vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 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:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance : {$620000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXXXXXX XXXX Balance : {$5200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: NY

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance : {$620000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$5200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
Was previously on REPAY ( form of XXXX ) and was informed on the FSA site that if you were already on this play you would be automatically switched to the SAVE plan. More time passed and it never switched over. I submitted an application for the SAVE plan and was informed yesterday by MOHELA that this was under review so my loan payment is due now without adjusting my plan. Even though I followed the advice displayed by the FSA site and MOHELA. I am not sure why I was never switched over to the SAVE plan like the site said I would be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally requesting a re-evaluation of my identity theft dispute and a detailed explanation of the reasons for the denial. I urge your bureau to conduct a thorough and objective investigation into my case, taking into account all the evidence I have provided. However, despite the ample evidence provided, I was dismayed to receive a response from your bureau stated my dispute was denied. The letter did not provide sufficient justification for the denial and failed to acknowledge the gravity of my situation. I believe there has been a grave oversight in the evaluation of my case. I provided the required documentation and supporting evidence to substantiate my claims. This included a FTC Report from IdentityTheft.gov. My identity theft claim, submitted since XX/XX/XXXX of last year, outlined the following fraudulent activity on my credit report : XXXX XXXX XXXX XXXX. Please delete this fraudulent account ASAP.

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove them immediately.

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 2023-10-12 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:
I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc.
State: ME

Complaint narrative:
On Saturday, XX/XX/XXXX at XXXX was using the Crypto.com App. While using the app, I refreshed the " XXXX XXXX XXXX page and suddenly an option to buy XXXX crypto ( for the amounts you'll see in the screenshot attached ) popped up. XXXX XXXX %! I acted quickly and purchased only {$25.00} knowing thatd still be an incredible amount. The transaction was successful the balance was in the millions! It was so many numbers! I could hardly contain myself! I was thrilled! 

I took the screenshow of the page to show my wife while it was still showing the XXXX % Then went to the account to take a picture of that as well. Thats when i noticed a massive discrepancy. Instead of millions, I received around {$20.00}. " Oh well '' I thought. It was a ton of money. The system was probably still catching up. Thankfully I had the screenshot for support, and could show them that I had just purchased the XXXX XXXX due to my receipt. I'd just explain. 

Having evidence on my side, and knowing it must be a mistake, I instantly contacted Crypto.com customer service. I explained honestly what happened. Showed them the screenshot. They explained that they don't offer refunds, to which I responded that I didn't want a refund, I wanted what I had been advertised. I wanted what I paid for, and asked if they could look at my evidence, and fix the transaction for me... 

From there I have endured lies, harassment, false promises, challenges to take them to court, potential fraud, customer service reps claiming authority to deny my evidence on behalf of the Crypto.com Board of Directors and Investors ... its been a mess. 

I have recorded conversations with Crypto.com customer support which supports every single word I say. I would not go through all of this trouble if I didn't have the truth and the Lord on my side. I request your assistance. Please. 

I have already informed the AG of Maine, the XXXX the FTC, and now you. I have sent the recorded conversations to the AG and XXXX I will send them to you as well, whenever you request such information. 

Currently, I am waiting for someone named XXXX from the Crypto.com Complaints Team to contact me regarding a decision on what Crypto.com will do about this situation. She said it may take up to 15 days, and that worries me. That's a lot of time, and many things can happen between now and then. I am asking for someone to contact them on my behalf and act as mediation. I'd like to settle with Crypto.com privately and compromise. I do not want to go to court if it can be avoided, and I want nothing more than the amount I thought I was going to receive for my {$25.00} investment. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. 

Account name : # XXXX with XXXX 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 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
PayPal reported two accounts to XXXX. I have no open accounts and no balance due. I was not aware of two accounts, only one. It was paid off using PayPal phone payments months ago. Two days ago my Credit score with XXXX was XXXX the unauthorized open account reported to the credit bureau dropped my score XXXX points. My accounts are paid in full. This error will delay or cancel my loan for medical procedures. 

These accounts must be closed and show paid as agreed.

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 2023-10-12 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: EQUIFAX, INC.
State: NY

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. 
Account name : XXXX XXXX  XXXX # : XXXX, Account name : # :, XXXX XXXX XXXX XXXX Account name : XXXX XXXX, # : 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 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. 16815-2 ( AN1 ) 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 2023-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Once before, about three weeks ago, and tonight at XXXX XXXX PST XX/XX/2023, I received a phone call from a XXXX XXXX XXXX calling for Spring Oaks Capital ( a debt collection agency in XXXX, VA ) with her phone number shown as XXXX. She asked me to confirm my name and date of birth, which I did on her first call. When she claimed that I had a jewelry debt that I needed to pay to XXXX XXXX ( XXXX, Ohio, or some subsidiary outlet maybe in my neighborhood ), I told her that I don't buy or wear jewelry, never bought any, and I don't have a wife or children who might have done so. I hung up convinced it was a scam, not learning the amount I supposedly owed. 

On her second phone call, I extracted information about who XXXX worked for and to whom the debt was owed. When I asked her to state the amount, she refused if I didn't state my birthdate. I hung up again. Then I was advised to lodge this Federal complaint. 

Ten years ago I had a similar issue with a debt collector going after a man in my locale with the same surname without my middle initial. This is obviously a similar mixup. I looked up my name on XXXX and found three other men with my name, yet all were lacking my middle initial. She never stated my middle initial to me on her phone call. 

Should I email this memo to her collection agency with this information so they can straighten this out, at the same time, stating I have registered this complaint with you, the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: GA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. under 15USC1681 SECTION 602 States I have the right to privacy. 15USC 1681 SECTION 604A SECTION 2, It also states : A consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B States A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Creditors are XXXX XXXX XXXX  as of XX/XX/2023. XXXX  as of XX/XX/2023. XXXX XXXX XXXX as of XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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:
I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the date opened and payment status, and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX Acct # XXXX Date opened inaccurate. 
Payment status inaccurate. 

I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.

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 2023-10-12 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: FC HoldCo LLC
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.

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 2023-10-12 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: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX RE : REMOVE UNAUTHORIZED INQUIRIES Dear TRANSUNION, I pulled my 3 credit reports and scores recently. My report shows some inaccurate information that I did not authorize. Im referring to the inquiries listed that I did not authorize or provide consent. Im not aware or familiar with any of these listed creditors. 

I did NOT authorize the following inquiries listed below. None of these creditors obtained my consent and these reporting inquiries appear to be a violation of my FCRA rights. 

Below are the results of inaccurate reporting of my information. Please delete immediately. 
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 XXXXlease remove these unauthorized inquiries IMMEDIATELY and send me an updated copy of my credit report. 

Thank you, 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 2023-10-12 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: VA

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 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 2023-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pharus Funding LLC
State: MD

Complaint narrative:
My name is XXXX XXXX and Im a consumer submitting this complaint on behalf of myself without any third party being involved. 

Fraud and racketeering activities have been committed against me by your company which violates my consumer rights and the FDCPA. 

Pharus Funding LLC is using extortionate means to collect on alleged debt I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).

This notice states that your claim is disputed and validation of the account is required : * Bill of assignment * Purchase Agreement Chain of Title *Proof that you are license debt collector to collect in my state.

* A requested copy of your State Department of Commerce and Insurance Certificate.

Requesting if the Statute of limitation to collect on alleged debt is expired THIS IS A REQUEST FOR ACCOUNTING : REOUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098s ) any and all trades and or investments and/or interests associated with this account of which I am alleged to be a party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: Crescent City Credit Recovery, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates , LLC has been attempting to collect an alleged debt for the amount of {$1200.00} since XX/XX/XXXX. Company claims it purchased the alleged debt from XXXX XXXXXXXX XXXX but has failed to validate it's claims despite multiple written requests for such by me per FDCPA. My last written request for such proof and validation was on XX/XX/XXXX and it was not acknowledged and company continues to engage in negative reporting and damage my credit in violation of FDCPA and FCRA.

Company response to consumer: Closed with explanation