vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AUSSRQ Holdings, LLC
State: NJ

Complaint narrative:
Date reported on my credit report was XXXX XXXX. 
The amount is indicated XXXX XXXX. 
I do not know nor did I owe this dollar amount to the original creditor XXXX. 
I have written several letters to the company shown on the collection asking them to verify this debt as belonging to me. The company that is shown on the credit report is Oliphant USA , LLC XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
This debt is not mine and I have no results from my request. I want this removed from my credit report because this debt is not mine. 

Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NV

Complaint narrative:
In accordance with the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. ) XXXX XXXX XXXX XXXX XXXX {$27000.00} 2. ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX. {$15000.00} 3. ) XXXX XXXX XXXX XXXX XXXX. {$5700.00} These account have violated my rights. 
I looked at my EQUIFAX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the inform of of. ation concerning the individual about whom the report relates according to 15 USC 1681 ( E ) ( B ).

And according to 15 USC 1681 i 5 they are supposed to do this ( 5 ) treatment of an accurate or unverifiable information ( A ), in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete, or can not be verified, The consumer reported agency shall ( I ) properly delete the item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation ; and ( ii ) properly notified the furniture of that information that the information has been modified or delete it from the file of the consumer. 
And according to 15 USC 1681 s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cost to believe that the information is inaccurate. 
Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
On XX/XX/year>, numerous transactions were made to my account that I did not authorize. The debit card transactions were all made in Florida. I reside in Wisconsin and can provide proof that I was in WI on the date in question. 
1. XXXX payment to Reversal XXXX {$1000.00} Transfer ID XXXX a. This transaction was investigated by your ACH dispute team and was found to be an unauthorized transaction and the money was returned to me. 
2. XXXX payment to XXXX XXXX- {$500.00} XXXX ID XXXX a. This transaction was also investigated by your ACH dispute team and was found to be an unauthorized transaction and the money was returned to my account. 
3. Payment to XXXX XXXX- {$500.00} Transaction ID XXXX a. This transaction was returned within XXXX hours of my dispute. 
4. XXXX XXXX  - {$150.00} Debit transaction ID XXXX a. There is also a terminal ID XXXX b. This dispute was determined to be an authorized transaction XXXX XXXX DID NOT authorize this transaction XXXX. XXXX XXXX # XXXX {$210.00} - XXXX XXXXXXXX XXXX  - Debit transaction ID XXXX a. Terminal ID XXXX b. This dispute was also determined to be an authorized transaction XXXX XXXX DID NOT authorize this transaction XXXX. XXXX XXXX XXXX - {$1.00} XXXX XXXXXXXX XXXX XXXX  Debit XXXX ID XXXX a. Terminal ID XXXX b. This dispute was also determined to be an authorized transaction XXXX XXXX DID NOT authorize this transaction XXXX. XXXX XXXX XXXX - {$850.00} XXXX XXXX XXXX XXXX Debit XXXX ID XXXX a. Terminal ID XXXX b. This dispute was also determined to be and authorized transaction XXXX XXXX DID NOT authorize this transaction I WAS NOT and have NEVER been to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am on the XXXX plan with XXXX, XXXX, and XXXX out of XXXX payments made on my loans since XXXX or XX/XX/year>. I placed a request to change my IDR plan to Income contingent repayment on XX/XX/year>, and a request to be placed into a processing forbearance. I have placed a buyback request on XX/XX/XXXX which has not been processed yet. My expected date of forgiveness is XX/XX/year>, it has been over six months with no progress from the Department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and anxiety while severely impacting my financial stability and everyday wellbeing.

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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/year> PORTFOLIO RECOV ASSOC XXXX, XXXX  XXXX Subject : Debt Validation Request Regarding Account Number Dear PORTFOLIO RECOV ASSOC, I am writing to request validation of the debt referenced above, which appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of any alleged debt. Please provide : 1. **Proof of the debt** : Documentation verifying the amount owed and the original creditor. 
2. **Verification of your authority** : Evidence that you have the legal right to collect this debt. 
3. **Detailed payment history** : Including any payments made and the outstanding balance. 

Pending your response, I request that you cease all collection activities and refrain from reporting this debt to credit bureaus. If this debt can not be validated, please remove it from my credit report and inform me in writing. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Account Closure and Poor Service Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Mercury Bank regarding an unacceptable account closure and lack of communication during a critical period. Below is a detailed description of the issue : On XX/XX/XXXX, I deposited a check through Mercurys mobile banking platform. The next day, I received an email instructing me to endorse the back of the check with For deposit only to Mercury Bank. I complied promptly, and the bank confirmed that the check had cleared. 

However, just a few days later, Mercury Bank suddenly closed my account without providing any explanation. I was not informed whether the funds from the check were successfully deposited. 

This incident occurred during an already challenging period. My business address is located only XXXX miles from the recent wildfires in XXXX XXXX, forcing us to shut down operations temporarily. The funds from the check were essential to maintaining my business during this time. 

Additionally, since the check was marked for deposit only to Mercury Bank, I am now unable to deposit it into another bank. This has caused significant financial hardship. 

I reached out to Mercurys support team via email to explain my situation, but it took them over a week to respond with no helpful information. Despite my efforts to contact their customer service by phone, I was repeatedly told that their policies do not allow for direct assistance and that I must communicate exclusively via email. This level of customer service is unacceptable, especially given the circumstances. 

I respectfully request that Mercury Bank : 1. Provide a detailed explanation for the account closure. 
2. Clarify the status of the check deposit and release any funds that were deposited. 
3. Improve their customer service processes to accommodate urgent cases like mine. 

I would appreciate your assistance in resolving this matter as quickly as possible. Thank you for your time and understanding. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2025-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
I have contacted the debt collector to receive information from charged off account, the Account History Information and any signed contract between myself and the debt collector. Stating that I owe them the debt. I have also reached out to the credit bureaus for three months, to fully investigate the closed accounts being reported to my credit. I have not received any update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2025-01-14 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: CT

Complaint narrative:
I am refiling this complaint to TRANSUNION for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, unauthorized inquires are reporting on my credit report and they are not reporting accurately. I have filed an FTC report which I included here with report numbers XXXX, XXXX and XXXX for your reference and as proof

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 2025-01-14 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: NJ

Complaint narrative:
I am filing this complaint due to significant inaccuracies in the personal information reported by Clarity Services on my consumer report. These errors include incorrect details regarding my name, address, employment history, and driver 's license information. These inaccuracies are causing a misrepresentation of my identity, which could potentially affect my financial standing and access to credit. 

I am requesting that Clarity Services conduct a thorough investigation and correct these errors to ensure that my consumer report accurately reflects my personal information, as required under the Fair Credit Reporting Act ( FCRA ). I have attached supporting documents that clearly verify my correct information and expect this matter to be resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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 sent TransUnion my updated DL and Social Security Card I am asking that they delete the name XXXX off of my report. The name is connected with Identity theft from my ex-husband, and others who keeps using the name to obtain fraudulent accounts

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 2025-01-14 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: KY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : laightstream - XX/XX/year> -TransUnion

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently went through my report and found some inquiries from various creditors that I did not approve. This raises concerns for me, as they could be related to identity theft or fraud. I would appreciate it if you could look into these inquiries and remove them from my credit report if they can't be confirmed as authorized. I've included my letter to the Bureaus, yet these inquiries still appeared on my current 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 2025-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
On or around XX/XX/year>, XXXX  XXXX XXXX XXXX repossessed my vehicle. They are now reporting a charge-off amount of {$26000.00} on my credit report. However, there are significant inconsistencies and issues with their handling of this account : 1. Inconsistent Reporting : The charge-off amount changes every time I submit a dispute, raising concerns about its accuracy and validity. 

They also report different payment amounts for the same months or for different months, making it difficult to track what has been applied to my account. 

2. Failure to Provide Supporting Documentation : XXXX  XXXX XXXX XXXX has not provided any documentation to validate the reported charge-off amount. 

They have failed to issue a 1099-C form, which is required if the debt was forgiven or canceled. 

I have also requested a statement showing all payments I made, along with a detailed breakdown of the charge-off amount, but they have failed to provide this information. 

3. Failure to Send Required Notices : XXXX  XXXX XXXX XXXX did not provide a default letter of repossession or any formal communication outlining the repossession process or charge-off details, leaving me without the ability to address or verify the issue effectively. 

4. Negative Impact on Credit Report : The inaccurate and inconsistent reporting of this charge-off has severely impacted my credit score, preventing me from obtaining another auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: NV

Complaint narrative:
I paid off this card on XX/XX/XXXX, I followed by paying off the {$15.00} service fee on XX/XX/XXXX. Thus making my balance {$0.00}. I have not used it since due to their increasing the interest rate to 35 %. 
On XX/XX/XXXX I checked my app dashboard and saw there was a balance of {$26.00}. 
On XX/XX/XXXX I called about this charge and when I asked for a supervisor, I was given the runaround and then told a supervisor would call me back by the end of the day. No one called. I locked the card On XX/XX/XXXX I called again and was again told supervisor wasn't available. I said I do not want a call back, we tried this yesterday, I'll hold. The supv finally answered XXXX minutes later and said she could not see any charges either and will turn this into the complaints department and someone would get back to me. I closed this account due to the terrible customer service I have received every time I've called since I got the card and I no longer trust this company. No one ever called. 
On XX/XX/XXXX I checked the dashboard before I called again, balance was still there and transactions were there. They were charges from California and XXXX XXXX. I did not make these. So I called again and XXXX minutes later got supervisor XXXX who transferred me to card services after encouraging me to pay the fraudulent balance. Card services stated they couldn't help me because the account was closed, encouraged me to pay the balance and transferred me back to customer service. Next I got XXXX the supervisor who stated I had to wait XXXX business day to get a confirmation of the complaint being filed. I said meanwhile that balance is going to rack up charges that you will place on my credit. She also encouraged me to pay the fraudulent balance. So I told her No thanks I will just file a complaint with CFPB, have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MA

Complaint narrative:
I am a victim of identity theft, and Equifax has failed to block fraudulent information from my credit report despite receiving my documented request on XX/XX/year>. The fraudulent account ( XXXX XXXX, account number XXXX XXXXXXXX ) has caused my credit score to drop by nearly XXXX points. Using the template provided by the FTC, I provided Equifax with all the relevant information, including documentation such as a complete identity theft report ( FTC Report # XXXX ), a police report ( # XXXX ), copies of my identification, and a copy of FCRA 605B, which requires them to block the reporting of identity theft within XXXX business days. I have made every effort to cooperate and follow proper protocol, yet Equifax has not acknowledged or acted on my request, leaving me with damaging and untrue information on my credit file.

Company response to consumer: Closed with explanation