vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: AZ

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. 
Convergent AccounXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX has violated my rights. 


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 2024-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: MA

Complaint narrative:
This debt collection agency has been calling family members multiple times a day, every day for a loan that was fraudulent opened. They have failed to prove the loan belongs to me. They are breaking the law with their constant calling of individuals that arent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am rewriting to formally refile a complaint against COMENITYCB regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my COMENITYCB credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting COMENITYCB directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report XXXX. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my COMENITYCB credit report. Additionally, I seek written confirmation from COMENITYCB once these accounts have been corrected. I also ask the CFPB to investigate COMENITYCB handling of my dispute and its adherence to FCRA and CFPB rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding unresolved claims related to XXXX XXXX XXXX, which was closed and placed into FDIC receivership. Despite numerous attempts to recover my funds, I was informed that the receivership for XXXX XXXX XXXX ended on XX/XX/year> and records no longer exist. The FDIC Depositor Services team has advised that any claims are now invalid due to the age of the receivership. I am deeply concerned about the lack of transparency and resolution for individuals like myself, who have been negatively impacted by this closure and the unavailability of records. It is troubling that no alternative recourse or compensation is being offered, despite the longstanding nature of this issue. I kindly request that the CFPB review this matter and investigate whether any additional avenues for resolution exist. If XXXX XXXX XXXX 's remaining assets or liabilities were transferred to a successor institution or another entity, I would appreciate assistance in identifying those paths to recover my funds. Additionally, I would like guidance on how individuals in my position can protect their rights and pursue compensation in situations where institutions close, and records become inaccessible. Thank you for your time and attention to this matter. I look forward to your response and any steps that can be taken to resolve this long standing issue. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.

Complaint narrative:
I have been unable to send out funds from my blockchain account for over two years and I was told to upload my identity which I did, and it took several months for them to respond to that and told me that my identification process was not successful but has since made it impossible for me to redo the process. I keep getting a message that says we are unable to verify you at this time anytime I tried to click to redo the identification process. I opened a ticket with them about it on XX/XX/year> at about XXXX XXXX. Since then I have not received a reply regarding the problem or have access to my funds. I have in effort to get my money or get a reasonable answer sent about 30 mails but no reply to any of them The funds are visible in my wallet but I cant send it out. And I cant redo the identification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: CA

Complaint narrative:
First Progress bank reported me to the XXXX credit bureaus a 30 day late.Uploaded documentation is the payments I paid and was confirmed by email from First Progress ( in uploads ) .They said it was in XXXXThey claimed I put in the wrong account number, I auto filled it and I would NOT have got a confirmation email had I put in the wrong account number, not only that they would have notified me the first time if the payment did not go through.I then had to mail in the payments and they changed there entire mailing address without even notifying me, this was done in XXXXThis change made it to were my payment was not received until the mail was forwarded.Thus making it late.Uploaded is the confirmation of payments made and they reversed them, I checked my bank statement and it WASNT for insufficient funds, also attached is entire history of activity of the account, it makes no sense for had they notified me of the payment being reversed I would have resolved the issue way before 30 days but I received confirmation email saying i paid.please help, there is no way there is a 30 day late ( see attached ) on this account, only reason they are claiming there is a 30 day late is they reversed the payments and never notified me.XXXX XXXX  agrees that this is not my fault.I have been needing to refinance and I prepaid this card to improve my credit, please help.In the previous questions there were a couple questions that 2 or 3 answers would apply but they only allow one answer.I feel that this was intentionally done so I would be forced into a situation that I would have to sell my house for there are a lot of greedy investors buying up homes in my area for they hold value and are predicted to increase in value, i am bugged every day to sell my home by corporate greedy investors.I also think they did it causing they know im not good on the computer and they thought they could get over on me, I have a idea of who it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-03 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: PA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
The Indigo Card through the Concora Credit company issued a {$700.00} limit credit card which required a {$170.00} annual fee that was applied to the card upon activation. I was able to use the card for 4 transactions which occurred through XXXX retailers XXXX XXXX XXXX XXXX ). This totaled to about {$180.00}. When I went to use the card again, it was declined. I logged into the account and my available balance was {$0.00} when it should have been roughly {$340.00}. When I called the customer service rep said that it was closed due to suspected fraudulent charges. I confirmed that all of the charges were mine. They offered no options for resolution, refused to open the account back up after I confirmed the charges, and I asked to speak to a supervisor. I told the supervisor the exact situation, she repeated the same rhetoric back to me about fraudulent charges, of which i reconfirmed there were none. I told her that if she could not explain to me which charges were considered fraudulent and that if she could not reopen the account after my confirmation, that I was not willing to pay the annual fee because I was not able to use the card. I have only had this card for 2 months. 

It is my belief that this is a scam. That I was given the card to then pay the fee and once the card was used, the card closed and now I am stuck with an annual fee due for a card I can not use closed for reasons unexplained. My account, however can still be logged into and payments made, and nowhere on the online portal does it say the account is closed. It is only when I call that it states that, which is high suspicious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-03 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: AL

Complaint narrative:
I am writing to formally express my deep concern regarding the unresolved disputed accounts on my credit report. Despite my repeated requests for thorough investigations into the inaccuracies I have identified, no corrective actions have been taken thus far. These erroneous entries are negatively impacting my credit file and significantly affecting my ability to manage my financial obligations and lead a normal life. 

The ongoing presence of these inaccuracies has created immense hardships, and I am left with no choice but to ask for your immediate assistance in resolving this matter. I kindly urge your organization to conduct a detailed review of each of the disputed accounts on my credit report and take the necessary steps to correct any errors without further delay. 

It is critical that the accuracy and integrity of my credit report be restored as soon as possible so that I can regain control over my financial health. I sincerely request that this matter be given your highest priority and that swift action is taken to rectify the situation. 

Thank you for your prompt attention to this urgent matter. I greatly appreciate your support and cooperation in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: PA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from 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 2024-10-03 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: PA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from 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 explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-10-03 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: AZ

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-10-03 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:
I obtained an copy of my credit report noticing that there are several errors being reported from the credit bureaus XXXXXX/XX/XXXX unauthorized DEPT OF EDXX/XX/XXXXunauthorized XX/XX/XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXXunauthorizedXX/XX/XXXX unauthorized XX/XX/XXXX unauthorized XX/XX/XXXX unauthorized

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 2024-10-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account with XXXX XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX XXXX on my credit reports from TransUnion, XXXX, and XXXX. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that this account is not mine. 

Details of the Dispute : Account Type : Revolving ( Credit Card ) Date Opened : XX/XX/XXXX Balance : {$84.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete ( XXXX XXXX. XXXX ). The FCRA requires credit reporting agencies to conduct a reasonable investigation into disputed information ( XXXX XXXX. XXXX ). 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of false information related to a debt ( XXXX XXXX. XXXX ). Since this account does not belong to me, it is a violation of the FDCPA to report it on my credit file. 

Furthermore, according to the Identity Theft and XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have the right to report instances of identity theft. If this account was opened fraudulently, it is essential that it is removed from my credit report. 

Requested Actions I kindly request that you investigate this matter thoroughly and provide documentation proving that this account belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FCRA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: TX

Complaint narrative:
Collection Agency Name National Recovery Agencies Last XXXX of XXXX : XXXX I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to Texas Hospital for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail.

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