to confirm the terms of our negotiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NJ

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
My account was restricted on XX/XX/scrub> 2024. I have been calling for days with no updates, nobody can give me a timeframe, and I also filed numerous follow ups/escalations. I have kids and bills and this is my only bank account. I also had a representative hang up mid conversation. I have requested to speak with manager each day and have not received any type of callback. The manager is never available. This is a nightmare!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
We hired Lexington law back around XXXX and they never helped fix anything and charged us XXXX $ a month to do nithing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-27 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: MA

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: RI

Complaint narrative:
Jefferson capital system wont mail me an itemized receipt of the debt ( {$690.00} ) or tell me who the original creditor is. Tried to dispute it but XXXX XXXX says its correct ; never been contacted or mailed anything about this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
upon reviewing my credit there are inquires that are made without my permission this is not correct and fraud i never applied for any credit with any of these companies Transunion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Transunion XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
To Whom It May Concern, Subject : Request for Deletion of Unverifiable Account Information I am writing to formally request that CFPB take immediate action to remove inaccurate and unverifiable information from my credit report, as mandated by federal law. Specifically, the account in question is : XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX I recently disputed this account with XXXX and XXXX, as it contained inaccurate and unverifiable information. Following their investigation, XXXX and XXXX completed the process on XX/XX/2024, and confirmed the account was deleted from my credit file. This deletion is clear evidence that the account could not be verified by the furnisher, as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which mandates the deletion of unverifiable information from a consumer 's report. Under the FCRA, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain maximum possible accuracy in consumer reports. Additionally, 15 U.S.C. 1681i ( a ) provides that credit reporting agencies must reinvestigate disputed information and delete or correct information that can not be verified within 30 days. XXXX and XXXX deletion of the account indicates that this data can not be considered accurate, complete, or verifiable. Furthermore, failure to remove unverifiable information may constitute willful or negligent noncompliance with the FCRA, which could subject [ Credit Reporting Agency ] to liability under 15 U.S.C. 1681n ( civil liability for willful noncompliance ) or 15 U.S.C. 1681o ( civil liability for negligent noncompliance ). Please note that I reserve the right to pursue legal action to enforce my rights under federal law, should this matter not be resolved promptly. I respectfully request that Experian, removes this account from my credit report within 30 days of receipt of this letter. Please send written confirmation of the deletion once the process is complete. Enclosed with this letter are the following documents to support my request : A copy of my government-issued identification. A copy of my recent credit report showing the disputed account. Thank you for your attention to this.

Attached you will find supporting documentation for proof of residency for last 36 months as well as ID theft 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