vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed complaints about false information appearing on my credit report with XXXX, XXXX, and Experian. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than 60 days. Copies of every letter sent are attached below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I received a letter from Jefferson CapitaXXXX claiming I owe {$1200.00}, offering settlement options. I think they have been calling according to my wife, whom as asked them to stop on numerous occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I made a payment for {$52.00} on my loan. I got email confirmation from it and that it was processing and then that I was confirmed. When I checked back on the website it said I was past due and I owed money. So I paid it again on XX/XX/XXXX for {$150.00} to make sure I wasnt get late dues or affecting my credit score. 
I then received an email on XX/XX/XXXX saying the payment had posted on the website. It hadnt, I went back and checked it says that my payment was reversed. 

I do not want this to affect my credit score when I have proof I am paying my loan on time. 
I also tried to make payment on these days as well on XX/XX/XXXX for {$150.00}, XX/XX/XXXX for {$150.00}, XX/XX/XXXX {$150.00} and XX/XX/XXXX for {$150.00}. I reached out then and never heard anything. I assumed since loans were paused at the time it didnt matter and maybe that is why they were being reversed. 

I never had a problem paying my loan before and I have always been on time until the loan payments were paused now I can not pay them and I would like to be finished with them and not affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid a leasing fee to a rental agency for an apartment. However, due to a XXXX job loss, I couldn't move in. I immediately informed the agency, resulting in the cancellation of my lease agreement. 

At that point, the agency did not refund my deposit. Several months later, on an unspecified date, I unexpectedly received a deposit refund from the company without any explanation. 

However, it wasn't until XX/XX/XXXX, almost XXXX years later, that the debt XXXX contacted me, asserting that I owe money. Interestingly, they had initially contacted XXXX XXXX, not me, back on XX/XX/XXXX. 

This raises concerns because they did not attempt to make contact with me until XX/XX/XXXX. This delay in notification, along with the absence of a validation notice, may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ). These laws require a debt collector to provide a validation notice within XXXX days of their initial contact regarding a debt. 

Moreover, it's important to note that on XX/XX/XXXX, before providing me with any validation notice, they reported this debt to the credit bureaus. This sequence of events has raised questions about the legality of their actions and the validity of their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : Dispute of Collection Status Accounts on My Credit Report Account Number : XXXX ( XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number XXXX XXXX ( XXXX XXXX ) I am writing to dispute several collection status accounts on my credit report, specifically the accounts listed above. I have reviewed my credit report and have identified several issues with the information that has been reported, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that you investigate and rectify these inaccuracies promptly, as well as remove these accounts from my credit report. 

The basis of my dispute is as follows : Incomplete and Inaccurate Information : Upon reviewing my credit report, I have found that the information associated with the mentioned accounts is incomplete and inaccurate. It is crucial that the information reported about my financial history is accurate, as it directly impacts my creditworthiness and financial opportunities. 
I kindly request the following actions be taken : Verification of Accuracy : I ask that Experian, XXXX And XXXX investigates the accuracy of the information reported for these accounts, including verification of the account balances, dates, and any other relevant data. In the event that any inaccuracies are found, I request that they be corrected immediately. 
Removal of Inaccurate Accounts : If it is determined that the reported information is indeed inaccurate, I request that these accounts be promptly removed from my credit report. 
I want to highlight that inaccurate information can have a substantial negative impact on my credit score, which can affect my ability to obtain credit, housing, and employment opportunities. Therefore, I kindly request that you expedite the resolution of this dispute.

I will also be copying the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office on this correspondence to ensure that the appropriate regulatory authorities are aware of my concerns and that my rights as a consumer are protected. 

I look forward to a timely resolution of this dispute and the prompt removal of the inaccuracies from my credit report. Please acknowledge the receipt of this dispute in writing and provide me with a case number for reference.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DigniFi
State: TX

Complaint narrative:
I opened a XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX to use to charge {$2000.00} towards the purchase of a motorcycle. 

I paid the entire {$2000.00} in XX/XX/XXXX. The card was at that point at a XXXX balance. 

I have never used the card since. In fact, I don't even have a physical credit card. 

On XX/XX/XXXX the account was charged {$59.00} as an annual fee. I wasn't aware of this charge and became aware of it in XX/XX/XXXX. By that time, the company had added a late fee and interest. The total amount on the card was {$80.00}. I paid that balance off on XX/XX/XXXX. 

On XX/XX/XXXX I sent a certified letter to XXXX XXXXXXXX XXXX XXXX instructing them to close my account. I received a certified return receipt from them. 

On XX/XX/XXXX XXXX XXXX Credit Card started to text me about a balance due, but my phone reported it as spam. I logged into the XXXX XXXXXXXX XXXX XXXX account and found that they company had once again charged the account an annual fee of {$59.00} plus a late fee and interest. The total amount they say is due is now {$80.00}. 

However, I requested account to be closed in XX/XX/XXXX, and therefore, I should not be charged a fee. The company clearly did not follow my instructions to close the account. 

I called them today ( XX/XX/XXXX ) to ask them about this. They told me I could only close the account by calling them. This seems ridiculous. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 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: MD

Complaint narrative:
I have a couple inquiries XXXX XXXX XXXX from this company I dont remember where this inquiry came from. When I did the credit card it was to see if I can be pre-approved and stated it wouldnt affect my credit. I have contacted transunion but they have yet to remove these hard inquiries after a dispute

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian was sent a letter and dipsute XX/XX/2023 should have received a letter from me explaining and filing a complaint in regards to items that i deemed not to be mine. They have yet to respond and it feels as though they are taking my complaint lightly.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I looked at a Capital One Venture credit card. I didn't like the APR, and I never arrived at the approval screen. Thus I was surprised to see that the card had been shipped to me without my consent. 

When I called to ask about this, the agent asked me to " admit '' that I had opened the card. I told her I never saw a button to give my consent. I asked her to close the account, which I told her I particularly wanted to do given the rude way in which she treated me as if I had done something wrong or was on trial. I am concerned that this experience will affect my very good credit score. The CapitalOne Venture card site is very misleading, even for well-informed customers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-10-31 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:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

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 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 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 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 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 2023-11-01 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: FL

Complaint narrative:
XXXX and Equifax have been contacted a few times mainly by email and phone in requesting a dispute ; in regards to removing a bankruptcy from my report. The other two bureaus removed this file ; in which, it was placed without my consent. Verification was provided to both XXXX and Equifax to inform them I am who I said I am. However, the file still remains on my report. The court system has stated they do not report to credit reporting agencies with this type of information. This is labeling me as a high risk, higher interest rates, additional deposits, and more. XXXX buy this type of information from databases, and place them on reports without the individual 's consent. This becomes a breach of the privacy of others. I will be in the process of obtaining funding and purchasing a property, and I will not for this to be a blockage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: OH

Complaint narrative:
I have mailed copies of my current and only address and correct spelling of my full name and date of birth and current job and nothing is correct or updated it also has missing information.. example my full date of birth and current job

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 2023-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had lost my phone while on vacation. I thought it may turn up in my Rv. Till I noticed a message on my tablet that {$2700.00} was transferred to someones account. I notified cash app immediately and told them I had lost my phone and somehow someone was able to do this transfer. I told them to freeze this guys account till they figure it out. They did nothing. Took the complaint and then notified me that I had done it or someone I authorized to do it. And thats not true. I made a police report. I contacted cash support again. They informed me theres nothing more they can do. Theyre not a bank. Theyre not subject to rules and regulations of a bank and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: FL

Complaint narrative:
I XXXX XXXX Currently have fraudulent accounts and inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX sent me a letter claiming I owed them {$270.00}. They have also been calling according to my wife, I've never heard of this company whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I XXXX XXXX currently have fraudulent accounts and inquiries appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: DC

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-10-31 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: DC

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: OH

Complaint narrative:
Equifax refuses to respond to the statement in my letter that includes consumer law! They have ignored the laws that govern them and have not given any explanation or rebuttal against my findings. 

I need the CFPB to hold Equifax accountable for their negligence! I have accounts and inquiries that are not supposed to be on my credit report and they need to comply with the laws that govern them as stipulated in MY LETTER! 

Otherwise I will have no choice but to involve court!

Company response to consumer: Closed with non-monetary relief