vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 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: IL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX THIS ACCOUNT DOES NOT BELONG TO ME. I WOULD LIKE FOR THIS TO BE REMOVED FROM 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 2024-06-03 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-06-03 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Legal Department Equifax XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Legal Department, Subject : Request for Restitution for Inaccurate Credit Reporting and Failure to Conduct Proper Investigation I am writing to formally request restitution for the distress and financial impact caused by the inaccurate reporting of my credit information and the inadequate handling of my dispute by Equifax. This is in reference to Complaint # XXXX submitted to the CFPB on XX/XX/XXXX, concerning incorrect information on my credit report. 

Background In my complaint, I indicated that a charged-off debt, which has been on my report for XXXX years, is still being reported despite the statute of limitations for debt in New York being three years. Equifaxs response claimed that they could not locate my credit file for several stated reasons, none of which apply to my situation as I do have an active credit file and have been using my credit. 

Equifaxs investigation took longer than XXXX days to resolve, which is a violation of the Fair Credit Reporting Act ( FCRA ). The company responded with a final resolution on XX/XX/XXXX, well beyond the XXXX limit set by the FCRA. 

Legal Precedents Several key case laws underscore the importance of proper investigation and accurate reporting by credit reporting agencies and furnishers : XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) : The court held that credit reporting agencies must conduct a reasonable investigation when a consumer disputes information. This case highlights the responsibility of agencies to ensure accuracy and thorough investigation. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). 
XXXX. XXXX XXXX XXXX, XXXX ( XXXX ) : This case underscores the obligation of furnishers to investigate disputes and correct inaccuracies, highlighting the duties of information furnishers under the FCRA. ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). 
XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) : The ruling reinforces the necessity for credit reporting agencies to conduct reasonable investigations into disputes to prevent inaccurate information from remaining on a credit report. ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( S.D.N.Y. XXXX ) ). 

Request for Restitution In light of these precedents and the negative impact the inaccurate reporting has had on my financial situation and emotional well-being, I am seeking restitution in the amount of {$20000.00}. This amount is based on : Actual Damages : {$3000.00} for financial impacts such as increased interest rates or denied applications. 
XXXX XXXX : {$7000.00} for the distress caused by the inaccuracy. 
Punitive Damages : {$10000.00} to punish and prevent future similar actions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2024, I mailed a dispute letter to Experian requesting an investigation into several inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

To date, I have not received any response from Experian regarding the results of this investigation. 

According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any item in their file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Experian has violated my consumer rights by failing to conduct a reasonable investigation upon receiving my dispute, as required by the FCRA. 

I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) to ensure that Experian fulfills its legal obligations and provides the necessary investigation results promptly.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-03 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:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unauthorized inquiries appear 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 explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Dear CFPB I am writing to file a formal complaint against CAPITALONE for repeatedly sharing inaccurate information with credit agencies, despite numerous attempts on my part to rectify this issue. Pursuant to 15 USC 6801-6805 and the Privacy Act of 1974, I have explicitly exercised my right to opt out of the sharing of my personal and confidential information with credit agencies. 

Despite my clear instructions, CAPTIALONE has continued to furnish incorrect information to credit agencies, resulting in significant inconvenience, financial losses, and wasted time on my part. As a consumer, I have the right to ensure the accuracy of information contained within my credit report, as outlined in 15 USC 1681. 

I have made multiple efforts to address this matter directly with CAPTIALONE, to no avail. Therefore, I am now seeking intervention from the Consumer Financial Protection Bureau to resolve this issue effectively. I request that CAPITAL ONE be prohibited from reporting any further information and to delete all currently furnished information to credit agencies without my explicit written consent. 

I have enclosed copies of all relevant correspondence and documentation supporting my complaint for your review and investigation. I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights as a federally protected consumer. 

Thank you for your assistance in this matter.

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

Complaint narrative:
I am writing to you regarding discrepancies on my credit report that I believe are the result of unauthorized use of my social security number and card. Upon reviewing my credit report, I have identified several inquiries and accounts that I did not authorize, nor do they pertain to any activity that I have engaged in. I am unaware of any such activity associated with my name. 

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. 

Please consider this letter as my third attempt to resolve this matter. I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Starting last year Comenity Bank has continued to call me over 20 times a day leaving voicemails stating I would be served if I did not respond back to them within the day. Im called 7 days a week by these people from XXXX and on federal holidays. I block the number they call from and they spoof calling back with a new number. I understand they believe I owe a debt but I want them to stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into several inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 
To facilitate the verification of my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
However, I received a response from TransUnion dated XX/XX/year>, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any item in their credit bureau file, the bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the FCRA. 
I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) to ensure that TransUnion fulfills its legal obligations and conducts the necessary investigation promptly.

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 2024-06-03 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: OH

Complaint narrative:
I used my Venmo card with a balance on it to purchase groceries from XXXX. When my XXXX shopper was trying to check out, the payment was denied. Due to this, XXXX cancelled the order and did not charge me. However, Venmo still pulled the money from my balance. I reached out to Venmo right away to try and show that this order was cancelled. They told me to talk to the merchant. I reached out to XXXX and they confirmed the order was cancelled, there were no charges on their end due to the order not being completed. I provided this information to Venmo and they stated it would take XXXX buisness days to resolved but a provisional credit would be given in the meantime. No provisional credit was given and well after the 50 business day time frame, I had to reach back out and talk to over 10 different representatives and still get no help. Venmo then stated I cancelled my case, which I did not do. I get on my account and now it says they denied it. It has been over two months of them holding {$77.00} for an order I never received. I have all the messages between XXXX confirming the order was cancelled as well as all the empty promises that Venmo had given. Issue is still not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
I received an mail from ECSI about a student balance due to XXXX. I don't remember having any balance due since I graduated in XX/XX/year>. The last time I completed a course was the summer of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Barclay 's bank has a {$6500.00} fraud charge on my card. 
After I made my last payment on the credit card for XXXX, Barclay 's decided to add 2 new charges for {$1000.00} each- totaling {$2000.00}. Barclays said this is from the same company, XXXX, that stole the other {$6500.00}. These are double charges. Double charges they gave back to me after complaining for 3 months!!! Why did they do this? 
Even the company XXXX emailed Barclays Criminal Subpoena email address and said they took {$6500.00} not {$8500.00}. They have also charged me interest. 

Mastercard  Corporate Arbitration informed me I am 100 % protected and am not responsible for the fraud charges, so when I do not pay for any of this, Barclays can not ruin my perfect credit score.

But Barclay 's should be in very big trouble for continuing to double charge me fraud charges!

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

Complaint narrative:
Unauthorized inquiries appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Account XXXX XXXX {$560.00} I am writing to file a formal complaint against Midland Funding LLC for violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Midland Funding has erroneously furnished information about an account that does not belong to me on my credit reports. 

Furnishing Inaccurate Information : Midland Funding has reported an account on my credit reports that does not belong to me. This act violates the FDCPA and FCRA as it results in the dissemination of false information about my credit history. 

Debt Validation Sent to Wrong Address : Midland Funding claims to have sent a debt validation notice to an address that they had on file, which I never lived at. This failure to properly validate the debt and send the necessary documentation to my correct address is a violation of the FDCPA. 

Incorrect Address on File : A representative from Midland Funding provided me with an address they had on file for me, which is incorrect. I have never resided at that address. This raises significant concerns about the integrity of their record-keeping and the possibility of identity theft or misuse of my personal information. 

The presence of this account on my credit reports has caused undue stress and potential harm to my credit standing. I am also deeply concerned about the security of my personal information. Midland Funding 's actions have made me consider going to the incorrect address to investigate who might be using my information, for which Midland Funding could be held liable for any resulting issues.

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

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to file a formal complaint against LVNV, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
LVNV, with contact information at C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX, Phone number, ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations. 

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights. 
In addition, I believe that LVNV has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures. 
I kindly request that the CFPB investigate these violations and take appropriate action against LVNV to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold LVNV accountable for their unlawful conduct. 
Enclosed with this letter are copies of relevant documents supporting my complaint. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the laws designed to protect consumers.

Company response to consumer: Closed with explanation