vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: NC

Complaint narrative:
Affirm INC is unlawfully reporting derogatory information on my credit report without my consent or proper authorization. Specifically, I have not signed any wet signature application or contract with Affirm INC, nor have I provided them with a valid copy of my drivers license or any other form of identification that would legally allow them to report this information. Both Affirm INC and XXXX have failed to provide a copy of any wet signature contract or application demonstrating my consent, raising serious concerns about the legitimacy of their actions. 
Additionally, Affirm INC has listed over 10 closed accounts on my credit report, which is unauthorized, frivolous and inaccurate. This matter requires further investigation. I have not given this agency the authority to access or report any information related to me under the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has negatively impacted my credit standing. I respectfully request that the CFPB investigate this matter and ensure that the derogatory and frivolous information is removed from my credit report immediately. Thank you for your attention to this serious 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 2024-09-14 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: Rocket Mortgage, LLC

Complaint narrative:
On XX/XX/year> I checked XXXX XXXX and saw that there was a hard inquiry on my XXXX report. 

A dispute was filed on XX/XX/year> with XXXX. 

XXXX XX/XX/year> I was informed that the inquiry was valid ; However, I have not applied for any new loans, credit cards, etc. 

The company listed is : XXXX Rocket Mortgage LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: GA

Complaint narrative:
Re : Dispute of XXXX ( NATIONAL RECOVERY AGENCY Request for Removal of Debt Collection Account Due to Fair Credit Reporting Act ( FCRA ) Violations Dear Sir or Madam, I am writing to formally dispute the debt collection account listed on my credit report under account number XXXX. I believe this debt account has been inaccurately reported by the collection agency, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that you remove this account from my credit report due to these violations. 
FDCPA and FCRA Violations According to 15 U.S.C. 1692g of the FDCPA, I am entitled to dispute the validity of any debt within 30 days of receiving the initial written notice from the debt collector. Under this same law, the debt collector is required to cease collection activities until the debt is verified. I was not provided with the appropriate notice of my right to dispute the debt within the required timeframe, nor was I given the opportunity to validate the debt before it was reported to the credit bureaus.

Additionally, under the FCRA, 15 U.S.C. 1681s-2 ( a ), furnishers of information ( such as debt collectors ) are required to report accurate information to the credit reporting agencies. Reporting a debt without providing me the opportunity to dispute or validate the debt is a violation of this law, as well as my consumer rights. 
Request for Immediate Action Due to the violation of my rights under both the FDCPA and FCRA, I am requesting that the debt collection account be immediately removed from my credit report. I also request written confirmation that the account has been deleted from my credit file. 
Please investigate this matter promptly as required by law and provide me with a copy of the results of your investigation. If the debt is not verified or if the information reported is inaccurate, I expect the account to be deleted from my credit report. 
Please consider this letter as a formal complaint under the FCRA and FDCPA. I expect a response within 30 days as required by law. Suppose this matter is not resolved in a timely manner. In that case, I will have no choice but to escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering further legal action. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year> Key Points Referenced : 15 U.S.C. 1692g ( FDCPA ) : Notice of debt and right to dispute.

15 U.S.C. 1681s-2 ( a ) ( FCRA ) : Furnishing accurate information and correcting errors.

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 2024-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Since August 30, 2024 I have been attempting to transfer my funds in my account to an external account and close my account. I've done all the necessary verifications and connected my accounts online. I am under the transfer limit. I have called and spoken to supervisors multiple times, who assure me that each time they have unblocked the transaction, confirmed my identity and in 1-3 days the transfer should be through. Each and every time, my transfer is being blocked for no reason that they can explain other than I need to identify myself for security reasons. In the meanwhile they are holding onto my money in limbo and not earning any interest. Money left my account on XX/XX/XXXX and has held by the bank until XX/XX/XXXX because my transfer was cancelled by the bank. The closest branch to me is XXXX miles away. They can not close my account because it requires a XXXX balance. I can not get to XXXX  balance because they are unable to transfer my funds. I should have easy access to my money if I meet all the criteria they are asking for - which I am. I should be given the interest that is due to me ( the rate at which the external bank was to give ) because they held my money for 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
For about a month, I have been getting repeated calls from PortfolioRecovery in an attempt to collect a date. 

Call Log as follows : XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX Answered, I asked them to stop calling, I was told that their business practices allow them to keep calling to which I replied that Colorado state law supersedes any and all business practices that might be allowed in other states or otherwise. I blocked this specific number XXXX XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: OH

Complaint narrative:
Im not liable for this debt Creditor : XXXX XXXX XXXX XXXX I don't have a contract with this agency.They didn't provide me with original contract as requested nor my signature The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

This account is my Ex wife XXXX XXXX XXXX ) account.I looked at my Equifax credit report on XX/XX/year> 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any 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 ( i ) promptly delete that item of information from the file of the consumer as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer. 

and according to 15 USC 1681s-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 that the information is inaccurate.

This account shouldn't be on my credit report. They still haven't provided my signature where I signed original paper work they just changed the account to volunteery repossessed & 1 late payment of XXXX where there is no proof of me paying anything late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX XXXX through TD Bank has charged a {$40.00} late fee when the payment was not late. The account previously had a {$29.00} late fee assessed when their system did not take out an ACH payment. Hold times to speak with their customer service are multiple hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-14 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:
Equifax is reporting an account that does not belong to me on my credit report. Equifax need to follow the fair credit reporting act to report all accurate information this account I am unaware of and does not belong to me. I am requesting an immediate removal as it has affected my credit score that has went down XXXX points. I expect Equifax to remove this account and restore my credit. This is unacceptable and should have not been on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
ON XX/XX/year>XXXX  I SENT LVNV FUNDING LLC A CEASE AND DESIST THIS COMPANY IS COMMUNICATING WITH 3RD PARTIES ABOUT MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION. I HAVE NOTIFIED THIS COMPANY THAT THIS INFORMATION IS FRAUDULENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Elevate Recoveries, LLC
State: OH

Complaint narrative:
Elevate Recoveries LLC is yet another collections agency contacting me in regards to a debt not verified or owed to me. They were sold my contact information illegally and keep calling me from various spam numbers harassing me. Under the FRCA, they must present a verifiable signature that such an account and balance is owed. If not, they much remove the item reported from all credit bureaus. Elevate Recoveries LLC has only started to report illegally to the credit bureaus in XX/XX/XXXXXXXX  for the amount of {$1200.00}. Which was also reported to CFPB in XXXX  under a different entity for a non-existent medical bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Carrington is making me pay for their attorneys fees. They make plently of money to pay their own attorneys fees. Why do I have to pay their attorneys fees? Carrington has millions of dollars. Why do the home owners have to pay for their attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: RI

Complaint narrative:
My wallet was stolen with my ID and Social Security Card. Multiple fraudulent accounts have been opened. When I first received a copy of my credit report in XX/XX/year>, I found the accounts to be errors. The company XXXX XXXX  has two different accounts ( XXXX & XXXX ) with addresses of which I have never used and or never resided. I have been asking for months for a signed contract with my signature and they have failed to do so. Yet, they have sent me letters that have a different account number ( XXXX ) on it with the same balance as ( XXXX ). On the bill that was sent to me with account ending in XXXX has an address that I have never resided at. Account ending in XXXX has two bills with both a XXXX balance, one with an address that I never lived at and a po box that I have never owned. Also, I received a letter from XXXX XXXX stating that " After completing our investigation, our records indicate we have not placed the inquiry referenced in your dispute on your credit file that is viewable by us. You may be seeing a promotional offer or an account review inquiry that is only viewable to you and not viewable by other creditors. '' how can I have an account with no inquiry from them in their records. I have attached the letter with the above statement and all documents that has sent me. And, also attached is my original police report that has the account number that was first on credit report. New Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate. and false information consists of a a person XXXX XXXX XXXX XXXX opened XXXX XXXX under account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX XXXX account number ( private ), a credit card opened at XXXX XXXX XXXX XXXXXXXX account number ( private ), an inquiry from XXXX XXXX, another inquiry from XXXX  to XXXX i demand all fraudulent accounts be removed immediately from all 3 of my consumer credit reports pursuant to my rights within the FCRA FDCA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items. I do not recoanize the atorementioned accounts. collections. or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the atorementioned accounts. collections. and hard inquiries are the result of identitv theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-14 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: PA

Complaint narrative:
ON XX/XX/year>XXXX  I XXXX XXXXXXXX XXXX XXXX XXXX A CEASE & DESIST ABOUT REPORTING FRAUDULENT INFORMATION ON MY CONSUMER 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 2024-09-14 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: NY

Complaint narrative:
The Following inquiries were made on my account without my knowledge. I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are not accurate. The List of Hard Inquiries below has hurt & violates my credit score & According to XXXX XXXX XXXX, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
On XX/XX/24 a fake process server came to my home. My husband answered the door. The process server asked if I lived there and then gave my husband the fake summons and left. 

I noticed the summons was fake because there is no index number from a court on it, and it is only stamped received with a store-bought looking stamp. At the bottom of the summons, it says this communication is from a debt collector, and this attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I have been receiving phone calls they have been calling me multiple times of days during the week trying to collect debt. I have notified them over phone and In writing that I am not paying any debt until I receive my letter of verification of debt. Stating that I owe that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
ON XX/XX/2024 I SENT CREDIT COLLECTION SERVICE A CEASE AND DESIST THIS COMPANY IS REPORTING FRAUDULENT INFORMATION ON MY CONSUMER REPORT TO 3RD PARTIES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to 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