vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: TX

Complaint narrative:
We recently opened an account with Relay and literally JUST started using the accounts to test out the accounts before completely transferring all our funds over, which is apparently the wiser choice since depositing our VERY FIRST mobile check deposit into our accounts was put on a hold or available funds would not be available until TODAY! Once receiving the alert the funds were deposited, logged into our account and they are FROZEN!! Called for information, emailed for information, requested an immediate call back, and nothing! When speaking with someone upon calling the customer service number no one knows anything and can give us no information other than " XXXX '' is the one that froze the accounts and deactivated our cards to the account and " they '' or " that department '' is and are the only ones that can UNFREEZE our accounts. 

This has been a complete surprise for us ESPECIALLY since the only emails about the funds from the check have all been answered promptly and with the " proof '' or whatever was requested from both XXXX from Relay Financials Customer Operations Team ( Compliance Specialist Relay ) and XXXX ( Account Protection Specialist ). 

AND upon sending the items or emails in response, AS REQUESTED, there was never an email back saying the information was received or not received by either individual, directly and therefore one would ASSUME that the no news is good news or that all is well CONCERNING THE QUESTIONS ASKED OR INFORMATION REQUESTED. 

The last email from XXXX ( Account Protection Specialist ) said the information would have to be received by the XXXX to be sure the funds would be credited and the said mobile check deposit would then be approved and cashed into the account. Please see the attached communications between myself and these named individuals showing the response on both in a very TIMELY MANNER and yet here we are with FROZEN ACCOUNTS AND OUR FUNDS STILL UNAVAILABLE TO US OR OUR BUSINESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I do not owe Progressive Insurance anything, they cancelled my insurance for non payment now trying to charge me for insurance not provided!! I am not paying this, Cease and Desist!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
I am filing this complaint against several banking reporting agencies for consistently reporting inaccurate and misleading information about me, which has severely hindered my ability to open bank accounts and conduct business with financial institutions. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), these agencies are required to ensure the maximum possible accuracy of the information they report. Despite my previous disputes with these agencies, where I provided detailed explanations and evidence of the inaccuracies, they have failed to address or correct the errors. Their refusal to investigate or rectify these issues demonstrates willful noncompliance with FCRA provisions, including 15 U.S.C. 1681i, which mandates a reasonable reinvestigation of disputed items. This negligence and disregard for my rights have caused significant harm to my financial opportunities and reputation. If this matter is not resolved promptly, I will have no choice but to pursue legal action to protect my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: PA

Complaint narrative:
I am submitting this complaint to report that my personal information was compromised in the 2017 Equifax data breach, where sensitive data, including Social Security numbers, birth dates, and addresses, was exposed. As a result, I believe I have become a victim of identity theft. 
A fraudulent account, [ XXXX XXXX XXXX  ], has appeared on my credit report. This account does not belong to me and is negatively affecting my credit. I have attempted to dispute this account with both the creditor and the credit bureaus, but it remains unresolved. 
I am requesting your assistance in investigating this matter and ensuring this fraudulent account is removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: FL

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

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00}

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
Consumer complaint received 2024-12-31 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: NC

Complaint narrative:
i recently reviewed a copy of my credit report and 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 2024-12-31 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:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT/NEVER FILED Account Amount {$58000.00}

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
Consumer complaint received 2024-12-31 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I am challenging the accuracy of this account as listed on my credit report. The reported balance and charge-off status are incorrect because the account was fully resolved in the past. This inaccurate information is harming my creditworthiness, and I request an immediate investigation. Please update my credit report to remove this error and inform me once the correction is completed. It is essential that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Compliance Department XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Reporting and Request for Immediate Action Account # XXXX Dear Compliance Department, I am writing to formally dispute the reporting and handling of the referenced account, which appears to violate several provisions of the law. This account was charged off and, as such, no further charges or reporting should occur. 
Violations of Federal Law 1. 15 U.S. Code 1692 ( c ) : I have not granted XXXX XXXX XXXX or any associated entities permission to communicate with me via my credit report. Such reporting constitutes unauthorized communication. 
2. 15 U.S. Code 1692 ( c ) : I did not provide consent for XXXX XXXX XXXX to report or share my information with Experian or any other third party. Without my explicit consent, this reporting is unlawful. 
3. 15 U.S. Code 1692 ( d ) ( 2 ) : The continued reporting of this account is causing undue harm to my reputation, resulting in credit denials, housing application rejections, and financial stress. Such conduct constitutes harassment. 
4. 15 U.S. Code 1601 : The continued reporting of this charged-off account violates federal guidelines and my consumer rights. 
Additional Context This account was charged off with a balance of {$1400.00} and was transferred to XXXX XXXX XXXX, as outlined in your correspondence. Despite the charge-off, your entity continues to report and potentially accrue charges on this account, which is unlawful and against established practices for charged-off debts. 
Request for IRS Form 1099-C Furthermore, as this account was charged off and treated as a loss by the original creditor, I request a copy of IRS Form 1099-C for the tax year XXXX. Charged-off amounts are considered taxable income, and I require this documentation to accurately file my tax return. 
Demands 1. Immediate Removal : Cease all reporting of this account to all 3 credit bureaus. 
2. Verification of Actions : Provide written confirmation that this account is no longer being reported or handled unlawfully. 
3. IRS Form 1099-C : Send the requested documentation to my address promptly. 
Failure to address these issues will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other relevant authorities. 
I trust you will address this matter promptly and provide a written response within 15 business days of receipt of this letter. 
Sincerely, 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 2024-12-31 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: NY

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion 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 the following collection account : Sunrise Credit ( TransUnion ) : Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$160.00} Date Opened : XX/XX/year> Account Number : XXXX I do not recognize this collection account as reported. This account was not opened, made, or authorized by me. It is the result of identity theft and fraud. 

I have attached the following documentation as evidence : A copy of my FICO credit report highlighting this fraudulent collection account. 
A copy of the FTC Identity Theft Report Number : XXXX, confirming that this item is the result of identity theft.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Larry H. Miller Group of Companies
State: TX

Complaint narrative:
Dear CFPB, I am writing to express my concern about the inclusion of unauthorized accounts on my credit report, which appear to be the result of a data breach. These accounts do not belong to me and are negatively impacting my credit profile. 

Given the rising frequency of data breaches compromising personal information, its critical that credit reporting agencies implement robust measures to ensure consumer credit reports accurately reflect only legitimate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have continually contacted Experian, XXXX and XXXX about the addresses that are showing on my credit report are not my addresses. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX have never been my addresses. My current mailing addresses are XXXX XXXX XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have had XXXXXXXX XXXX XXXX for over 5 years. Experian keeps stating that the company contacted the Office of the Attorney General of Texas and they are the ones who gave them XXXX XXXX XXXX and XXXX. It is wrong. Those are not my addresses. The XXXX Post Office has repeatedly had to put mail sent to XXXX XXXX XXXX and XXXX with my name on it into my box which is 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 2024-12-31 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally request validation of the debt you claim I owe, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Specifically, I am requesting the following documentation : Proof of Ownership of the Debt : A copy of the original purchase agreement with the original creditor ( XXXX XXXX XXXX ) that demonstrates you have legally acquired and now own this debt. 

Account Statements : Copies of all account statements from the accounts opening to its closure, showing the full history of charges, payments, and fees. 

Proof of Legal Authority to Collect in My State : Documentation proving you are legally authorized to collect debts in my state, including your license number or registration details. 

Copy of Your Bond : A copy of your bond or surety that verifies you are legally registered and bonded to operate as a debt collector in my state. 

I am writing in regard to the alleged debt you claim I owe, associated with account number [ Account Number ending in XXXX, if available ]. Under the Internal Revenue Code ( IRC ) 6050P, creditors are required to issue a 1099-C Cancellation of Debt form when a debt has been canceled, forgiven, or otherwise discharged in an amount of {$600.00} or more. 

If this debt has been canceled, settled, or discharged in any way, I am formally requesting that you provide me with a copy of the IRS Form 1099-C reflecting this cancellation. 

Additionally, if you have not canceled this debt, I request written confirmation of this status and the basis on which you continue to pursue collection. 

Please note that failure to provide accurate information regarding the status of this debt may constitute a violation of both federal debt collection laws and IRS reporting requirements. 

I expect your written response within a timely manner of receipt of this letter. 

Until you provide the requested information, I do not acknowledge or accept any responsibility for this debt. Additionally, as per federal law, you are required to cease all collection activities, including reporting this account to any consumer reporting agencies, until this debt is fully validated. 

Thank you for your immediate attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
Sequium Asset Solutions reached out to me claiming I had an outstanding debt with a previous rental agency for an apartment I leased in XXXX. The alleged outstanding debt, as reported by Sequium Asset Solutions, is inaccurate. The correct account balance is {$0.00}. 

In XX/XX/XXXX, I moved out of an apartment in XXXX XXXX XXXX XXXX XXXXXXXX, Texas. During the move out process, there was a miscalculation by the leasing office, resulting in the reporting of an outstanding balance on my account ledger. This original, incorrect ledger showed an outstanding balance equivalent to the amount that Sequium claims I owe. I was able to contact the Bookkeeper and resolve the issue. The bookkeeper corrected the issue, confirming I do not owe a balance, and even found that a refund was warranted due to overpaying dues at the end of my lease. XXXX  XXXX XXXX issued me a check for the money that was owed to me and a second ledger was sent to me showing a balance of {$0.00}. 

I reached out to XXXX XXXX again in XX/XX/XXXX when Sequium Asset Solutions first contacted me. After speaking with the Accounting Manager it was confirmed again that there was not an outstanding balance on my account. XXXX XXXX also informed me that they work with a different debt collection agency and confirmed they did not send any debt to Sequium. 

Additionally, I mailed Sequium Asset Solutions a letter requesting validation of the alleged debt. This letter was sent via certified mail on XX/XX/XXXX. It was signed for by the collection agency but a reply providing factual evidence supporting their debt claim was never sent back to me.

Company response to consumer: Closed with non-monetary relief