vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. Enclosed are copies of my police report, identity theft report, drivers license, Social Security card, and proof of my current address to verify my identity.

Upon reviewing my credit file, I found several fraudulent accounts that do not relate to any transactions I have made. These inaccuracies need to be blocked and removed immediately. I have also filed a complaint with the Federal Trade Commission to officially document this identity theft.

Per Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and remove the following fraudulent accounts from my credit file within 4 days of receipt of this letter : Identity Theft Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report.

Identity Theft Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report.

Identity Theft Creditor : XXXX XXXX Account Number : XXXX Please remove this account from my credit report.

Thank you for your prompt attention to this matter. I look forward to confirmation that these fraudulent accounts have been removed and blocked.

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 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: CA

Complaint narrative:
Vance and Hoffman Account type collection Balance {$1000.00} Date opened XX/XX/year> I have tried calling the company to dispute but didn't get an answer or an answering machine. I believe this account to be fraudulent and I have received XXXX written or verbal communication this account even existed with the original debt holder, and has now gone to collections with this comany, also with XXXX writen or verbal notice. 

This not the first time fraudulent activeity has been used with my information. I was notified when filing my taxes, someone tried to file in my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: PA

Complaint narrative:
I submitted a dispute with this company and this complaint is to serve as proof that they have received this dispute and not claim ignorance of it in the near future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: TX

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.

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 non-monetary relief
Consumer complaint received 2024-10-21 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: UT

Complaint narrative:
As I was in review of my credit profile I noticed that there were inquiries that are not mine.

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 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I tried to make my first payment with a new credit card and they replied with a notice saying they couldnt accept my payment because of the info provided to them by XXXX. This has happened for the last three months and now I am late. They did finally take my payment for XXXX in XXXX after charging me a {$40.00} late fee. Now they wont take XXXX nor XXXX payment. Im trying to make my payment with my XXXX Account via direct debit. The credit card company is Destiny. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against NATIONAL CREDIT SYSTEMS for Violation of Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against NATIONAL CREDIT SYSTEMS for multiple violations of my rights as a consumer. The agency has engaged in practices that directly contravene the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) and other relevant statutes. 

1. NATIONAL CREDIT SYSTEMS has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 

2. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 

3. NATIONAL CREDIT SYSTEMS has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 

4. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), NATIONAL CREDIT SYSTEMS is flagrantly disregarding consumer protection statutes. 

I demand that the Consumer Financial Protection Bureau investigate these egregious violations committed by NATIONAL CREDIT SYSTEMS and take appropriate action to rectify the situation. Additionally, I request that the agency cease all collection activities until these matters are fully resolved. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently pursue this complaint and ensure that my rights as a consumer are upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding XXXX XXXX XXXX, XXXXXXXX XXXX attempts to collect a debt associated with a XXXX XXXX XXXX credit card account that was fraudulently taken out in my name. This account was not opened by me but by someone else who stole my identity. The fraudulent activity has been reported to the Federal Trade Commission ( FTC ), and I have taken all necessary steps to document the identity theft and protect my credit.

Despite my efforts, XXXX XXXX XXXX, XXXX continues to pursue collection of this fraudulent debt, causing undue stress and further damaging my credit. Additionally, this account and related collection efforts continue to appear on my credit reports with Experian, XXXX, and XXXX, negatively impacting my credit score and financial well-being.

I am requesting that the Consumer Financial Protection Bureau intervene in this matter to : 1. Ensure that XXXX XXXX XXXX, XXXX ceases all collection activities related to the fraudulent XXXX  XXXX XXXX card account immediately. 


2. Have the erroneous information regarding this account removed from my credit reports with all three credit bureaus.

3. Prevent any future attempts to collect this fraudulent debt, as I am not liable for it.

Please let me know if additional documentation is needed to support my complaint, such as the FTC identity theft report or correspondence regarding the fraudulent account. I look forward to your assistance in resolving this matter and restoring my credit to its accurate and rightful status.

Thank you for your attention to this urgent issue.

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 2024-10-21 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: GA

Complaint narrative:
The following credit bureaus stated they would report credit information on my credit report according to FCRA guidelines. I repeatedly disputed XXXX for a late payment in XXXX. I provided documentation to XXXX as well as all of the following credit agencies providing my delinquency was due to an error. The amount was paid XX/XX/XXXX according to my bank statement confirmation number XXXX. I reached out to the provider and the was made aware of the error but stated there was nothing that could be done but send me a credit for the paid amount through the mail in the form of a check. I explained this in writing to each credit bureau and I even called and spoke with several representatives. It's rather unfair that I have a late payment still showing after they have had proof from my accounts.

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 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
I purchased a money order for {$1000.00} through Western Union and XXXX. On XX/XX/year>, I requested a refund. However, since that date, I have not received the money, despite repeatedly contacting Western Union customer service.

Every time I call customer service, they tell me to wait 24 hours, 48 hours, or a week, but they never resolve the issue. On one occasion, they sent me a check, but when I went to cash it, the cashier verified it with Western Union and informed me that the check was invalid. Since then, I have not received any further checks, and I have been waiting for months with no resolution.

I have followed up multiple times, and Western Union continues to tell me to wait, but they have not sent me
the money I am owed. This delay has been going on since XX/XX/XXXX, and they keep making me wait without resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I made my mortgage payment through the Citizens Bank app by electronic transfer from my XXXXXXXX XXXX checking account. I received confirmation that my payment was submitted at that time. Later that day I received confirmation that my payment was received with draft date of XX/XX/XXXX and confirmation number. Monday, XX/XX/XXXX, I received an email thanking me for my payment. Then on XX/XX/XXXX, money was returned to my checking account and I received an email stating that payment was not made. I can verify the funds were in my account on Friday XX/XX/XXXX ( draft date ) and Monday XX/XX/XXXX. However, Citizens Bank representatives keep telling me that my payment was returned for insufficient funds and a late fee and a return check fee were applied. This happened back in XXXX and XXXX of this year as well, so I went to make a payment in person at the bank. I was told they could not accept payment that way but I can try opening a checking account with them. I don't trust them enough to do that, and I would like a method that can ensure my payment is being processed when I'm told it is being processed. So far no one has been able to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NY

Complaint narrative:
Im writing today because I sent a cfpb complaint to equifax about a XXXX  XXXX account that is not reporting accurately. They are claiming my account was late but the information is wrong on my report and according to law credit reporting agencies are suppose to be reporting with 100 Percent maximum possible accuracy. this is not the case with equifax. I sent cfpb complaint number : XXXX. The dispute i sent to equifax does not match the response they gave me at all. Its like they are letting a computer do the work for them. I wrote them in regards to the late payments on my account being fraudulently reported not about my account being a fraudulent account so the response to my dispute is irrelevant to what they investigated. I believe equifax is not thoroughly reading and conducting a proper investigation. This is a violation to my rights and a waste of my time to be waiting over month for them to send me results that do not pertain to my dispute this is unacceptable and CFPB needs to take action against this company. The account i am refering to is XXXX XXXX account number XXXX. this is my second cfpb complaint about this account and about this company. Something needs to be done. Next thing Im doing is taking equifax to court. Best believe i am stacking my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: RI

Complaint narrative:
XXXX claims to have marked the debt as disputed. Has not provided any confirmation of this and credit reporters do not have it marked as disputed either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-22 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: OR

Complaint narrative:
I am writing regarding inaccurate late payment entries on my credit report. I submitted a formal dispute of these items over 30 days ago and have not received any response or validation of these reported late payments. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to : 1. Investigate disputed items within 30 days 2. Provide validation of reported information 3. Correct or remove any inaccurate entries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
i was scammed out of XXXX dollars from a man posing on XXXX XXXX  selling a console. he sent proof of the XXXX working and him even saying he would package it. I sent him the money through cash app and the day to receive the package, the package did not show up. I contacted the merchant and he blocked me aswell as contacted cash app and they pretty much said XXXX you. i went to my bank and they also said XXXX me. i just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: NJ

Complaint narrative:
I have unauthorized inquiries and accounts showing on my credit report. According to the Fair Credit Report Act ( FCRA ), I expect these inquiries and accounts to be removed within XXXX business days. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm Is engaging in fraud, theft and dishonesty. Affirm informed me that they contacted XXXX, and the store informed them that I made three purchases ; but affirm will not provide the order numbers for the purchases because they are being dishonest. 
I contacted XXXX on XX/XX/XXXX, because I knew they did not tell Affirm that I used Affirms virtual card and made three purchases. XXXX is a very reputable company, and they would not lie for Affirm. 
I made two purchases using card number XXXX XXXX XXXX XXXX. The following is the purchases, dates and order : XX/XX/XXXX, Order number XXXX XX/XX/XXXX, Order number XXXX The following is the details of those purchases : XX/XX/XXXX, Order number XXXX in the amount of {$720.00} which was returned ( attachment 1 ) and the following is the return receipt that I received from XXXX on XX/XX/XXXX : Return date XX/XX/XXXX, Return Order number XXXX ( attachment 2 ) The second purchase was made on : XX/XX/XXXX, Order number XXXX in the amount of {$670.00} for the range And {$290.00} for the microwave for a total amount of {$960.00}. 
Affirm Is engaging in FRAUD, THEFT AND DISHONESTY. When I made the first purchase on XX/XX/XXXX, I contacted Affirm and told them that I returned the purchase. The representative told me that I had to wait until the purchase was placed back on the card by XXXX before I could use the card again. XXXX return the money on XX/XX/XXXX, and I purchased XXXX number XXXX which was the range and the microwave and it only cost {$960.00} for both items. XXXX provided me with the return receipt ( attachment 2 ) and I want credit for my money. Affirm is trying to steal money from me because I do not owe them any money. Affirm overcharged me on interest for the items that I purchased. The interest should have only been on the amount of {$970.00}. Also, I should have been credited {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NC

Complaint narrative:
While attempting to get a home loan, I was notified that there are XXXX student loans totaling roughly {$100000.00} each. However, this is a dupliacte. I only have XXXX federal student loan totaling roughly {$100000.00} serviced through XXXX. I need this updated as soon as possible. The former loan servicer was Mohela. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Reviewed my credit report & notice creditor that I never opened an account with. Reached out to have information verified but company was unable to verify. Please this have this account removed immediately off all reporting credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingUSA
State: FL

Complaint narrative:
I went to a Debt Consolidation Company, Lending USA, and after paying them they were reporting on my Credit Report 3 Times.

They were to use the Debt Consolidation Loan, and payoff the Credit Cards.

Instead all of the Debt is still on my Credit Report. 

XXXX XXXX is On My Credit Report, who I never did business with along with Lending USA.

They are illegally reporting kn my Credit 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