vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Name - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I don't recall having a contractual relationship with this collection company I.C. SYSTEM, INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercury Financial Intermediate LLC
State: OR

Complaint narrative:
Mercury Card company takes auto payments without crediting the account costing over credit charges etc unfairly. Then proceeds to lie saying the payments never go through by doubling the following payment to deceptively force me to pay 40 % of total amount due within 30 days! 

Total amount due XX/XX/XXXX = XXXX Returned payment charge XXXX XXXX {$40.00} Payment of {$120.00} XX/XX/XXXX = processed but not credited Auto payment XX/XX/XXXX = {$210.00} without credit to account How can minimum payment go from {$120.00} in XXXX to {$210.00} when the card has not been used in over a year and the company is not crediting my account for payments made?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I pulled a copy of my credit reports and noticed an erroneous account that need to be immediately DELETED. 

MONEYLION has violated my consumer rights clearly outlined in 15 USC 1681. 
As a federally protected consumer, I am well aware of my rights and more specifically my RIGHT TO PRIVACY within 15 USC 1681A ( 4 ). 

Account in question : MONEYLION- XXXX Re : Form 1099-C Cancellation of Debt I am writing to you regarding a matter of utmost concern regarding the inaccurate reporting of a charge-off on my credit report attributed to your agency. Upon reviewing my credit report, I discovered a charge-off entry which, according to the IRS, constitutes debt that has been discharged and subsequently utilized for tax benefits by your agency. It has come to my attention that your agency has been unlawfully reporting this information on my credit report, while simultaneously attempting to collect on the debt or maintaining a charged-off status. 

As per the guidelines provided by the IRS, such actions amount to tax fraud, a serious offense which I am prepared to report should this matter not be rectified immediately. I hereby exercise my right to demand the immediate removal of this inaccurate information from my credit report. Additionally, I require you to provide me with a copy of the Form 1099-C related to this debt, to be sent to the address provided above or via email at your earliest convenience. 

It is evident that your agency has violated the maximum accuracy standards outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ). By reporting information that is demonstrably not 100 % accurate, your agency is in clear violation of federal law. Continuing to report this inaccurate information would only exacerbate the situation and would constitute willful violation of various provisions under 15 USC 1681s-2. Your company is also setting itself up for a civil liability suit under 15 USC 1681n for negligible non-compliance with a possible {$1000.00} expense for each violation as well as a suit under 15 USC 1681o for negligible non-compliance with even higher resolutions. 

Moreover, I have been directed by the IRS to file Form 3949A for illegal tax violations against your company in order to address this matter. I trust that neither you nor your Executive VP would desire to engage in legal proceedings over such blatant transgressions. 

I hereby demand that you take immediate action to notify the credit bureaus to DELETE this erroneous information from my credit report without further delay. 

Failure to comply with this demand will leave me with no choice but to pursue all available legal avenues to ensure my rights are upheld and justice is served.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: IL

Complaint narrative:
On XXXX XXXX XXXX I logged into the 3 Credit Burea accounts and realized I had unauthorized fradulent inquries on my accounts. 
On XX/XX/XXXX I reached out via phone to Equifax, XXXX, & XXXX and all of them told me that there was nothing I could do about these unauthorized inquiries on my account. 
On XX/XX/XXXX I filed a online dispute on Equifax. 
On XX/XX/XXXX it was denied. 
On XX/XX/XXXX I filed my report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Novo Platform Inc.
State: LA

Complaint narrative:
they took my money all of it I owe them nothing no loans no fees nothing and they took my money out the account and froze me out there is no other way to explain it they literally did just that and wont tell me anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: NE

Complaint narrative:
On XX/XX/24 I called Credit Collection Services to pay on my collection. I had two files. One of which was for the amount of XXXX and the other was for a little over {$3000.00}. I agreed to pay off the file of XXXX at that time. I paid the XXXX by check by phone on that day. In calling back Credit Collection Services, I was told that I had XXXX files still and that the payment that I had made for the XXXX was divided up and an amount was paid to both of the files. This is not what I had authorized, and it was corrected. On XX/XX/24 I called Credit Collection Services and they gave me an offer of paying XXXX to satisfy the remainder of the collection which I did at that time by paying with a check by phone. 
On XX/XX/XXXX, my lender had each of the credit bureaus call to get verification that the debt had been paid and XXXX was told by Credit Collection Service that my account was still active and owed. I am attempting to buy a house which I prequalified for and am now not qualifying for as Credit Collection Services rereported my collection and refuses to take it off of my credit report even after I requested a " good will '' deletion. I feel that Credit collection Services has treated me unfairly and unjusticely. I request that this collection be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-05-21 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: TN

Complaint narrative:
Listed below are fraudulent inquiries using my name and social security number without my content. Resulting in identity theft. Could you investigate this and delete these fraudulent accounts from my credit report? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
I am writing to inform you of my intention to pursue legal action against Credit Corp Solutions for its flagrant violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically sections 15 USC 1692 805, 806, 807, 808, and 809. Despite numerous attempts to rectify the situation, Credit Corp Solutions has persistently engaged in deceptive, abusive, and unfair debt collection practices, thereby breaching federal consumer protection laws. 
On multiple occasions, I have been subjected to harassing and abusive communications from your company, both through phone calls and written correspondence. These actions not only violate my rights under the FDCPA but also demonstrate a blatant disregard for ethical debt collection practices. Furthermore, your attempts to mislead and intimidate me into paying an alleged debt without proper validation are in direct violation of the law. 
I have diligently documented each instance of misconduct by Credit Corp Solutions, including the dates and details of communication, as well as relevant complaint IDs filed with the Consumer Financial Protection Bureau and XXXX XXXX XXXX XXXX. It is abundantly clear that your company 's actions are not only unethical but also illegal. 
Therefore, I demand that Credit Corp Solutions immediately cease all communication and collection efforts related to the alleged debt in question. Additionally, I will be seeking compensation for the damages incurred as a result of your unlawful actions, including but not limited to court costs, attorney fees, and statutory damages as provided for under the FDCPA. 
If Credit Corp Solutions fails to comply with these demands within 30 days of receiving this letter, I will have no choice but to pursue legal recourse through the appropriate channels. I am fully prepared to take this matter to court and let a judge decide the appropriate course of action.

Total Potential Costs ( State of Illinois ) : 1. Court fees : Based on Illinois fee schedule for filing a civil lawsuit 2. Attorney fees : Based on typical attorney rates in Illinois for handling FDCPA cases 3. Statutory damages : As per FDCPA guidelines, up to {$1000.00} per violation. 
Please be advised that I am prepared to vigorously pursue this matter until justice is served. 
I relevant documentation supporting my claims and all your correspondence the file is too big. 
XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Consumer Financial Protection Bureau Complaint ID - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Filed a complaint with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: IL

Complaint narrative:
On XXXX XXXX XXXX  I logged into the 3 Credit Burea accounts and realized I had unauthorized fradulent inquries on my accounts. 
On XX/XX/XXXX I reached out via phone to XXXX, TransUnion, & XXXX and all of them told me that there was nothing I could do about these unauthorized inquiries on my account. 
On XX/XX/XXXX I filed a online dispute on XXXX. 
On XX/XX/XXXX it was denied. 
On XX/XX/XXXX I filed my report with the FTC.

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 2024-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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:
I have had fraud alerts on my accounts and sent multiple letters and affidavits to companies and credit agencies. It took 7 months and multiple letters JUST to get my NAME CORRECT with all 3 Credit agencies. Its causing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: CO

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-21 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: Braviant Holdings, LLC
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XX/XX/XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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 recently reviewed a copy of my credit report and noticed I had fraudulent accountson my report.Please remove these account from my report, they are hurting my ability to obtain credit

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 2024-05-21 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, they are hurting my ability to obtain credit and it is not fair.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have three lenders that continue to inaccurately report my accounts as past due. The first lender is XX/XX/XXXX XXXX second is NEWREZ-SHELLPOINT Mortgage, and XXXX XXXX is XXXX. Despite my repeated requests and submission of documents proving that these accounts have been paid off, the credit bureaus have not updated my account statuses to reflect that they are current, paid off, and closed. 

I've taken all the necessary steps to rectify this situation. I've contacted each credit bureau individually, providing them with the necessary documentation that shows my accounts are paid off. Despite these efforts, the lenders persist in reporting my accounts as past due, which is inaccurate and misleading. 

This ongoing issue is not only frustrating but also has a significant negative impact on my credit report and, consequently, my financial well-being. The incorrect reporting by these lenders is a clear violation of my consumer rights. 

Given that my efforts to resolve this matter directly with the lenders and the credit bureaus have been unsuccessful, I have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ). I believe that their intervention is necessary to ensure that my credit report is corrected and that my consumer rights are upheld. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation