vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 
XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 
XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have no financial relationship or obligation with IC Systems. The fact that they have submitted this information to my credit report is in violation of the following.

Under the Fair Debt Collection Practices Act.

15 USC 1692c 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- I did not provide any written authorization for IC Systems to contact me.

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 2024-06-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank
State: CA

Complaint narrative:
I have made 4 consecutive payments from XXXX, XXXX XXXX, XXXX to pay First progress credit card company. I attempted to make a payment and set up autopay and it was unsuccessful. I found out not by email, letter or phone call that it didnt go through. I found out by my credit bureau that I had a late fee and it brought it down XXXX points. I called first progress immediately to find a resolution and they communicated that if I fax them a goodwill adjustment it can be reversed. As instructed I did just that. The same day, I went a step further on XX/XX/XXXX and paid the total {$260.00} that I owed. I received an email confirmation that they received the payment. To my awareness I did my due diligence. I still called 3 days later to follow up, since the representative of the company communicated that they would have reviewed the goodwill adjustment by then. When I called they said it still was not reviewed yet and it could actually be up 3-6 weeks, not 3 days. I was first told 3 days, and now told weeks. There has been deception, inconsistency, and negligence in the basis of this company. I have tried as a consumer to pay my bill, follow up with calls and fax. I called yesterday, XX/XX/XXXX to get an update on this matter, the representative said you will have to talk to the collections agency, let me give you their number. I then said, I have paid my debt and have not been disclosed this at all, again. She then put me on hold for 3-5 minutes to tell me to disregard. I have not had any resolution, just amplified confusion. Not only that, I have XXXX points on my credit report that was not even disclosed that they would report a late payment. I have evidence of multiple attempts of payment, and this company has not done their part in responding or resolving this matter. I am reporting to request my negative credit score to be removed due to this unjust act. I am beyond disappointed, I am harassed emotionally and lost respect for this credit card company for how they manage their business in basis to help consumers to build their credit scores like myself. This is a fraudulent business and needs to be exposed with a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
I recently procured and reviewed my credit reports from the credit agencies and noticed an inaccurate account listed on my report. I have provided proof under the doctrine of estoppel by silence, as cited in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and therefore presume that no evidence of the alleged debt exists. I hereby request immediate access to the signed disclosures that indicated I granted permission for these accounts. 

I require identification of any information necessary to investigate the disputed information. According to the Fair Credit Reporting Act ( FCRA ), Section 1681c, pertaining to the block of information resulting from identity theft, the only party a debtor is obligated to compensate is one who has suffered a financial injury, executed the original contract, or otherwise lent money. I am unfamiliar with CREDIT CORP SOLUTIONS , Inc. and have no contractual agreements with this entity or any entities from which they may have purchased debt.

My questions to CREDIT CORP SOLUTIONS , Inc. are as follows : Who are you? What loan are you claiming that I received? What evidence do you possess that substantiates this claim? What documentation are you providing? When did you allegedly come into possession of this account? When was this account allegedly created? How could you possibly have personal firsthand knowledge of any events concurrent with the alleged creation of this account? 

Typically, those initiating legal action ( case no. XXXX ) to collect debts are neither original lenders nor parties who have suffered financial injury. Under the conditions set forth by the Fair Debt Collection Practices Act ( FDCPA ), debt collectors do not possess the legal authority to employ remedies available only to creditors who originate loans, such as issuing notices of default, making assignments, or substituting trustees. Third-party debt collectors are limited to pursuing legal action in court for debts they claim are owed.

I question your capacity or standing to initiate legal action against me, and I deny that you are a creditor or anything other than a debt collector with no legitimate financial interest in this alleged contract and who has sustained no monetary harm related to it. Your claims are based on mere hearsay without firsthand, competent witness testimony to support your alleged facts. While debt collection is a legitimate business, debt collectors must adhere to stringent rules for their operations to be lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before.XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.

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 2024-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
RE : issue regarding money received by Venmo on XX/XX/XXXX A deposit was made by my daughter to me through VENMO on XX/XX/XXXX. My login fails, so I can not access or transfer my balance to my bank. The following message appears in pink box top of screen every time I try to login! Check your info and try again. 
I tried for over 6 hours over three days. 
I need the money my daughter sent to me on XX/XX/XXXX to be deposited to my card at XXXX XXXX  ( on file w Venmo under my name ). I tried to re-imburse her as a refund through Venmo with my XXXX  card and it went through on my card ( and I noted it as refund so she would not worry since it was sent to me to buy food ) BUT I NEVER actually got the money she sent me although there IS a record of it on Venmo! I spoke XXXX XXXX XXXX XXXX XXXX XXXX  who gave me Ticket # XXXX to prove our conversation time happened. XXXX confirmed they received the deposit made by my daughter of {$30.00} on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Acct Name : Midland Credit Management Account # XXXX I am writing to dispute the presence of certain charge offs on my credit report. I believe that these charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX compliancy requirements.

Specifically, I believe that the information reported by your agency regarding these charge offs is inaccurate, incomplete, and misleading. As a result, my credit score has been unfairly impacted and I have suffered damages as a result.

Under the FCRA, it is your responsibility to ensure that all information reported to credit bureaus is accurate and up-to-date. Additionally, the XXXX XXXX compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report the date of first delinquency and the date of charge off. 
Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review.

I am requesting that you investigate this matter and correct any inaccurate or incomplete information in my credit report.

Additionally, I am requesting that you provide me with a copy of the investigation results and any updates made to my credit report as a result of your investigation.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
There was a capitol one credit card that showed up on my credit report. I do not have a cap one account or a card. I never opened a cap one account. This is fraud. Please remove this from my report. I will include the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: IN

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: MS

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-26 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: AL

Complaint narrative:
This addres XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX, is on my account Ive never lived here and the address is inaccurate, it states its an apartment but its a house

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.

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 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
Back in XXXX, I hired a contractor company to install a kitchen island with cabinets. I hired them because they did the kitchen in the house I bought end of last year. Once the contractor came I explained I wanted additional kitchen islands with cabinets. They spoke poor English, but still, at the end of the conversation, I had the impression that I would get an installed kitchen island with cabinets for a little over {$2000.00}. I paid the first {$1000.00} before they started work. So they could order the material needed. Contactors were super unprofessional, they were 3 times late and a couple of times they never even showed up when they promised to. As the work began, I saw they had already made a mistake regarding the height of the island. When I pointed that out they thrived to fix it and created not smooth-looking island with added height which you could see as obvious. There are a couple of chips on the quartz. Once they installed the quartz counter top they asked for the rest of the money. And said once the cabinets will be installed as we agreed in the beginning. But contractors were playing saying there were no cabinets ever, that I didn't say such a thing. The money I paid for is only for the countertop part, and I wanted cabinets that would be another {$1000.00} or more and they will see if they have time to do that even. 
I was really upset, and didn't know what to do or how to solve is matter. Because there was no contract whatsoever, everything was only verbally agreed on. So now I am trying to dispute with my Apple card ( Goldman Sachs ) the {$1000.00} payment. Since the contractors didn't finish the job and poorly installed the quartz countertop. But apple card is not approving my dispute. I disputed 3 times with them already. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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