vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I went to Experian 's website. I had recently had a identity theft scare, and was trying to do my best to protect my information. I knew that I could take preventative measures by requesting that my credit be temporarily put on hold, and it was my understanding that the law required that I would not have to pay for this protection. I did this for all three of the credit reporting sites. 

Today, XX/XX/year>, I was checking my bank and credit card accounts to try and figure out if I could afford to buy groceries this week. That is when I discovered a pending charge for {$27.00} dated for today. After a quick search, I found that there were a total of three charges on my credit card from " Experian Credit Report. '' They were all for the same amount and dated one month apart, starting back on XX/XX/XXXX. 

I know that I did not knowingly agree to a monthly subscription fee. The only services I ever received from Experian told me of possible threats to my identity and offered to assist me if I paid them money. I had assumed these emails were marketing scams. I didn't realize I was actually paying to be intimidated. 

The total money that they charged, {$81.00}, may not seem like a lot to a large, internationally traded company. But when you are trying to decide how much you can afford to eat, it is enough to tip the scales. 

The fact that they do this is sick. In our society, we don't get to chose whether the Experian Company 's report affects our lives or not. Experian is one of three company that gathers intel, makes calcuations, and then spits out a numberical judgement of us that will be used to determine so much of our abilities in this world. There is no opt out from their influence. We should at least be able to know whether or not Experian are extorting money from us like 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 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, I was shocked to receive an alert from my credit monitoring service indicating a drastic drop in my credit score, flagging a potential identity theft. This was a significant emotional blow, as I have maintained an excellent credit score and carefully manage my finances. I immediately investigated and found that my Venmo account, which I trusted fully, was showing an unexpected balance of {$9900.00} with interest charges totaling over {$2600.00} ( a few hundreds every month in the past 2 years ). 

I have been a loyal Venmo user, relying on the apps services for years and trusting that the company would communicate any important account information accurately. I regularly check my Venmo app and had always seen my Venmo Credit Card listed with no balance or alerts that would indicate a problem. Venmo has also been sending me paper statements monthly, and none of these statements showed this large balance or any accumulating interest, reinforcing my belief that everything was fine. 

I realized that I always saw an empty app screen whenever I opened my app which was clearly bug and I just saw the accurate app screen {$9900.00} on XX/XX/XXXX. 

The apps failure to display any clear information about this balance left me unaware of the accumulating charges, and I am certain this issue is due to a technical flaw or bug on Venmos part. Had I seen even a small balance, I would have paid it off immediately, as I always have with all my accounts to avoid interest charges. In fact, I have never carried such a large balance or accrued interest, and this situation has now damaged my credit scoresomething I have worked for years to protect. 

Upon discovering this issue, I called Venmo customer support and spent over an hour with three different representatives. Each one confirmed the balance as correct but was unwilling to waive the significant interest fees or acknowledge any fault in how the app displayed account information and how they failed to inform me. Instead, I was left feeling dismissed and without support from a company I trusted. 

After researching online, I found others have also had negative experiences with Venmos customer service and communication issues, which deepens my frustration. I have since paid off the balance, but I am now requesting a full refund of all interest charges due to Venmos lack of transparency and failure to notify me properly. I am also seeking compensation for the time, emotional distress, and impact on my credit score, all caused by this preventable 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 explanation
Consumer complaint received 2024-10-26 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
on XX/XX/XXXX, and XXXX XXXX  I sent certified letters to XXXX asking to verify this alleged debt with columbia debt recovery, Failure to Provide Verification Documentation XXXX should provide : 1. The specific method of verification used to confirm this debt.

2. Documentation supporting the legitimacy and ownership of this debt, including : The original signed contract or purchase agreement. 
Proof of chain of custody from the original creditor to Columbia Debt Recovery. 
Date of first delinquency with the original creditor. 
I received immediate response within XXXX hours that it was verified with no method of verification .under 15 usc 1681i this is now pending litigation and I expect this account be removed immediately from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: Glass Mountain Capital, LLC
State: CA

Complaint narrative:
on XX/XX/XXXX, and XXXX XXXX  I sent certified letters to XXXX asking to verify this alleged debt with XXXX XXXX XXXX, Failure to Provide Verification Documentation XXXX should provide : 1. The specific method of verification used to confirm this debt.

2. Documentation supporting the legitimacy and ownership of this debt, including : The original signed contract or purchase agreement. 
Proof of chain of custody from the original creditor to XXXX XXXX XXXX. 
Date of first delinquency with the original creditor. 
I received immediate response within XXXX hours that it was verified with no method of verification .under 15 usc 1681i this is now pending litigation and I expect this account be removed immediately from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: VA

Complaint narrative:
I am writing to formally demand the immediate removal of inaccurate information currently reflected on my credit report, despite prior notifications indicating that these entries were removed. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are legally obligated to report only accurate and verifiable information. The Federal Trade Commission ( FTC ) has emphasized that credit bureaus are required to ensure 100 % accuracy in their reporting. 

According to recent updates on my credit report dated between XX/XX/year>, and XX/XX/year>, it was confirmed that the following entries were removed : Account : CHILD SUPPORT XXXX VA Inquiries : XXXX XXXX and XXXX Card Services However, I have observed that this information is still being reported on my credit report. This constitutes a clear violation of FCRA provisions, specifically regarding accuracy and the timely removal of closed or disputed accounts. In addition to damaging my credit score and personal financial standing, this repeated inaccuracy subjects your organization to potential legal liabilities under consumer protection laws. 

I demand that you : XXXX. Immediately remove the aforementioned inaccurate entries from my credit report, as previously indicated. 
XXXX. Provide written confirmation of the removal within 15 business days from the date of receipt of this letter. 
3. Conduct an internal investigation to prevent further inaccuracies and report back on measures taken to ensure compliance with federal requirements. 

Should you fail to comply within this period, I will have no alternative but to escalate this matter to the Federal Trade Commission and consider legal actions to enforce my rights under FCRA. Please treat this letter as formal notice of potential legal action if the issue is not promptly resolved. 

I appreciate your immediate attention to this serious matter and await your written confirmation of the corrective actions taken. 

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 non-monetary relief
Consumer complaint received 2024-10-26 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: VA

Complaint narrative:
I am writing to formally demand the immediate removal of inaccurate information currently reflected on my credit report, despite prior notifications indicating that these entries were removed. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are legally obligated to report only accurate and verifiable information. The Federal Trade Commission ( FTC ) has emphasized that credit bureaus are required to ensure 100 % accuracy in their reporting. 

According to recent updates on my credit report dated between XX/XX/year>, and XX/XX/year>, it was confirmed that the following entries were removed : Account : CHILD SUPPORT XXXX VA Inquiries : XXXX XXXX and XXXX Card Services However, I have observed that this information is still being reported on my credit report. This constitutes a clear violation of FCRA provisions, specifically regarding accuracy and the timely removal of closed or disputed accounts. In addition to damaging my credit score and personal financial standing, this repeated inaccuracy subjects your organization to potential legal liabilities under consumer protection laws.

I demand that you : 1. Immediately remove the aforementioned inaccurate entries from my credit report, as previously indicated.

2. Provide written confirmation of the removal within 15 business days from the date of receipt of this letter. 
3. Conduct an internal investigation to prevent further inaccuracies and report back on measures taken to ensure compliance with federal requirements. 

Should you fail to comply within this period, I will have no alternative but to escalate this matter to the Federal Trade Commission and consider legal actions to enforce my rights under FCRA. Please treat this letter as formal notice of potential legal action if the issue is not promptly resolved. 

I appreciate your immediate attention to this serious matter and await your written confirmation of the corrective actions taken. 

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 2024-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I did not give this company written consent to share or report my personal information to the credit bureau. I am filinf this complaint under 15USC1681 B ( A )

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 2024-10-26 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: LA

Complaint narrative:
I did not give this company written consent to share or report my personal information to the credit bureau. I am filinf this complaint under 15USC1681 B ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did not give this company written consent to share or report my personal information to the credit bureau. I am filinf this complaint under 15USC1681 B ( A )

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 2024-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I recently wrote this company because my credit worthiness has been getting damaged by different companies on the same account. They seemed to have sold and re-sold this debt to different debt collectors. They have sent me a statement of a debt with a different company which does not show evidence that I entered into any contractual agreement with them. None of the companies have provided evidence as to why they are reporting this same debt as you can see from the account numbers on the attachments I have included and this is considered Fraud. 
Instead of deleting this debt reporting with the credit agencies, they sent me a letter stating that I owed them this debt under yet another company named Resurgent. In the body of the letter they claimd that they are representing another company named XXXX XXXX XXXX XXXX which I have not heard of any of these companies. All the letter says they are attempting to collect this debt without evidence showing written proof that I signed any contracts with THEM and their license number where they can collect debts in my state which proofs absolutely NOTHING as to how many companies have bought and sold this debt including XXXX who has continued to report this debt while selling it at the same time. 
You will see the discrepancies and the double reportings on my attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions

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 2024-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
XXXX XXXX helped me settle my debts. The account is settled and paid. The collection agency who accepted the settlement sent the account to an attorney office. I provided proof the the settlement to the attorney office but they are now suing me for said paid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
On XX/XX/XXXX I made a deposit of {$2700.00} to my American Express High Yield Savings account. It was showing in my account on XX/XX/XXXX due to it being a mobile check deposit. Ever since that date I have tried countless times to link my external bank account. I have tried every way imagined. I've called Both Amex and XXXX XXXX to see about these issues which all come down to Amex. I have talk to three supervisors and still no resolution since they tell me it has to be through account maintenance team. No one should have to beg to have access to their own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I'm a victim of Identity Theft by my Ex husband. 
Remove Negative Information from my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: MO

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). I discovered discrepancies in the following account : XXXX XXXX ( Account number : XXXX ) Disputed Information : reported balance, date of last activity, closed date, creditor type and last payment. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original. 4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2024-10-26 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: FL

Complaint narrative:
Subject : Request to Update Credit Report Charge-Off, Payment Verification, and Inquiry Removal I am writing to formally dispute inaccurate information in my credit report regarding the charge-off on my XXXX XXXX  and the payment history for my mortgage. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I am entitled to request and receive documentation that substantiates the accuracy of information reported on my credit file. 

XXXX XXXX  Charge-Off : Account Number : XXXX Charged-Off Amount : Paid in Full via Bill of Exchange. 
I am disputing this charge-off and request that you provide me with the original documentation that verifies the validity of this account, including payment history. I have attached evidence of payments made towards this account that may not be reflected in your records. 

Mortgage Account : Account Number : XXXX Current Payment Status : Sent Payoff Furthermore, I request that my payment history for this mortgage account be accurately reflected on my credit report. Consistent and timely payments have been made, and it is essential that this information is correctly displayed. 

Removal of Inquiries : I also request the removal of any inquiries related to non-holding accounts from my credit report. These inquiries are impacting my credit score negatively and should not be included. 

In accordance with my rights under the FCRA, I expect a thorough investigation into these matters, as well as an update to my credit report reflecting accurate information and the removal of the specified inquiries. Please provide confirmation of the receipt of this letter and keep me informed about the progress of my dispute. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attorney in fact for Estate of XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief