vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
XX/XX/year> FAIR COLLECTION AND OUTSOURCING they say I owe XXXX I am not liable for this debt and I requested the original contract with my signature they failed to do so I had it removed but they continued to keep putting it back violating my rights under law 15 usc 1692c ( c ) clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication

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 2024-10-04 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: IL

Complaint narrative:
I am reaching out for your help with this wrong account that is affecting my credit report. This issue has XXXX  my reputation, and I need your immediate assistance. Your improper actions have damaged my reputation, and you must remove this incorrect 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 2024-10-04 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: NJ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously XXXX  my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: MN

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously XXXX  my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
I never received the {$500.00} transfer from my Chime account to XXXX. It looks like the account and routing was to the old bank account from XXXX, which was using XXXX XXXX  XXXX XXXX. XXXX is no longer using XXXX XXXX  and is now using XXXX XXXX XXXX XXXX The reason for the switch was a XXXX. Chime now has my funds on hold and have locked me out of my account. I have tried numerous time to explain to them that the routing was to XXXX XXXX  and they admit that the funds were returned. However, they will not release the hold on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
The original loan amount is not the same as what is due. As per repayment, my end date is constantly changed without me knowing and Im never sent an update on this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I am filing this complaint due to inaccurate debt reporting by XXXX XXXX XXXX, which is appearing on my credit report. This error has resulted in financial harm through credit denials and reputational damage due to the false representation of this debt. 

On XX/XX/year>, I contacted XXXX XXXX XXXX directly, disputing the debt and requesting documentation in accordance with my rights under 15 USC 1692g Sec. 809 ( b ). To date, the company has failed to provide sufficient documentation to validate the debt, including : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to the collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Despite the lack of response or proper validation, this debt remains inaccurately reported on my credit report, and this misrepresentation is unjustly harming my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sir Finance Corp
State: WI

Complaint narrative:
On XX/XX/XXXX, I took out a loan for {$1200.00}. I managed to make XXXX payments, but then I encountered some health issues that prevented me from continuing. I reached out to the lending company to explain my circumstances, and they were quite understanding. Unfortunately, during that time, I went through a series of significant life changes, including a difficult divorce, which caused me to lose track of the debt. Eventually, the creditor handed my account over to a debt collector, who did not reach out to me regarding the outstanding amount. On XX/XX/XXXX, I was shocked to receive a notification from my employer stating that my wages were being garnished due to this debt from a decade earlier. The debt collector never made any attempts to contact me about the debt. I discovered that the debt collector had used misleading tactics and unfair practices purposely to collect what had ballooned to an astonishing 95.25 % in interest. Current garnishment amount is {$5800.00} The debt collector has refused to respond to any of my forms of communication to stop the garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
A wire was sent to FNB OF PENNSYLVANIA to my business account on XXXX for {$13000.00}. After I sent {$3000.00} in payments out they Froze my money blocking me from paying my bills. It is negatively affecting my credit score and making me have late charges and other fees. They told me they are " protecting me '' from scams that I am not in any danger from. That they were putting a 10 business day hold on my money. After 10 business days it showed up in my Ledger but is still being held by FNB from my available account. I have inquired for the last 5 days what was going on and have received no word despite calling my Branch Office for 5 days now. They aren't even giving the courtesy of returning calls. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
To whom it may concern : I have recently been informed that there is negative information reported by the XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. After ordering a copy of my credit report, I see an entry from this court listing with reference number XXXX filed on XX/XX/year>. 

The entry with reference number XXXX filed on XX/XX/year> with this court appears to be in accurate. 

Please verify and validate this information with the court and provide me copies of any documentation associated with account granting new access to report this information, bearing my signature. In the absence of any such documentation, bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

I have contacted the United States bankruptcy court for the district of XXXX in person and via XXXX mail. Their response to me in reference to any credit reporting is that they are not a credit agency and dont report to any credit companies. There for I am demanding that this incorrect information be immediately removed from my credit report. 

Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
To whom it may concern : I have recently been informed that there is negative information reported by the XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. After ordering a copy of my credit report, I see an entry from this court listing with reference number XXXX filed on XX/XX/year>. 

The entry with reference number XXXX filed on XX/XX/year> with this court appears to be in accurate. 

Please verify and validate this information with the court and provide me copies of any documentation associated with account granting new access to report this information, bearing my signature. In the absence of any such documentation, bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

I have contacted the United States bankruptcy court for the district of XXXX in person and via USPS mail. Their response to me in reference to any credit reporting is that they are not a credit agency and dont report to any credit companies. There for I am demanding that this incorrect information be immediately removed from my credit report. 

Best, 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 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: AL

Complaint narrative:
Reviewed most recent credit report and I noticed a collection that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection in question did not belong to me. 

Under code 15 USC CODE 1692g & 15 USC CODE 6802 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 XXXX 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 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 2024-10-04 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: 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.

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 2024-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this formal complaint regarding Experian 's failure to comply with my credit report dispute, dated XX/XX/year> ( DISPUTE IDENTIFICATION : XXXX XXXX XXXX XXXX ). In this dispute, I specifically requested a detailed timeline and complete procedural documentation of the investigation conducted by Experian on the disputed items on my credit report. Experian has failed to provide the required documentation, which is mandated by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 6 ) ( B ) ( iii ).

Violations of the FCRA : Failure to Provide Procedural Documentation and Detailed Timeline ( FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) ) : I demanded a comprehensive report from Experian, detailing : The dates and times of each investigative action. 
Identification of the teams or personnel involved at each stage of the dispute process. 
A full description of the order in which the information was processed and verified. 
Despite this, Experian failed to provide the necessary timeline and procedural documentation, violating FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ).

Failure to Correct Inaccuracies in Multiple Accounts ( FCRA Section 611 ( a ) ) : I disputed multiple inaccuracies, including late payments, incorrect account statuses, and unvalidated debts, which Experian did not correct or properly verify. These errors remain on my credit report despite my formal dispute.

Failure to Address Unauthorized Hard Inquiries ( FCRA Section 611 ( a ) ) : Several unauthorized hard inquiries were identified in my dispute. Experian has neither removed these inquiries nor provided any justification for their continued presence, violating FCRA Section 611 ( a ).

Requested Resolution : I request that the CFPB require Experian to : Delete all inaccuracies from my credit report due to their failure to provide proper documentation and reinvestigate the errors.

Provide the detailed timeline and procedural documentation as required under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). 
Ensure all future responses are sent via certified mail with return receipt requested.

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 2024-10-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: TX

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

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 an account without my written instructions.

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 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: TN

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this 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 explanation
Consumer complaint received 2024-10-04 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: TN

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am writing to request the immediate closure of my account with Credit Collection Services, as I believe this account is fraudulent and was opened without my consent or knowledge. I have no association with this debt and did not authorize any transactions related to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief