vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/year> I received threatening letters for Midland Credit Management saying that I have up to XX/XX/year>. Of I don't they will take further action to collect the debt. The debt in question is about XXXX to XXXX XXXX XXXX from XXXX XXXX. They constantly sending me letters for collection and the letters previously states that do to the age of the debt is no longer collectable. In Florida is XXXX years. I no longer want.to receive letters from.them threatening me. I am presently not employed and my husband is XXXX do to a XXXX XXXX. I do which that.they will stop harassment. Would appreciate your help. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time there were sudden discrepancies. I even refreshed my browser, thinking it was a glitch, but nothing changed. Those wrong accounts stayed on my report. I'm now asking that the documents I've provided be carefully reviewed so I can stop worrying about this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
Violation of Fair Debt Collection Practices Act. This debt went straight to collection with no communication or attempt to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I noticed an inaccuracy in my credit report, showing late payments on an account that was paid on time. Credit reporting agencies are required to report accurately, and this account was not late. I've attached my report with the dates in question. Please investigate and provide proof of late payments. If unverifiable, I demand the payments be corrected to on-time status immediately. Thank you for your swift attention.

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 2024-10-23 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: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX, XXXX XXXX, XXXX, and XXXX. This has cause me great XXXX, stress, and financial hardship.

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 2024-10-23 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: NY

Complaint narrative:
It is with great certainty representatives from TransUnion lack proper experience to navigate the laws governing credit reporting and FCRA laws. I've submitted a Federal Trade Commission Report detailing fraudulent accounts and furthermore asking all fraudulent accounts be cleared from credit file. Now, other credit agencies such as XXXX and XXXX followed the laws for identity theft victims and they clear all fraudulent accounts according to Federal Trade Commission Reporting. On the other hand, TransUnion continuously hasn't followed lawful request for identity theft victims, such as I. There negligence caused me to suffer with family financially. This whole situation will somehow lead to punitive and compensatory damages on there part. Thank you.

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 2024-10-23 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: NM

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/year> at XXXX I was contacted by a representitive ( XXXX  ) of " Credence Resource Management ''. 

I asked who was calling me and XXXX told me he was from the above named company. XXXX asked if he was speaking to me a I confirmed my name. XXXX asked me to verify my address information. I declined to do so and asked if XXXX was a debt collector. XXXX remained silent and demanded I verify my address information. I declined a second time and asked if XXXX was a debt collector. XXXX refused to answer and said that I was required to verify my address information. I declined a third time, stated XXXX was required to immediately identify themselves if they were a debt collector. XXXX again refused to identify and demanded I verify my address. I declined for a fourth and final time, stated I was filing a complaint, and ended the phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: Global Lending Services LLC
State: LA

Complaint narrative:
In accordance with the fair credit reporting act Global lending account XXXX beginning in XXXX has violated my rights. 

15 usc 1681 section 602 states I the right to privacy.

15 USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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:
Equifax has multiple times acknowledged that ID thief happened my credit. They have given me confirmation notice and approval numbers to confirm things removed that other credit reports have already removed- due to the inaction and downright lying of Equifax my credit score continues to be impacted while I attempt to buy a home. There are 4 accounts that must be removed immediately. 

XXXX ending in XXXX this is fraud XXXX ending in XXXX this is fraud XXXX ending in XXXX this is fraud XXXX  ending in XXXX this is fraud These cards report over 131 lates between them have a severe impact on my ability to do business. Please help me immediately before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Have automatic payment scheduled payed on the XXXX. Was not entered until the XXXX. After payment posted and was not the full amount charged interest which put over limit and will be charged on next statement for XX/XX/XXXX and over limit fee plus additional interest and payment due amount. Tried to explain to them that they are doubling the amount of interest and fees but their excuse is they charge a daily interest if full amount not paid. This is fraud to charge after a payment made and to post payment after the date paid.

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 2024-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: ME

Complaint narrative:
I requested an application for XXXX XXXX XXXX XXXX XXXX XXXX because my school admitted misconduct and misrepresentations in how it marketed to students. My school is also one of the schools on the XXXXXXXX XXXX XXXXXXXX lawsuit. I asked for the application, and XXXX  refused to provide it stating that they could not because they are not the original servicer. The original servicer was XXXX, but they were assumed by XXXX. So, XXXX assumed this obligation and now refuses to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have submitted multiple disputes for corrections on my credit report. Last dispute was on XX/XX/year>. Name should read as XXXX XXXX. Name currently reads XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
There was a unauthorized payment made via XXXX and chase bank is stating they will not return the money because it was supposedly made with Face ID I did not make this payment and there are 2 separate dates for the same transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I set up automatic withdrawals from XXXX XXXX to SoFi, XXXX XXXX didnt allow them through and SoFi didnt have an option on the app that was visible to cancel the withdrawal. 

They closed the account due to bounced payments with zero contact from the fraud department beforehand that would have allowed us both to work it out. 

Then they blocked me from making a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have submitted multiple disputes for corrections on my credit report. Last dispute was on XX/XX/year>. Name should read as XXXX XXXX. Name currently reads XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: TN

Complaint narrative:
I have submitted multiple disputes for corrections on my credit report. Last dispute was on XX/XX/year>. Name should read as XXXX XXXX. Name currently reads 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 2024-10-23 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: SC

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint against Portfolio Recovery Associates , LLC ( PRA ) for their illegal debt collection practices and failure to provide legally required validation of the debt they are reporting to credit bureaus. 
On XX/XX/year>, I emailed PRA requesting validation of a debt they reported on my XXXX credit report. I requested documentation proving my responsibility for this debt, including a signed contract from the original creditor, and proof of PRAs legal authority to collect this debt in Texas. As of XX/XX/year>, PRA has failed to provide any of the requested validation documents. 
PRA claims to have purchased this debt from XXXX XXXX XXXX XXXX on XX/XX/year>, with a balance of {$600.00}. However, I did not receive any notification of this debt until XX/XX/year>, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, they claim to have purchased another debt from XXXX XXXX on XX/XX/year>, for a balance of {$380.00}. Despite their claims, I did not receive any notification of this until XX/XX/year>, which contradicts their assertion that a letter was sent immediately after the purchase. 
Moreover, Portfolio Recovery Associates has provided incorrect address information tied to the debt, further evidencing the lack of proper validation. As per the documents Ive attached, this debt has not been properly verified, and their continued reporting of this unverifiable debt violates the Fair Credit Reporting Act ( FCRA ) and FDCPA. 
In light of these violations and their history of misconduct as documented in previous CFPB actions, I urge the CFPB to take immediate enforcement action against Portfolio Recovery Associates , LLC. 
PRAs ongoing disregard for consumer rights must not be tolerated. I request the removal of these unsubstantiated debts from my credit report and that XXXX ceases all collection activity.I have also attached relevant documentation, including my initial dispute letter, PRAs inadequate response, and my XXXX credit report. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: MI

Complaint narrative:
ive recently did a credit check to see about my file and noticed there are fraudulent accounts on my file these need to be removed asap this is a VIOLATION of the law 15 USC 1681s-2 states nobody shall support to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. these need accounts should be deleted and removed within 4 days of receiving this i also request all written confirmations be sent to my email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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