vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 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: IN

Complaint narrative:
In In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I saw a copy of my credit report and noticed that i had fraudulent account on my report. Please remove these accounts 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 non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I owed the company Amscot for a cash advance. I went down there in the end b of XX/XX/2023 they asked when I can pay it back I said C in C about a week or so. Then a couple days later on XXXX XX/XX/2023 they deducted the {$440.00} from my checking account without my permission to do so at that time. During other instances I had outstanding payday loans so they decided to call every day and every other day demanding to speak to n m fr and leaving over XXXX voicemails on my voicemail box

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am requesting the removal of the FRAUD ALERT FROM MY CREDIT REPORT. THE NUMBER ON MY CREDIT PROFILE IS NOT CORRECT XXXX THAT NUMBER IS NO LONG AVAILIABLE. PLEASE UPDATE MY NUMBER TO 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 non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Iam writing to file a formal complaint against freedom mortgage corporation regarding their ( agents ) XXXX XXXX XXXX at XXXX, XXXX, and XXXX XXXX XXXX regarding their involvement in a recent modification process on or about XXXX XXXX it has come to my attention that the lawyer may have engaged in serious misconduct by utilzing fraudulent documents during the proceedings, I believe XXXX XXXX XXXX are in violation of the .applicable rules of professional conduct specifically 1. Rule 8.4 ( c ) this rule states this is professional misconduct 2. Rule 3.3 ( a ) ( 1 ) this rule imposes a duty of candor on lawyers 3. Rule 4.1 this rule prohibits lawyers from making false statements of material facts or omitting material facts.i request that the CFPB conducts a thorough investigation into this matter to determine the extent of the lawyers misconduct and take appropriate action. Iam prepared to provide any necessary evidence, documentation, or witness testimony to support the investigation process. thank you for your attention to this matter, I trust in the cfpb dedication to enforcing the rules and taking appropriate action to address misconduct within the legal community. sincerely 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 2024-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My Comenity Bealls credit card has a payment due date on the XXXX of the month. I always pay the statement balance on the XXXX. On XX/XX/XXXX I paid my statement balance of {$43.00} at XXXX  XXXX. When I received my XXXX statement I had been charged a {$27.00} late fee. I immediately called Comenity to ask why. I was told that the payment had to be made on the XXXX by XXXX. I responded that the payment was made on the XXXX when it was due and it's not anywhere where the due date is located that it has to be made by XXXX. Well, she hung up on me so I called back the next day and got the same answer from a different person who told me that on the back of the statement in tiny print that phone payments must be made by XXXX. I wrote a letter of dispute to Comenity and mailed out my XXXX payment of the new balance of {$49.00} minus the late fee of {$27.00} on XX/XX/year>. On XX/XX/XXXX I received a reply from Comenity stating that I will be receiving billing statements until the balance is paid in full and at my request closed the account and also reported me to the 4 different credit bureaus. Seeing that the XXXX is my payment due date, I reluctantly went to the Bealls store in person to pay my {$27.00} late fee. The tiny print on the back of the statement states that you can pay your bill on your due date at the store until it closes. If I had made a phone payment I would have been charged another late fee and more than likely interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
i was given the {$100.00} prepaid Visa Card by XXXX card as a gift last year. I have tried to sue it to purchase items online, and was rejected. Tried to go to securespend.com and get my balance information, and it says try again later. i tried calling the XXXX number on the card and it told me to type in a number and it then said it was not the right number and it disconnected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Someone has applied to a credit report on XX/XX/year> that was not me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am making a notice to this credit card that the charges were run up to nearly {$6000.00} by my husband to spite me as I am going through a divorce and overall difficult time. I had to move back with my parents and I simply can't make the necessary payments. I request that the authorized user come off if he has not already. If there is a reasonable settlement that can be offered, please call me at the posted phone number and I will give you my divorce attorney 's contact information. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Last year XX/XX/XXXX I closed my mortgage, payment fixed XXXX, This year XX/XX/XXXX The mortgage company sent me a message tell me my mortgage payment going to be XXXX, When I call they said the company who does my escrow did it wrong so I have to pay the difference. is that something? I have been struggling to pay my mortgage never missed a payment now they add almost {$600.00} on top of my regular payment. 

People who that they profession, make they mistake I shouldn't be the one who paying for they mistake, weeks before we get to the close document passed on to many hands before closing no one seeing it. 
I think they try to kick me out so they can get advantage on me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: Radius Global Solutions LLC
State: IL

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discuss a 1099-C ( discharge of debt ) form that was accepted by the IRS. XXXX informed me that they have no knowledge of the 1099-C form and also that they are no longer responsible for the debt. 
I asked them to confirm that if i wanted to settle the debt with them, would they be able to accept payment and close out the debt, they said NO, I would no longer be able to settle debt with them because this debt has been transferred to another debt collection agency. 
I asked them why are they still reporting against my credit if they are no longer responsible for my account and they said they couldn't discuss the debt on my account because they no longer handle the account. 

I've never received a letter, email or phone call from the new creditor Radius Global Solutions to this day and recently I recognized a credit inquiry from Radius Global Solutions that I did not authorize. This violates 15 USC Code 6802 Obligations with respect to disclosure of personal information states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. 

I emailed Radius Global Solutions on XX/XX/XXXX and still have received no form of communication from them. Per FCRA 611 ( a ) ( 2 ) ( b ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer. 

I disputed the debt reported by XXXX XXXX XXXX to all 3 credit bureaus ( XXXX, XXXX, XXXX ) and XXXX responded to all 3 bureaus validating the debt as valid and correct. The same debt that they will talk to me about over the phone or accept payment because they no longer " handle the account ''. 

XXXX XXXX XXXX XXXX Radius Global Solutions are not only deceiving me but also the credit bureaus and directly destroying my credit score by reporting false negative debt. The negative information associated with this invalid debt is damaging my credit score and ability to obtain financing. 

XXXX XXXX XXXX is actively reporting negative debt that they are no longer the collectors of. Radius Global Solutions has not responded to my validation letter and is not the collection agency reporting the debt. I have 1 debt and am being tossed back and forth between 2 collectors. 

I never signed any agreement or promise to pay XXXX XXXX XXXX or Radius Global Solutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: NY

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$510.00}. 
I am a victim of identity theft and I never opened this account. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXXXXXX XXXX XXXX XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$510.00}. 
I am a victim of identity theft and I never opened this account. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXXXXXX XXXX  XXXX XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the inaccurate closed accounts listed on my credit report. After reviewing my credit report the information regarding these closed accounts is inaccurate and should be removed. The company failed to send a 1099c form from the IRS, the cancellation of debt form was not received. Under FCRA 15 U.S.C. 1681e ( b ) this company violated, and the agencies are required " to follow reasonable procedures to assure maximum possible accuracy. 

Upon checking my credit report I have found these inaccurate 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
On XX/XX/2024 I reached out to Fair Collections & Outsourcing INC. I informed that I was willing to pay the debt for deletion off my account. Although I never confirmed that I was accepting ownership of account, I wanted to pay for debt in full to have removed or all tenant and credit bureaus updated showing paid in full. This company has failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been banking with wells Fargo since XX/XX/year>. I receive paper checks at my place of employment and do mobile deposit. I had no issues what so ever until one day I woke up and my account was negative over {$1000.00}, and then it continued about every week. I contacted wells Fargo immediately when it first happened and continued to do so until I just gave up when I realized they were no help. Initially they could not even tell me what was going on they thought I wrote a check from my account that bounced. That was not the case, they eventually said the checks that I had cashed from my employer, where then cashed else where. Which I do not see as my problem!? MY CHECKS from my emoloyer in MY NAME deposited into My account which all match up, where somehow accessed and cashed into a XXXX XXXX XXXX account which I do not have so can not possibly be in my name so there for the person who is committing fraud should be in the negative, not me! Wells Fargo would not even temporarily credit my account to investigate the situation or anything just now consider I owe it and have collectors calling me when this is something I feel is there fault! How did you not protect your customer from fraudulent activity how could you not try and dispute this with the other bank involved when everything in my name is in wells Fargo? Im {$4300.00} negative in my account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: SC

Complaint narrative:
I have a new negative account that has shown up on my credit report and it says the original debtor was XXXX, and it is now being reported by Jefferson Capital System. I have never had any association with or done any business with XXXX or any affiliated company. This account states it was originally opened in XX/XX/year>, but is already in collections three months later. I've already tried filing a complaint through XXXX with no answers. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: PA

Complaint narrative:
I was a victim of identity theft i filed all the necessary documents to have fraudulent accounts removed from my report and they were removed. 2 days later 1 of these accounts reappeared on my report incorrectly as 15 USC 1681 c-2 clearly states, ( a ) Block a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.. so its not enough for the reporting agency to only delete this information but congress states they should also provide a block of the reporting of these fraudulent accounts. 
The account that reappeared is XXXXXXXX XXXX account # XXXX i demand that this company block and delete this account in accordance with the law. Ive reattached the ftc report as well as the police report and verification of my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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:
I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within XXXX  days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants. 

XXXX XXXX XXXX XXXX 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 non-monetary relief