vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: GA

Complaint narrative:
I recently reviewed 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 2024-05-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXXXXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting deletion of the XXXX XXXX  collection account # XXXX from my credit report due to the inaccurate reporting information they have been providing, this company has COMMITTED FRAUD and reported that I have had a collection since XXXX of XXXX  but upon my XXXX  report thats uploaded there's no collection reporting from XXXX. But XXXX has the account reported open in XXXX of XXXX??? SO THIS IS A COMPLETE LIE I found this information from my XXXX CREDIT REPORT, I HAVE DISPUTED THIS AND ITS COME BACK ACCURATE, THEY HAVE FAILED IN INVESTIGATING PROPERLY THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. all three credit bureaus have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 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 ( i ) 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. I want this deleted completely, not corrected I have not signed any contract in XXXX of XXXX. This is FALSE REPORTING ON MY CREDIT REPORT AND ILLEGAL, REMOVE 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 non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Netspend Corporation
State: IA

Complaint narrative:
Honestly very upset right now with this prepaid bank. 

I added {$500.00} to my account today at XXXX using the Barcode for my netspend account, i have the receipt and everything. I loaded the money at XXXXXXXX XXXX XXXX XXXXXX/XX/year> and it is XXXXXXXX XXXX XXXXXX/XX/XXXX and i STILL do not have my cash reflected in my account at all. This is actually the worst experience I've had with a bank. No sign of where my money went, the people at XXXX told me there's nothing they can do so that's not an option, tried calling netspend and they told me to visit XXXX again, which I did with no luck. I'm actually lost on what to do because my {$500.00} is not in my account and XXXX wont refund Cash Reloads. I just want my darn money back at this point, I'll probably never do business with this bank account after this situation.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To Whom this May concern, Recently, I conducted an investigation on my credit report, which unfortunately caused XXXX XXXXXXXX due to the findings. I discovered an item that were unverifiable, invalidated, inaccurate, and questionable, indicating that your agency did not ensure the 100 % accuracy of the information it reported. As you are aware, the Fair Credit Reporting Act mandates that all information on a credit report must be 100 % accurate. However, the account in question are in clear violation of this requirement, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). It is essential that these inaccuracies are rectified promptly to ensure the integrity and fairness of my credit report. Furthermore, I request that Capital One Auto Finance refrain from reporting this debt to any credit reporting agency. Please consider this letter as a formal notice to cease all communications and collection activities related to this debt.

Please confirm in writing that you have received this request and have complied with the law by ceasing all communication and reporting activities regarding this debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
Levy and Associates are attempting to collect on Time-Barred debt and are in violation of the Fair Debt Collection And Practices Act which prohibits suing on time-barred debt, collecting more money than what is owed on the debt, and failing to notify the consumer of court dates and providing a validation letter. 
1. Levy and Associates have placed a judgment and lien on the consumer 's property without providing the consumer notification of court dates to dispute the debt.

2. The consumer has not received a validation letter from Levey and Associates.

3. Levy and Associates are attempting to collect more than what is owed on the debt.

The consumer reached out to Levy and Associates and spoke to a customer service representative who stated the debt in question was purchased from XXXX XXXX XXXX, the original creditor was XXXX XXXX, and the amount owed was {$1800.00}. 

According to the consumer 's credit report, XXXX XXXX received the last payment on XX/XX/2016, and no other payments have been made since. This debt has been inactive for over 7 years. According to court records the debt is {$1100.00}, not {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Credence Resource Management, a collection agency that has repeatedly been removed from my credit report but continues to synthetically alter information to claim that I owe them a debt. I have never signed a contract with them nor received any debt validation from them. 

I want to emphasize that this is not my debt. I have no knowledge of this alleged debt, nor do I have any knowledge of the original creditor they are falsely claiming to work for. 

When I attempted to contact Credence Resource Management by phone, they refused to cooperate unless I disclosed my personal information. They hung up on me multiple times when I refused to provide this information due to my belief that they are altering it synthetically to unlawfully extract funds from me. During my call today, I disclosed my current address, XXXX XXXX XXXX, XXXX XXXX, FL XXXX, but they claimed to have a different address on file that I have no knowledge of. I have reason to believe they will synthetically alter the information again without my permission. 

This company is violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692. They are falsely reporting communications with me to credit bureaus. Today was the first time I had any contact with them, as I found their number on XXXX and initiated the call. Despite this, they have been reporting to the credit bureaus as if there has been ongoing communication. 

Credence Resource Management 's actions are fraudulent and damaging to my financial standing. They are violating consumer protection laws, and the credit bureaus are allowing this to continue. My attempts to resolve this issue have been met with unprofessional and obstructive behavior from Credence Resource Management. The first supervisor I spoke with pretended to lose service, and the second supervisor became angry and hung up when I refused to give my social security number. 

I urge the Consumer Financial Protection Bureau to investigate Credence Resource Management for their unlawful practices and take appropriate action to protect consumers from their fraudulent activities. 

I would like to receive assistance in getting this alleged debt removed from my credit forever. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-23 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-23 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: FL

Complaint narrative:
I am requesting deletion of the XXXX XXXX collection account # XXXX from my credit report due to the inaccurate reporting information they have been providing, this company has COMMITTED FRAUD and reported that I have had a collection since XXXX of 2022 but upon my 2022 report thats uploaded there's no collection reporting from XXXX. But XXXX has the account reported open in XXXX of 2022??? SO THIS IS A COMPLETE LIE I found this information from my EXPERIAN CREDIT REPORT, I HAVE DISPUTED THIS AND ITS COME BACK ACCURATE, THEY HAVE FAILED IN INVESTIGATING PROPERLY THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. all three credit bureaus have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 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 ( i ) 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. I want this deleted completely, not corrected I have not signed any contract in XXXX of 2022. This is FALSE REPORTING ON MY CREDIT REPORT AND ILLEGAL, REMOVE 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 2024-05-23 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: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the inaccurate records being reported on my credit file.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant XXXX  and distress, and I implore you to remove them without delay.

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 2024-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: West Coast Servicing, Inc.
State: PA

Complaint narrative:
This 2nd mortgage was opened in XXXX for {$30000.00} from XXXXXXXX XXXX 
It was paid up until XXXX when I requested a modification. I was told that the first was modified and the 2nd was rolled into the first and I only had one mortgage. 
I kept paying my first mortgage and am up to date and in good standing. Now almost 10 years later a loan servicer from CA ( West Coast XXXX  ) sent me paperwork requesting XXXX or they will foreclose on my home. I have since hired a lawyer to help me work through this process. I have a conciliation hearing on XX/XX/XXXX. But since I never received any statements, notices, nothing I think this is unfair or predatory. When I asked them for a modification, they offered a XXXX loan at {$500.00} per month, with a balloon payment after 10 years of {$67000.00}. I am XXXX XXXX XXXX ; my wife is XXXX and a XXXXXXXX XXXXt. I am her sole caregiver. We live on Social Security only. This is why I have hired a lawyer to protect the home from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. 

I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief