vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: MO

Complaint narrative:
I have made my payments on time every month on this credit card. They take their time crediting my account so they can add late fees. The last time they did this they said they never got my payment but I checked with the money order people and they said the money orders were cashed. So they have lied about me not making my payment. Now they are telling me by letter they will mess with my credit rating. I have told them over and over again I will continue to pay off the balance each month as long as they send me the statement. I have no intention of stopping paying on this account. I have had nothing but problems from these people.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Indie Technology DBA Found
State: MA

Complaint narrative:
I disputed transactions made to my business checking account on XX/XX/XXXX, XXXX, and XXXX. Additionally, those same disputes were submitted to my personal checking account ( a separate bank ), which investigated them all and found them fraudulent. I submitted evidence to XXXX ( XXXX XXXX XXXX XXXX XXXX  issues debit cards ). Approximately XXXX fraudulent charges totaling over {$3000.00} USD from non-existent companies in XXXX, XXXX. I provided proof that these companies did not exist. My disputes were all denied with no substantive explanation. The dispute decisions were emailed and read, " Weve reviewed your dispute for XXXX XXXX XXXX  ( XXXX ) on XXXX ( date ), 2024. Unfortunately, based on the information provided, it doesnt appear that an error occurred. For this reason, we are unable to move forward with your dispute. Were sorry to not have better news for you. '' On XX/XX/year>, I requested all the documentation used to decide to deny my disputes. Initially, all of my requests were ignored. However, on XX/XX/XXXX, an employee, " XXXX, '' insisted they would prepare a dispute summary for me with all the information I requested. On XX/XX/XXXX, I followed up with my request after not receiving that information. I was assured by " XXXX '' that I would receive the information right away. On XX/XX/XXXX, I followed up with XXXX in the Risk department because I still hadn't received the information. On XX/XX/XXXX, XXXX said they would prepare the dispute summary with the requested documentation. On XX/XX/XXXX, I followed up again because I had not received anything from the risk department or the bank. On XX/XX/XXXX, XXXX responded, " XXXX XXXX, I apologize for the delay. We are still preparing a dispute summary for you regarding your claim. Once it's complete, we will follow up with you here. '' Today is the XXXX of XXXX, and I have still not received this information. 

If the bank can not provide me with the information they used to make the decision, they should provide provisional credits within ten business days of the dispute. They failed to do so and failed to provide me with any documents, correspondences, or information supporting their decision to deny each dispute ( some within hours ). I would like sufficient evidence that these disputes were investigated, as well as documentation and any other investigation-related materials that they used to make these decisions. It has been 26 days, and I've not received anything I requested. After performing some research, it appears that XXXX XXXX  consistently denies consumers ' disputes and does not provide any substantive information or evidence supporting those decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 XXXXXX/XX/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 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I was told by Lexington Law that they could help fix my credit i was charged monthly for services in which they stated they were constantly working on my credit but never fixed anything and continued taking the monthly payments until I removed my credit card and bank account information. I understand that there is a class.action law suit against this company and I am more than certain that I am a victim of their unlawful practices. I was a client during XXXX through XXXX and I have moved and no longer reside where I did back then and would like to have my address corrected if I can. Hopefully someone will contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX 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 XXXXXXXX : # XXXX, has violated my rights I looked at my Equifax credit report on XX/XX/year> and noticed some things are XXXX and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Opened On : XX/XX/XXXX Balance : {$500.00} Issue : Incorrectly reported as a charged-off account with a balance due. 
Request : Provide proof of the charge-off, update the balance to {$0.00}, or delete the negative payment status. 
XXXX XXXX Credit Card Account Number : XXXX Opened On : XX/XX/XXXX Balance : {$710.00} Issue : Incorrectly reported as a charged-off account with a balance due. 
Request : Provide documentation supporting the charge-off, update the balance to {$0.00}, or delete the negative information. 
XXXX XXXX XXXX XXXX Credit Card Account Number : XXXX Opened On : XX/XX/XXXX Balance : {$0.00} Issue : Disputed missed and late payments. 
Request : Please provide statements or records of all payments made and missed since the account was opened. If documentation can not be provided, I request deletion of the negative information.

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 2024-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: M&T BANK CORPORATION

Complaint narrative:
On or around the XXXX of XXXX I purchased two XXXX XXXX XXXX from the XXXX  for seats in the new stadium. I was informed after making a 20 % down payment that my monthly payments would be directly debited from my account. I have had seasons tickets with the XXXX  for over 20 years. The XXXX licenses cost {$10000.00} each. 
I gave them my credit card and they had me sign a Loan Agreement with M & T Bank for the balance of the funds. 
I next received a call from M & T 's customer service department looking for the details of my account again, after I supplied them on the purchase contract. I provided the necessary information and thought I had done everything I needed to do, subsequently I received a collection call from M & T indicating I was in arrears, I once again provided my bank account details and once again thought this was finished, since that time I have received numerous collection calls, one a week and during this journey received the answer for the calls was because M & T could not access my bank account. I am a XXXX resident, but gave them a USD account at my XXXX XXXX  ( XXXX ) consistently. M & T 's inability to direct debit became my problem, so in discussions with M & T collection personnel I forwarded four checks in payment of my loan whilst they figured out what they have to do to rectify the problem on their end. Needless to say the calls kept coming after I posted the checks, we did have a Postal Disruption in XXXX, these calls are flat out harassment, what can I do to insure M & T makes a direct debit. I have discussed alternatives, but M & T will not cover the wire costs if I wire or use XXXX XXXX, note the payments are {$210.00} a month, a wire costs {$45.00}. 
I am looking for M & T to figure out a way to direct debit and live up to the terms of the original contract. Why was I assured by both The Bills and M & T that this was an acceptable means of repaying my loan at time of origination and subsequently?

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 monetary relief
Consumer complaint received 2024-12-29 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: NY

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>

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 2024-12-29 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barclays credit card XXXX sent me to collections and dropped my XXXX XXXX over XXXX points for late pay of the annual fee. However, I never received any paper or email bills from the company stating I had a balance due. I only received a collection notice. I have had that account for years and never been past due or late. The company refused to make any attempt to resolve or assist. I contacted XXXX for a dispute, they only documented costumer disagrees. XXXX late payment of XXXX dollars, when I had no idea I owed that XXXX XXXX should not drop my credit over XXXX point! There should be some resolution process for this.

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 2024-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Subject : Dispute of Alleged Debt and Request for Debt Validation To Whom It May Concern, I am writing to formally dispute the validity of the debt you claim I owe. Under the protections provided by federal consumer laws, I am requesting debt validation and disputing any and all alleged debts associated with my name. This letter serves as notice of my dispute and as a demand for strict compliance with the law.

Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), you have failed to provide the required validation information to substantiate the alleged debt. Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to properly dispute the account as required by law.

Your actions, including the furnishing of this alleged debt to consumer reporting agencies without providing the proper disclosures required by law, constitute violations of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1661-5 2 ( 7 ) ( A ). These actions amount to false, misleading, and deceptive practices, which infringe upon my consumer rights. 

In accordance with my rights under federal law, I am disputing the validity of this alleged debt. I also demand the following : 1. Debt Validation : Provide proof of the alleged debt, including a copy of the original agreement between myself and the original creditor.

2. Purchase Agreement : Furnish the purchase agreement or other documentation that demonstrates your authority to collect on this alleged debt.

3. Licensing and Bonding : Provide proof that your company is licensed and bonded to collect debts in my state. 

Furthermore, I hereby revoke any and all authorization for your company to contact me via phone calls, text messages, or emails, effective immediately. All future communication regarding this matter must be conducted through written correspondence sent to my mailing address listed above. 

Failure to comply with these requests or continued violations of my consumer rights will leave me with no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please provide the requested information within 30 days of receiving this letter. If you fail to do so, I will consider this matter resolved, and any further collection activity will be deemed unlawful. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXXXXXX XXXX XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-29 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-12-29 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: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
Upon reviewing my whole credit report I noticed that FNB has pulled two heart inquiries on XX/XX/year> and XX/XX/year>. These two poles were two days apart and I did not authorize FNB to submit hard inquiries on my report. The fnb inquiries are fraudulent and do not belong to me. I have not received anything from Fnb nor have i inquired.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My information was involved in several data breaches and I have reached out to the reporting agencies to have them removed the information and proposed debts that I deemed as opened fraudulently. 

XXXX XXXX reported and says opened XX/XX/XXXX - XXXX $ XX/XX/XXXX reported and says opened XXXX XXXX XXXX - XXXX XXXX XXXX reported and says opened XX/XX/XXXX - chargeoff

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