vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Net Credit regarding a loan that I took out under extremely unfavorable terms. I believe the practices employed by this lender are predatory and have left me in a financially precarious situation. 

Loan Details : - Lender : Net Credit - Loan Amount : {$5000.00} - Interest Rate : 140 % - Date of Loan : XX/XX/21 I have diligently made payments on this loan, but the exorbitant interest rate has resulted in me paying more than triple the original loan amount in interest alone. Regrettably, I am no longer able to sustain these payments due to unforeseen financial challenges. 

When I approached Net Credit seeking assistance or alternative repayment options, I was met with an unhelpful response. No viable solutions or options were presented, exacerbating my financial distress. 

I am seeking your assistance in investigating the predatory lending practices of Net Credit and request the following : XXXX. A thorough review of the loan agreement and terms to assess the legality and fairness of the lending practices. 

XXXX. Removal of all negative remarks associated with this loan from my credit report, as I believe these were incurred under exploitative lending conditions. 

I understand the importance of personal financial responsibility, but I am seeking your intervention due to what I perceive as an unjust and predatory lending situation. I appreciate your attention to this matter and your commitment to consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
A DEBT FROM XXXX FOR A VEHICLE I CURRENTLY NO LONGER OWN AND PAID OFF XXXX TO THIRD PARTY CREDITOR WITH NO CONTRACT IN PLACE THIS ATTORNEY CONTACTED ME AND STATED THAT I OWE HIM FOR THE VEHICLE DEBT THAT WAS ESTABLISHED IN XXXX AND IN XXXX THE ATTORNEY CLIAMED HE WAS HIRED BY THE COMPANY I PURCHASED VECHILE FROM IN XXXX HE WAS Documents By typing my full name below, I certify that the above complaint is true and accurate to the best of my knowledge and that any documents attached are true and accurate copies of the originals. * Signature XXXX XXXX Date of Affirmation XX/XX/XXXX COMPANY I PURCHASED VECHILE FROM IN XXXX HE WAS ATTEMPTING TO COLLECT A DEBT AND BEGAN TO GARISH MY PAYCHECK SINCE XXXX FOR THE CAR PURCHASED IN XXXX NOW THAT IM WORKING WITH XXXX XXXX THE NEW DEBT COLLECTOR XXXX XXXX ATTORNEY RUBAN AND ROTHMAN, LLC ATTORNEYS AT LAW AS OF XX/XX/XXXX THE ATTORNEYS STATE I OWE THEM XXXX JUDGEMENT FROM XX/XX/XXXX WHICH WAS ORGINIALLY XXXX I BELEIVE THE STATUE OF LIMITATION IS ONLY 7 YEARS ALSO THE ORGINAL DEBT SECURITY WAS SOLE AFTER PAYMENT AND NONE OF THIS IS BEING REPORT TO THE IRS WHICH IS ANOTHER FEDERAL OBLIGATION AND NOW FRAUD FROM THESE FORERIGN AGENTS ACTING IN DEBT COLLECTOR CAPACITY WITH OUT CONTRCAT THEY ARE OPERRATING IN A CAPACITY OF A DEBT COLLECTOR AGAIN TITLE 15 USC 1692 G ALSO THE SHERRIF DEPARTMENT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX HAS ADDED {$20000.00} NO EXPLIANATION FOR FEES JUST STEALING FROM THE ELDERLY WITH PAST STATUE OF LIMISATION TO COLLECT AS DEBT COLLECTOR HOWEVER MY CLIAMS AND DEFENSE BEGINS WHEN I NOTICED THE FRAUD UCC 3-305 ( 1 ) as for as these debt collectors 18 USC 1001 and 1005 applies WHICH SEC AND FINCEN SHOULD BE NOTIFIED AND IRS for security fraud using tax payer money to get Judgment without giving me the write to face my accuser IM REQUESTING THE REGISTRATION NUMBER FOR THE FORIEGN AGENTS ONFILE WITH THE DOJ AND ALL MY MONEY BACK FOR FALSE COLLECTION SEE ATTACHMENTS

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 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am writing to formally dispute with your company Midland Collections. I am requesting that you provide documented proof of a written contract between myself and Midland Collections, as well as evidence that Midland Collections holds a New Jersey State Collections Bond. 

It has come to my attention that inaccuracies may exist in the reporting of this account. To facilitate a fair and accurate investigation, I kindly request that you furnish the following information : Documentation proving the existence of a written contract between me and Midland Collections regarding the debt in question. Verification of Midland Collections ' compliance with the New Jersey State C
ollections Bond requirement I believe it is my right, under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), to receive verification of the debt and supporting documentation. This information is crucial for me to assess the validity of the reported collection account.

Please provide the requested documentation within a timely manner 15 days of receiving this letter. Failure to do so may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to rectify any inaccuracies in the reporting of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: IL

Complaint narrative:
I'm writing my complaint to EQUIFAX about the fraudulent and inaccurate information on my credit record that are not genuinely consistent, demonstrated substantial, or recorded as completely evident and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX, XXXX.The FTC report number related with this protest is XXXX. I have perceived likely tricky and verifiably questionable dissent declared demands on my credit record that have no admissible or endorsement settled on by my person of decision. Within my federal and state consumer and/or civil rights, I am entitled to demand and/or compel you to remove/correct them as soon as possible. I'm submitting this complaint to check the guarantee that the specific things you are detailing are in consistence with FACTA Title 1 Segment. 151 that unambiguously obliges a depicted of the modus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Once again they have refused to investigate an error claiming they have already investigated it.. They provided me with a copy of my credit report including all prior investigations. The report they generated clearly shows there have been no prior investigations into any discrepancies.t. Any attempt at filing a dispute will result in an error stating no relevant information provided. I have screenshots of everything. They need to have charges brought against them for again refusing to investigate this entry on my credit report. The first screenshot shows all disputes filed. There are none listed. The second clearly shows what happens when any attempt at filing a dispute occurs. A third is posted to show that the item in question has not been reported to Experian by the creditor in almost 2 years. I have provided them with proof that the account was paid off.They refuse to allow you to file and do nothing but give you errors. Phone calls to them get refused. Both my XXXX and XXXX reports are over XXXX points higher than Experian because of the errors they refuse to investigate. This has now been filed with you XXXX prior times. You have done nothing to hold them accountable for willfully violating federal laws.

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 2024-01-26 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: TX

Complaint narrative:
Credence Resource Management ( CRM ) has reported a derogatory account of {$490.00} on my credit report, and I was never notified of this debt before it appeared on my credit report.

I have initiated multiple disputes, addressing the failure to notify me of the debt and the lack of proper time allowed for disputing inaccurate information. Despite informing XXXX and Experian of these violations, they persist in conducting automated investigations and refuse to comply with Fair Credit Reporting Act ( FCRA ) Regulations. 

On XX/XX/XXXX, I filed a complaint against CRM with the XXXX XXXX XXXX XXXX XXXX XXXX. Several weeks later, on XX/XX/XXXX, XXXX updated the balance to {$320.00} in response to my complaint. This swift adjustment suggests a lack of thorough investigation by the credit bureaus and indicates CRM 's uncertainty about the accurate debt amount.

In my reply to CRM on the same day, XX/XX/XXXX, I asked for concrete proof of debt notification and validation. They claimed to have " no record of that letter being returned undelivered and no record of me disputing the debt or requesting validation during the XXXX period. '' It's unsurprising that they have no records, considering they never sent anything. What record could they possibly have? If you sent it by certified mail, why are you unable to provide the receipt? 

However, their response on XX/XX/XXXX failed to offer any evidence of notification, lacking a certified mail receipt or any supporting documentation. Instead, CRM provided a validation of debt that contradicted the amount reported just eight days earlier ( See supporting Evidence ). 

Despite previous disputes that returned as verified, Experian failed to update the status to " in dispute. '' It is apparent that the debt was not {$490.00} nor was it {$320.00}. As of XX/XX/XXXX, an additional {$130.00} has been removed, reinforcing the assertion that the debt is neither accurate nor valid, as previously outlined in disputes that were disregarded ( See Supporting Evidence ). 

Additionally, Experian 's failure to update the status to " in dispute, '' despite multiple investigations they claim to have conducted, and the reporting of the date of last activity in different years for both XXXX and Experian further solidify that none of the involved parties are performing any meaningful investigation or verification.

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 2024-01-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I do not recognize these inquiries and request that they be removed. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: MA

Complaint narrative:
I am writing to bring to your attention several inaccuracies on my credit report that I previously reported to Equifax on XX/XX/XXXX. Despite the lapse of time, I have not received any response from Equifax regarding the following disputed accounts. I am formally requesting your immediate attention to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1900.00} Issue : This account is not mine. Kindly remove it from my credit report. 

XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Issue : The reported balance is incorrect and is causing significant prejudice to my credit reputation. The Past Due amount for a closed and charged-off account should be revised. Please mark this account as disputed. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$280.00} Issue : This account is not mine. Please remove it from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Issue : The reported balance is inaccurate. The account is closed and charged-off, and the Past Due amount should not be presented. Please mark this account as disputed. 

XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} Issue : This account is not mine. Please remove it from my credit report. 

XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} Issue : The reported balance is questionable, and the account is presented as closed and charged-off incorrectly. Please mark this account as disputed and verify the Date Opened, Date of Status, and First Reported. 

Additionally, I want to bring to your attention the following accurate information that needs correction : XXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$21000.00} Issue : This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$320.00} Issue : This account was never late. Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc.
State: AZ

Complaint narrative:
My son passed away on XX/XX/2023 i was trying to notify agencies to let them know, irs medicare etc. monts later i was looking in his wallet and saw a wisely card i wasnt sure what i was so i called and found out it was his bank, i was finally able to find a live person i was told to close it since he had funds that i was not aware of, i was sent a link i did what it said two pieces of i.d and a death certificate. But then i was told i needed his power of attny. I said how would i know that when my son moved in he was basicly homeless, he owned nothing then it was a beificiarry deed i said who ask their child about their death so they get to keep his funds i cant ask him now i said you people should have that info, not me their is only me and his mother and she has XXXX and is XXXX XXXX XXXX XXXX XXXX XXXX  and i have no idea where since we havent talked in over 35 years, then they said write a short letter just saying you are the beinifiarry that didnt work then i was told a team was working on it and would call me the next two days nothing their is no way to email them XXXX XXXX XXXX cant help you a.d.p. wont help you so you can only call a support number that sounds like a call center working out of a phone booth in XXXX you are put on hold cant hardly understand the person and generaly given the run around, even if his parents arent intitled to his funds thats fine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: MA

Complaint narrative:
I am writing to formally dispute and request an investigation into the inaccurate information present on my credit report. On XX/XX/XXXX, I initially contacted TransUnion regarding these discrepancies, yet as of the present date, I have not received any response. I am seeking your prompt attention to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
The following are details of the inaccuracies and the corrections I am requesting : XXXX  Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1900.00} ) : This account is not mine, and I request its immediate removal from my credit report. 


XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00}, Original Creditor XXXX XXXX ) : This account is not mine, and I request its immediate removal from my credit report. 


XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$250.00} ) : The reported balance is incorrect, and I dispute the Past Due information for a closed, charged-off account. Please revise and mark this account as disputed. 


Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$280.00} ) : This account is not mine, and I request its immediate removal from my credit report. 


XXXX XXXX Account ( Date Opened XX/XX/XXXX, Balance : {$1000.00} ) : The reported balance is inaccurate, and I dispute the presentation of Past Due information for a closed, charged-off account. Please mark this account as disputed, and verify Date Opened, Date of Status, and First Reported. 


XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1400.00} ) : This account is not mine, and I request its immediate removal from my credit report. 


XXXX XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$21000.00} ) : This account was never late, and I request correction of this inaccurate information on my credit report. 


XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$320.00} ) : This account was never late, and I request correction of this inaccurate information on 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 non-monetary relief
Consumer complaint received 2024-01-26 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: VA

Complaint narrative:
I sent a letter on XX/XX/2023 ( USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX ). The company only removed one of the inaccuracies ( XXXX Account number : XXXX ) and has yet to provide verifiable proof of the investigated accounts which is required by FCRA law. The company is illegally reporting inaccurate information ( XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX ) on my credit report. Today makes 32 days since I requested the information in which they have yet to provide. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Under the FCRA, unverifiable accounts must be removed if you are unable to provide me with a copy of verifiable proof. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation. None of the information was provided within the time frame. The reporting practices that they are observing is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
account/contract number : XXXX and XXXX I see that JPMChase has reported the account as Closed/Charged off which prompts me, the consumer, to request my 1099-c, which under Uniform Commercial Code is federal required to be provided. Pursuant the Articles of the Uniform Commercial Code, not providing consumer with 1099-c is a violation punishable under federal law.

I have also requested the full accounting pursuant Article 9 of the Uniform Commercial Code which is not the payment ledger. The full account shows the bookkeeping log for the mentioned accounts.

I have sent instruments to JPM Chase also to discharge the alleged debt via special deposit, which has gone ignored for over thirty days. I have sent out 1040v to the Internal Revenue Service which means the account was credited. See attached evidence. 

I also requested Arbitration with JPMChase and the request was also ignored over thirty days now. See evidence attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
on XX/XX/year> Wakefield and associates attached a collection for {$550.00} to my credit report that belonged to someone else who lives in Virginia I live in XXXX  with a different last name. They added my DOB my SS #, his address his past employment to my record by arbitrarily and maliciously putting my information on a colection that does not belong to me. I am a XXXX credit score XXXX  and this has been a big problem

Company response to consumer: Closed with explanation