vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: DE

Complaint narrative:
I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were made without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$190.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5000.00} Inquiries : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: DE

Complaint narrative:
I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were made without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts : XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$190.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5000.00} Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding an account with Agua Finance that is being reported on my credit report. Despite making payments for many years, the balance on this account has never decreased. Attempts to contact the company for clarification have been unsuccessful. The provided phone numbers do not work, and representatives have become unresponsive. Additionally, Agua Finance promised consistent monthly supply as part of the agreement, but they failed to deliver on this promise. 

This situation appears to involve fraudulent activity, and it is negatively impacting my credit report and overall financial standing. 

Relevant Credit Laws : Fair Credit Reporting Act ( FCRA ) : Under FCRA ( 15 U.S.C. 1681 ), credit reporting agencies and furnishers like Agua Finance are required to ensure the accuracy of the information they report. Reporting a stagnant balance on an account despite consistent payments violates the obligation to maintain accurate records.

Fair Debt Collection Practices Act ( FDCPA ) : If Agua Finance or any third party involved in collection activities has made misleading statements or failed to provide accurate information regarding the debt, it is a violation of FDCPA ( 15 U.S.C. 1692 ).

Consumer Financial Protection Act ( CFPA ) : The companys failure to honor its contractual obligations and unresponsiveness may constitute unfair, deceptive, or abusive acts or practices under CFPA ( 12 U.S.C. 5531 ).

Requested Actions : Investigation : I request that the CFPB investigate Agua Finance for its reporting practices, lack of transparency, and potential fraud.

Account Update : Require Agua Finance to update my account to reflect a XXXX balance, considering my years of payments and their failure to meet contractual obligations. 
Correction to Credit Report : Direct the credit reporting agencies ( XXXX, XXXX, and XXXX ) to update my credit report to accurately reflect the resolved status of this account. 
Written Communication : Mandate that Agua Finance provide all correspondence and resolution details in writing to ensure accountability and transparency.

Enforcement Action : If fraud is confirmed, hold Agua Finance accountable for its actions, including any penalties or restitution to affected consumers.

This ongoing issue has caused significant harm to my credit and financial well-being. I trust that the CFPB will address this matter promptly and ensure compliance with federal laws to protect consumer rights. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Sued me XXXX XXXX XXXX I responded requesting documents and proof etc heard nothing judge XXXX XXXX date then attorneys set it off then when rescheduled I was never emailed and or notified of updated date and after seeing this judgment paperwork they continued XXXX different times and then set date for XXXX which is obviously XXXX XXXX  timeframe which I travel at the holidays and wouldnt have been here plus it says court had XXXX  call with attorneys which I dont use much but I know Id need some type of code or login for zoom call plus the date and time therefore judge ignorantly grants judgement to them in XXXX and now they have XXXX years later went back to XXXX XXXX and filed to sieze my bank acct and some property and again not one notice, email or call just woke up to every XXXX in my bank stolen leaving me no gas money to get to work, food and auto insurance pymt due tomorrow and now will be illegal without ins also wife XXXX myself and XXXX kids and not a XXXX to my name and once I submit paperwork to court today will take 10 days to get court date whenever it may be XXXX XXXX weeks away my mortgage is due and wifes check would cover that today but acct seized so that money also stolen so no funds coming for XXXX weeks we are going to lose everything now and worst part is back in XXXX when this acct went negative I told XXXX my wallet was stolen and XXXX XXXX XXXX charged fraudulently but all they did was cancel acct when pymt missed while I disputed and now we are here. I had the acct for 5 years in good standings until this happened then covid Im self employed basically unemployed now Im a XXXX  from when I was XXXX over XXXX yrs ago but cant get just any job and good pay but these scenarios only put me further behind and lose more money and property

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
Loan XXXX - Request for PIM to be removed Hello, I have repeatedly requested my XXXX be manually removed under the Homeowners protection Act of XXXX and under Hud Guidelines. My XXXX is well under 78 % and can be annually removed. I have attached my home appraisal showing my house value {$510000.00} with value continuing to increase, of my current home loan is {$280.00}, XXXX. 

I refinance my loan in XX/XX/XXXX to my current provider. I have met all Federal and Hud requirements that continue to be quoted as the reason for not removing the XXXX. According to Hud, You can also request to remove private mortgage insurance ( PMI ) from your loan when the principal balance of your mortgage is scheduled to fall to 80 % of the original value of your home. To request cancellation, you must : Make a written request to your servicer Have a good payment history and be current on your payments Certify that there are no junior liens ( such as a second mortgage ) on your home Meet your servicer 's conditions, which may include providing a proof of value appraisal Thank you for your time.

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 2024-12-13 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: MA

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
I have never received any paperwork or phone calls regarding this debt. It's in collections on my consumer reports but I have no knowledge of this debt at all. I am unable to contact them to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: NC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Capital One is reporting on my XXXX Credit report that an account is " Account charged off. {$7100.00} written off. {$7100.00} past due as of XX/XX/year>. '' This is inaccurate because according to the IRS Cancelled debt ( charge off and write offs ), one must report any taxable amount of a canceled debt as ordinary income. 

Since this is income that I need to report to the IRS on my income tax, this shouldn't be reported on my credit report as a collectible debt since Capital One already took a tax write off for this. Therefore, it's an inaccurate reporting as " charged off and written off '' and it should be removed from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: TN

Complaint narrative:
on XX/XX/year> i received my ss check deposit and was unable to use the card and after well over 2 hours plus hold time I was connected with an agent who asked me for my name social security number and address as well as a phone number I was then informed you card has been locked due to failure to verify and I know for a fact that's not true and so I asked what do I need to do now so I sent them the info they request wich was my driver 's license and my social security card both front and back and I had my son email pictures as instrcuted to the email address they provided they responded with we need more information so I called them back and yet again a 2+ hour hold I was told oh you sent them wrong don'tscan them just send a regular picture and yet again same result they were denied and additional information was requested again so I called again and 2+ hours later another agent tells me oh ill get you my manager so the manager tells me that oh you have to fax them in I'm not faxing that to them I have submitted documents that are more then sufficient and so I want the hold removed from the account and I want the funds direct deposited into my bank account and I want direct express to accept the documents that have been submitted on multiple occasions and I refuse to jump through anymore hoops I have provided all of the info that I have available to me to get my account unlocked

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I'm writing to express my deep concern about the lack of my credit information from your bureau. As a careful customer who regularly examines their credit profile, I am concerned about the recent discovery that crucial information appears to be missing from your records. Despite my proactive approach to managing my finances and making timely payments on all accounts, I have faced major challenges as a result of the absence of my credit data from your bureau. This has not only caused annoyance, but it has also left me in a hazardous position, particularly in light of recent financial transactions and loan applications. I have made repeated attempts to resolve this issue through your customer support channels, but the process has been lengthy and inefficient. As a result, I am experiencing unnecessary obstacles to receiving crucial financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Skrill USA, Inc.
State: GA

Complaint narrative:
I originally filed a complaint against Skrill.com in the past, and my problem was partially resolved allowing me to use my PC for it only. Today, my Skrill account was randomly closed, I believe it was closed in retaliation for my original CFPB complaint. I do not wish to contact their support as they are next to useless, and only higher level reps seem to be able to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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 am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. These items are fraudulent and resulted from a data breach. I did not authorize these accounts or inquiries, and they should be removed under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : 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 EQUIFAX MORTGAGE SERVI - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. These items are fraudulent and resulted from a data breach. I did not authorize these accounts or inquiries, and they should be removed under 15 U.S.C. 
1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have contacted all XXXX credit reporting bureaus and XXXX XXXX, they continue to report the date of the last payment of XXXX, which is completely incorrect i have asked numerous times for proof and all I get is my credit report showing no status from XXXX forward, until XXXX when they show collection, but they continue to report XXXX as last payment.

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