vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
This matter stems from two fraudulent charges to my XXXX XXXX XXXX account on XX/XX/year> one in the amount of $ XXXXand the other in the amount of {$190.00}. Additionally, XXXX XXXX charged both interest and late fees on these fraudulent charges. On the XXXX, 2022 statement, they reverse most of the charges except for interest and another late fee that were erroneously left on the account that should have been removed with the rest of the fraud charges. Subsequently, they continued to add interest and late fees on these fees that all stem from fraud. I notified them several times but they refused to remove these charges which were absolutely not mine. They then sent the account to Midland collection. Midland will not remove the charges either. Absolutely none of the charges were mine and they knew that hence why they reversed the core charges in XXXX XXXX and it shows due to fraud on the statement. Prior to the fraudlent charges on XX/XX/year> the account had a XXXX balance. XXXX allowed the theft to occur and knew it. XXXXXXXX XXXX needs to be investigated for fraud and other issues stemming from charging interest and late fees on fraud charges. 

I am going to seek out an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: TX

Complaint narrative:
I recently review my credit report and noticed unauthorized/fraud accounts XXXX XXXX XXXX XXXX in the amount of {$21000.00}. XXXX XXXX in the amount of {$1600.00}. XXXX XXXXXXXX XXXX XXXX in the amount of {$13000.00}. XXXX XXXX XXXX XXXX in the amount of {$10000.00}. Accounts are collection or closed accounts that I do not recognize. I have put a Fraud Alert on all with all credit bureaus. I asked for Method of Verification or deletion from EQUIFAX after the dispute results stated that the account verified it belong to me. It has been past 30days. Please delete unknown account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: 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. 

has violated my rights. Or a list of inquiries : 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 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Spring Oaks Capital, LLC
State: NH

Complaint narrative:
In response concerning the purported debt, I must assert its invalidity due to insufficient validation from Spring Oaks Capital. On XX/XX/2023, I corresponded with Spring Oaks Capital, posing five specific questions aimed at validating the debt. Despite my efforts, the response I received failed to adequately address all inquiries.

While Spring Oaks Capital attempted to respond, their reply did not sufficiently address all five questions outlined in my initial communication. They answered four questions, but failed to answer the fifth or respond at all to the fifth question Therefore, according to legal protocols, the debt lacks validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: GA

Complaint narrative:
I have reviewed my consumer reports and noticed that I had XXXX late payments on an account I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information in the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside the complaint in on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as the should be due to the fact I was never late. Thanks! Please see attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: GA

Complaint narrative:
I have reviewed my consumer reports and noticed that I had XXXX late payments on an account I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information in the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside the complaint in on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as the should be due to the fact I was never late. Thanks! Please see attachments.

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 2024-03-01 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: MD

Complaint narrative:
Inquiries attached on my account are inaccurate, they are just fraudulent inquiries. I never made an inquiries such as those.

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 2024-03-01 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: WA

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-01 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: LoanCare, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, Loancare experienced a cyber attack, compromising personal information of over XXXX XXXX individuals. A week later, I received Dark Web Monitoring alerts from my credit card company, revealing that my name, email address, home address, and phone numbers were exposed on the dark web. Subsequently, I faced harassing messages, with individuals attempting to extort me. 

On XX/XX/XXXX, I received a letter confirming that my personal information, including my social, was compromised in the data breach, explaining its appearance on the dark web. This situation was especially alarming as I have a newborn at home, and individuals claimed to possess my personal information, including my address. 

I promptly contacted Loancare 's Data Breach response line, expressing my concerns, and they assured me of forwarding the matter to the escalation team. Despite signing up for Loancare 's Credit monitoring services XXXX XXXX XXXX, its performance was subpar. I received two more Dark Web Monitoring alerts through my credit card company, neither of which reflected in Loancare 's service. A second contact with Loancare resulted in another escalation ticket, but after a week, I sought help from the XXXX XXXX XXXX.

My complaint to the XXXX XXXX XXXX went unanswered, and Loancare added a negative remark to my credit report, adversely affecting my credit score. Subsequent attempts to address the issue through customer support, leadership team contact, and even purchasing a secondary identity theft protection plan yielded no response from Loancare.

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 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/year> PRA response to XXXX in the responseRPA use the terms on or about the date consumer was mailed a letter to address first inaccurate never live at XXXX XXXX XXXX XXXX XXXX XXXX  so how can a debt be validated within five days mail to incorrect address consumer never live at.Second Inaccurate never provided purchase agreement. 3rd inaccurate reporting bills PRA submitted have a different address that was provided supportly bye the original creditor. PRA violation 15USC1692 G failed to validate a debt. PRA also stated all information was validated with the original Creditor I live in the XXXX  the address name is In XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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:
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.

has violated my rights. Or a list of inquiries : 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 2024-03-02 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: 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. 

has violated my rights. Or a list of inquiries : 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 2024-03-02 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: 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.

has violated my rights. Or a list of inquiries : 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 2024-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I made a transaction on XX/XX/2024. Using my account as source of funding so The transfer service Tranferwise Inc ( Or Wise Inc ) could add the funds to the balance account I have with them. The money was debited via ACH from my account but as XXXX the funds are not yet available for me to use within the app even though they stated the fund would be available by EOD XXXX. 

I called them several times to try to understand the issue and they just made excuses and ended hanging out the call with no resolution nor a ETA. Just told me to keep waiting without further assistance or even transferring me to the escalation department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I called Easypay Finance today XX/XX/XXXX at this number XXXX. I told their support person that today on XX/XX/XXXX, my account was drafted for {$100.00}. I asked Easypay if they could see this amount being drafted at the beginning of every month. 

They could not see it. They told me that my account is current -- and that it is on schedule every month on the XXXX for {$130.00}. I can see on my checking account for XX/XX/XXXX for {$130.00} that it was drafted. It appears I am holding my end of the agreement. However, they could not answer why or where the {$100.00} being drafted is coming from. 

The person over the phone confirmed they could not see any late payments. 

The person over the phone could not tell me why the drafted payment of {$100.00} exists nor could they see it. They recommended I e-mail XXXX. I asked kindly if I could please have a phone number to ask about this. They could not provide a phone number. 

Every beginning of the month, I am constantly drafted an additional {$100.00}. In addition, I received a text message from " XXXX '' to my phone number at XXXX today saying " XXXX : [ name ] your XXXX XXXX acct was due XX/XX/XXXX. Pay now at my.easypayfinance.com or call XXXX. '' This is contradictory to what the folks on the telephone have told me. This is also contradictory to what my checking statement says on XX/XX/XXXX showing the drafted payment of {$130.00}. 

I am shocked. My account is current and Easypay Finance are unable to tell me where this amount of {$100.00} is going. I have e-mailed XXXX today and have not received a reply yet, however I am very concerned and I wanted to let CFPB know this is not good business practice. I should be able to call someone over the phone about this and have this clarified immediately. 

XXXX regards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: CA

Complaint narrative:
Someone, who probably has my personal information, applied for credit cards causing so many inquiries on my credit report which are the following : XXXX XXXX on XX/XX/year>, XXXX XXXX on XX/XX/year>, and XXXX on XX/XX/year>.

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 2024-03-01 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: CA

Complaint narrative:
Someone, who probably has my personal information, applied for credit cards causing so many inquiries on my credit report which are the following : XXXX XXXX on XX/XX/year>, XXXX XXXX on XX/XX/year>, and XXXX on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: NJ

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative item on my credit report. Specifically, this account : ( XXXX XXXX XXXX XXXX  ). I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. 

I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OH

Complaint narrative:
This is to express my deep dissatisfaction and concern regarding the holding of the funds in my Square account. As of XX/XX/2022 i got a mail from square that my account has been deactivated and my balance totaling {$120000.00} will be withhold for a period of 90 days, right now its been 19 months and my funds is still yet to be released which has impact my ability to conduct business and meet financial obligations. 

Despite my persistent efforts to resolve this issue through your customer support channels, I have encountered nothing but delays and unhelpful responses. The lack of transparency regarding the reasons for withholding my funds only adds to my frustration. 

I urgently request the immediate release of my funds. The detrimental effects of this hold on my business operations can not be overstated. It is imperative that this matter is addressed with the utmost urgency and efficiency. Failure to resolve this issue promptly will leave me with no choice but to pursue further action to safeguard my interests. 

I trust that you will prioritize this complaint and take swift action to rectify the situation. I eagerly await your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Foreclosing on property that is not delinquent. I have not missed a payment yet and they are trying for a land grab. Corruption and licenses need to be revoked

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: NC

Complaint narrative:
THIS WILL BE MY 3RD ATTEMPT TO CORRECT THIS ISSUE. THIS COMPANY IS REPORTING INACCURATE INFORMATION TO MY CONSUMER PROFILE.

I HAVE NEVER HAD AN ACCOUNT WITH THIS CREDITOR. I REQUESTED VERIFICATION AND THIS ACCOUNT IS UNVERIFIABLE.

ALSO AFTER FURTHER INVESTIGATION BULLCITY FINANCIAL DOES NOT HAVE THE PROPER CREDENTIALS TO ATTEMPT TO COLLECT ON ANY DEBTS IN THE STATE OF NC I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED ON MY CONSUMER PROFILE. THIS IS NOW IN VIOLATION OF 15 USC 1681B.

FURTHERMORE FURNISHING AN ACCOUNT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 THIS BEEN REPORTED TO MY CONSUMER PROFILE IS AFFECTING MY ABILITY TO OBTAIN HOUSING.

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