vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HoldCo LLC
State: CA

Complaint narrative:
Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operation which involved me making deposits for a total amount of XXXX USD from my Bitcoin Depot account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am seeking your assistance regarding this incorrect account listed on my credit report. Ive raised this issue because its harming my reputation, and I need your help. The mishandling of my credit report has brought me to my knees, as this incorrect reporting has damaged my reputation. Please remove these mistakes so I can live peacefully with my family.

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 2024-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
i requested for infomation about the debt and i was ask to pay money before any information was given to me and i even sent i written note with attach insurance card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-08-28 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: NY

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-08-28 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: NY

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$680.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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 was completely taken aback when I found inaccurate accounts on my credit report this morning, and Im at a loss as to why theyre there. I check my credit report regularly, and its always been fine, but today there were errors that seemed to come out of nowhere. I even tried refreshing the browser, hoping it was just a mistake, but the inaccuracies persisted. Im now requesting that the documents Ive submitted be carefully reviewed to prevent this from ever happening 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 2024-08-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
My identity was stole in XXXX of 2021. Since then debit has been created in my name. I never lived at XXXX XXXX XXXX XXXX and would like a debit validation letter with the original contract between XXXX XXXX and Transworld Systems as in accordance to the Fair Debt Collection Practices Act. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I have not gone into any contractual agreement with Helvey & Associates Inc. This is the 2nd aggressive manner in which this debt has been violating me. 1st CFPB complaint, # XXXX dated XX/XX/XXXXXXXX  for the same alleged debt. 
I am now demanding this all in writing within the next 5 business days. 

The following attached Cease and Desist needs to be adhered to immediately! 

CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX HELVEY & ASSOCIATES INC . 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX RE : FRAUD/AGGRAVATED IDENTITY THEFT ACCT # XXXX ( XXXX XXXX XXXX ) HELVEY & ASSOCIATES INC. is in violation of 18 U.S.C. 894 for using my consumer report with extortionate means to coerce and swindle me into making payment on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( HELVEY & ASSOCIATES INC. ) furnishing this information to my consumer report and or file. I did not give you permission or authorization to have my personal identifying information, which you ( HELVEY & ASSOCIATES INC. ) have obtained by aggravated identity theft in accordance with 18 U.S.C. 1028A. 

I am aware that my Social Security number belongs to the Social Security Administration, and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C. 8 and being that you ( HELVEY & ASSOCIATES INC. ) are attempting to collect a debt from I, the consumer. This makes you ( HELVEY & ASSOCIATES INC. ) guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C. 3729-3733. 

This is a notice to immediately CEASE AND DESIST of all illegal activities, including reporting with constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by you ( HELVEY & ASSOCIATES INC. ) into the Federal Trade Commission for aggravated identity fraud and theft. 

Failure to XXXX out the balance and remove account within 15 days from my consumer report as requested, will result in legal matters being taken and I will report HELVEY & ASSOCIATES INC. to the Federal Trade Commission for aggravated fraud and identity theft. 

If this matter is not resolved and adhered to by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you ( HELVEY & ASSOCIATES INC. ) and this letter will be tendered as evidence of failure to comply. 


Best Regards, XXXX XXXX XXXX XXXX XXXX Without Prejudice All Natural Rights Reserved Remove any and all collections and balance this alleged debt to XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In the 2nd to third quarter of XXXX I contacted the CFPB because equifax is reporting inaccurate information regarding XXXX XXXX  and these inaccuracies on my credit report are violating my rights of the FCRA It says the account was closed on XX/XX/XXXX, however, in XXXX  I contacted CFPB and asked XXXX XXXX  to show me the original contract validating that this is my debt and I never received that contract nor did I ever receive any proof of how this debt is mine which is madatory to be shown after a investigation has taken place and being that its been more than 30 days. They clearly violating 15 USC under the FCRA laws also knowingly reporting inaccuracies that have been proven to befaulty is extremely illegal and damaging to my credit i need this account removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
This company constantly reports inaccurate info on my credit report and its hurting my score, my job search and apartment. This company reports different info to each credit Union. XXXX deleted this account, because info was correct and I never was provided the documents to prove this is my account. XXXX and XXXX is still reporting this account so I want it removed. The only thing the company is saying is that its my account, I didnt receive any of the documents I asked for. Please delete

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 2024-08-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
My complaint was for the debt collectors COLUMBIA DEBT RECOVERY LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX They said i owe a debt of over XXXX for apartment damages but this amount is way too much. Theres no way anything XXXX worth of damage was done. I did have a dog so there was carpet damage and a few things were left behind, but that it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: PA

Complaint narrative:
This morning, I was disheartened to find unauthorized inquiries on my credit report, and I have no idea why they're there. My routine credit check revealed discrepancies that appeared out of the blue. I even tried refreshing my browser, hoping it was just a glitch, but the inquiries remained. Given this issue, Im urgently requesting that the documents Ive submitted be reviewed thoroughly so I can have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: 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 confidentially under 15 USC 1681. 
Account # XXXX XXXX XXXX XXXX ( XX/XX/year> Account # XXXX inmate Account # XXXX XXXX & XXXX XX/XX/year> I looked at my EXPERIAN credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5, they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) in general if after and reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified, or deleted from the file of the consumer. And according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 2024-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
XXXX delivered defective merchandise. They promised PayPal to provide a refund. They did not provide a refund. PayPal promised to resolve the issue by XX/XX/XXXX but did not. XXXXPayPal stole {$79.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
XXXX XXXX, XXXX and XXXX XXXX, XXXX and NAVY FEDERAL CREDIT UNION were made aware that the alleged mortgage was paid in full, that any amounts showing were in error, except that those amounts are owed to us, that the full amount to pay the alleged mortgage was tendered, received, and change or the item returned with Navy Federal failing to credit the mortgage account. We expressly disagreed with any sum showing as due from us. On XX/XX/2024 an amount was showing as due. We paid that amount showing due on XX/XX/2024. Please see the enclosed check. The scanned image from NAVY FEDERAL does not show .private.special deposit.entrust. which was printed in RED on the top of the check. The date says XX/XX/2024. The amount is XXXX XXXX real united states dollars as shown by the double line in the dollar sign and the wording XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX in united states dollars having the double line in the dollar sign. The account number ending XXXX was written on the face of the NFCU check. The check shows PAID IN FULL. It was tendered, accepted, processed and the account was PAID IN FULL again XX/XX/2024. There was no debt. The Teller confirmed that there were no payments due. We transferred funds into the NFCU checking account for a specific purpose to be used for education and to pay on the purchases. Social Security transferred money into the account. On about XX/XX/2024 Without our authorization, without our consent, NAVY FEDERAL Stole our money {$3400.00} in unlawful conversion and applied our {$3400.00} funds and Social Security funds to a mortgage that on XX/XX/2024 the Navy Federal Teller in XXXX Kentucky confirmed, nothing due, no name on Mortgage. The teller applied the funds XX/XX/XXXX to MORTGAGE HELOC XXXX  in another act of money laundering. The documents show PAID IN FULL XX/XX/2024. NAVY FEDERAL misapplied funds XX/XX/XXXX and caused harm to us in THEFT, Bank Fraud, Conspiracy to Deny Rights, Deprivation of rights under color of law. The XXXX  shows a R.I.C.O.  action with " payment '' on XX/XX/2024. We made no payment as no payment was due. XXXX and Navy Federal Credit Union conspired with XXXX XXXX and XXXX XXXX in a second predicate act of R.I.C.O. action under the XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: KY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number : XXXX. Date late paymenyts XX/XX/2024 This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXX late payment from my credit report. I further request that you notify the credit bureaus ( Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,

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 2024-08-28 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I reviewed my XXXX credit report, XXXX, and XXXX I discovered multiple inaccuracies, including unrecognized collection accounts and incorrect personal information, such as misspelled names, phone numbers, and wrong addresses.. Suspecting identity theft, which I previously reported to the authorities in approxiemately around the year XXXX, when I had to file my taxes. There mortages that were take out on my name, deparment of education loans When I print out my credit report from the credit bureau the credit report aren't displaying accurate information. Collections are assigned to someone else name that isn't me. I have not received any documentation proving the legitimacy of these alleged debts, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). The failure to provide debt validation suggests that these debts are not valid, as supported by the doctrine of estoppel by silence in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. These inaccuracies have caused significant stress and have impacted my ability to secure credit. Despite disputing these items with XXXX, the issues remain unresolved. I am seeking the CFPBs assistance in having these fraudulent collection accounts removed from my credit report and in correcting the personal information errors to prevent further damage. I also request that XXXX and the collection agencies comply with all legal obligations to ensure that my rights are protected

Company response to consumer: Closed with explanation