vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This account was fraudulently opened without my knowledge and permission by an ex spouse of mine. XXXX XXXX. I have tried to dispute numerous times with no luck. Please this has hurt my score immensely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I had an Affirm Savings account in XXXX, which was eventually closed after a period of inactivity. When I tried to get my 1099-INT form for XXXX, I was unable to access my account and pull my tax statement. 

I called Affirm 's customer service line on Wed, XXXX XXXX, XXXX at XXXX Eastern, and was informed that they could not provide me my tax form because my account was closed. I informed them that I need the form in order to properly file my taxes, but the account rep could only respond that they could not send me my information. 

I have not yet received a response from Affirm since that call, and am filing a complaint because I want my 1099-INT form for XXXX related to my Affirm Savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It's my understanding that FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed inaccuracies in some of the listed accounts, and it's causing me some unease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I sent 2 dispute letters to equifax due to them reporting incorrect accounts on my credit report. I asked them to investigate and if they found these accounts verified I requested proof. They never investigated and never responded. Under the Fair Credit Reporting Act they are required to investigate and provide me the requested information within 30 days or delete the inaccurate account, this company did nothing which is a violation of my rights under The Fair Credit Reporting Act. I am including the letters both the first letter and a second letter I sent them. They have had over 90 days and have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: FL

Complaint narrative:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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 2024-03-06 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NV

Complaint narrative:
I received {$100.00} gift card, when I opened the card had some scratched on four numbers, like it was intentional damaged. I tried to use the card and had error. I called the company Vanilla Visa Gift CardXXXX. They refused to help, they said nothing could be done, I asked to review the last transaction. or why new card had scratches. 
The packaged was closed and sealed. This was used XXXX balance card sold for {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LEXISNEXIS
State: IL

Complaint narrative:
To : XXXX XXXX Notice. 
To all these Presents come, Greetings : In accordance with provisions set forth at XXXX XXXX XXXX XXXXXXXX, the negotiation indentified as all sub- accounts to Account XXXX : XXXX  : held with said custodian cause on the following grounds : 1. consent was obtained through mistake, fraud, undue influence, duress and economic menace by any such custodian ; 2. the consideration for the obligation given fails, and ; 3. the contract is prejudicial to public law and public policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2024-03-06 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
Bank froze both my bank accounts for XXXX week in early XX/XX/year> caused payment to my landlord to bound. Bank failed to notify me of the accounts being frozen and found out only after payment to landlord bounced this caused a huge headache for me for sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: CA

Complaint narrative:
This account was charged off on the following date XX/XX/2023. Since then the account has repeatly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights.

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 2024-03-06 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: MS

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: NY

Complaint narrative:
I realized I was victim of identity theft and a few credit cards were opened in my name from XXXX, in layes of XXXX I paid them due to insisting calls and threatening actions that XXXX said they they were going to take because the accounts were showing on my name. They didnt help me on anything but collecting me and I was misinformed at that time to I paid it off, however they said that after the accounts were paid they could work to get them removed after showing a XXXX balance. 

At the beggining of this year, following my attorney and police advise I contacted the XXXX bureaus and the creditor to ask for the removal of the items due to fraud, XXXX and XXXX removed them items and inquiries found as fraudulent, however EQUIFAX does not want to remove them. 
On XX/XX/XXXX I calle and spoke to a male representative from the fraud department to confirm that have received my documents ( FTC Report, SSN, DL and bank Statement ) and the agent said that XXXX had reached out to them 2 days ago and XXXX had stated that the accounts were fraud and that they were only missing my cover letter and ID to verify its my and remove the item according to the company policy, however EQUIFAX still refuses to remove the XXXX fraudulent accounts from my report after they received what they asked me for ( which I assume is to keep me on the Sub-Prime credit bucket and make more money with my information ). 

Under Section 623 of the Fair Credit Reporting Act ( FCRA ), aiming to correct errors and ensure the accuracy of the credit report, responsibilities of date furnishers of information y o consumer to consumer reporting agencies, EQUIFAX is not purposely promoting fairness and accuracy of information and, I have requested those XXXX accounts to be deleted from my report through several means and, even the other XXXX bureaus acknowledged the situation and removed everything but EQUIFAX refuses to do so. I can see that their job is to make money with inaccurate information and I will take legal actions for this crime with my issue is not resolved within the remaining days that they have on the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.

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 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections
State: MA

Complaint narrative:
XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Dispute of Debt and Request for Investigation into Collection Agency Practices Dear CFPB, I am writing to formally dispute a debt collection attempt by [ BONNEVILLE COLLECTIONS ] regarding an alleged debt. I am requesting your assistance in investigating their practices, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.

Dispute of Debt : I am disputing any and all debts claimed by [ BONNEVILLE COLLECTIONS ]. I have not received any documentation or validation information from them to substantiate this alleged debt. This is in violation of 12 CFR 1006.34 ( b ) ( 5 ), which requires debt collectors to provide validation information within five days upon initial communication.

Revocation of Communication : Furthermore, I am revoking all rights of [ BONNEVILLE COLLECTIONS ] to communicate with me through any means, including email, text messages, or phone calls. All future communication must be sent through certified mail addressed solely to my attorney. This is in accordance with my rights under the FDCPA.

Additional Requests : I request debt validation from [ BONNEVILLE COLLECTIONS ], as mandated by 12 CFR 1006.34 ( b ) ( 5 ).

I request a copy of the purchase agreement between [ BONNEVILLE COLLECTIONS ] and the original creditor.

I request proof that [ BONNEVILLE COLLECTIONS ] is licensed and bonded to operate in my state.

Alleged Violations of Consumer Rights : [ BONNEVILLE COLLECTIONS ] has not provided me with an opportunity to dispute the alleged debt, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

[ BONNEVILLE COLLECTIONS ] is using false, misleading, misrepresentative, and deceptive means to collect a debt, in violation of the FDCPA.

[ BONNEVILLE COLLECTIONS ] has furnished the alleged debt to credit reporting agencies without providing any disclosures required by law, in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I urge the CFPB to investigate these practices by [ BONNEVILLE COLLECTIONS ] and take appropriate action to ensure they comply with the FDCPA and other consumer protection laws. I request to be kept informed of the investigation 's progress and outcome. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
OnXX/XX/2023, I received yet another harassing letter from Moehla stating that my account is past due when they have XXXX unapplied payments sitting in their account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I sent XXXX dispute letters to Trans Union due to them reporting incorrect accounts on my credit report. I asked them to investigate and if they found these accounts verified I requested proof. They never investigated and never responded. Under the Fair Credit Reporting Act they are required to investigate and provide me the requested information within 30 days or delete the inaccurate account, this company did nothing which is a violation of my rights under The Fair Credit Reporting Act. I am including the letters both the first letter and a second letter I sent them. They have had over 90 days and have done nothing.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report, and I noticed I have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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 explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX MI XXXX XXXX XX/XX/2024 Caine & Weiner XXXX Company Inc. Collection Agency XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX RE : Debt Dispute and Fair Credit Reporting Act ( FCRA ) Violations Account # XXXX Dear Caine & Weiner XXXX This letter serves two purposes : Dispute of Debt : I am writing to formally dispute any and all debts that you are attempting to collect from me. I do not recognize any debts owed to your agency. 

Fair Credit Reporting Act ( FCRA ) Violations : I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) alleging that your collection practices violate the FCRA in the following ways : 12 CFR 1006.34 ( b ) ( 5 ) : You have not provided me with the required validation information regarding the debt, including the name of the original creditor, the date of the debt, and the amount owed.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given a reasonable opportunity to dispute the accuracy of the debt before it was reported to credit bureaus. I request a proper validation notice allowing me to contest the debt.

12 CFR 1006.34 ( d ) & 15 USC 1681-s-2 ( 7 ) ( A ) : If you have reported this debt to credit bureaus, you have done so without providing the necessary disclosures required by law, including information about the validation process and my rights to dispute the information.

Additional Requests : In accordance with the FCRA, I also request the following : Debt Validation : Please provide me with a written validation of the debt, including the original creditor 's name, account number, date of delinquency, and a copy of the original purchase agreement between the creditor and Caine and Weiner.

Proof of Licensing and Bonding : Please furnish documentation proving you are a licensed and bonded debt collector in the state of Michigan.

Communication Revocation : Furthermore, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am revoking all rights for Caine & Weiner to communicate with me via email, text message, or phone call. Please restrict all future communication to written letters sent to the address above.

I expect a prompt response to this letter, including the requested validation documents and confirmation of my communication preference. If I do not receive a satisfactory response within 30 days, I will be taking further legal action. 

CFPB Complaint : I have also filed a complaint with the CFPB regarding the violations outlined above. You can expect to be contacted by them shortly. 


Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: CA

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX  XXXX Balance Owed : {$20000.00}

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