vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Contemporary Information Corporation ( CIC ) concerning their reporting of a judgment on my credit report. I have identified several violations of the Fair Credit Reporting Act ( FCRA ) that warrant immediate investigation and resolution. Details of the Complaint : **1. Re-aging of Debt ( 15 USC 1681c ) : ** CIC is reporting a judgment on my credit report, which appears to be re-aged, thereby extending the reporting period beyond the legally allowed timeframe. Re-aging a debt violates the FCRA, specifically under 15 USC 1681c, as it misrepresents the actual status of the judgment and extends the negative impact on my credit report. **2. Inaccurate Reporting ( 15 USC 1681e ( b ) ) : ** The information provided by CIC is inaccurate as it does not reflect the current and accurate status of the judgment. The inaccurate reporting of this judgment is a direct violation of 15 USC 1681e ( b ) of the FCRA, which mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they provide. **3. Use of Outdated Information to Persuade Adverse Actions ( 15 USC 1681b ) : ** CIC is using outdated information in reporting the judgment, leading to potential adverse actions against me. This is a violation of 15 USC 1681b, as the reported information is not a true reflection of my current financial status. This inaccurate portrayal can have severe consequences, affecting my ability to secure credit or make important financial decisions. **4. Discrepancies with Other Credit Bureaus : ** XXXX, XXXX, and XXXX are reporting the debt associated with the judgment as current and paid on time. The inconsistency among credit reporting agencies raises questions about the accuracy and validity of the judgment reported by CIC. I challenge the validity of the judgment and request that CIC provides proof of the accuracy of their reporting. I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into the aforementioned violations committed by CIC. I expect that appropriate action will be taken to rectify these violations and ensure compliance with the FCRA. Enclosed with this complaint, please find supporting documentation, including credit reports from multiple agencies highlighting the discrepancies in reporting. Thank you for your immediate attention to this matter. I trust that the Consumer Financial Protection Bureau will act promptly to address these violations and protect consumers ' rights. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
Cash net USA is showing in collection on my credit file. It has a dropped my scores tremendously. It is also showing up incorrectly on the balance. It also shows on XXXX bureau it shows as a debt recovery company on the other credit bureau, It shows up as a medical collection debt company. it has inaccurate dates because I did not open this account in 2023 and it said it was open in 2023. I asked them to validate the debt and they have not validated the debt as of today but it has been placed on my credit file from XXXX different collection companies and it has dropped my scores tremendously. I need this inaccurate debt and information removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When my old XXXX XXXX XXXXXXXX XXXX credit card had fraudulent charges, the account was closed and the balance was moved to a new account around the same time XXXX XXXX  merged into a new name XXXX XXXX XXXX XXXX. 

Then I received a late fee notice from " XXXX '' on XX/XX/year> stating that I owe {$40.00}. I have not idea who is " XXXX '' nor agreed with this debt. But the amount being immaterial, I paid this online through their new XXXX XXXX website on XX/XX/year> which had my old credit card account there and subtracted {$40.00} from my checking account on XX/XX/year>. 

The next month, I got another bill with added {$35.00} late fee plus XXXX interest for a total of {$85.00}. So, I paid this online again at XXXX XXXX website on XX/XX/year> and this was subtracted from my checking account on XX/XX/year>. 

After realizing that XXXX XXXX reversed {$40.00} and {$85.00}, I wrote a personal check for {$85.00} and mailed it ; that was deposited, subtracted from my checking account, and then XXXX XXXX rejected it. But I have never received any monetary refund or credit to my checking account for {$40.00}, {$85.00}, and {$85.00} ; totaled {$210.00} was kept by XXXX XXXX XXXX XXXX XXXX and I don't see where I got credit or reimbursement. 

And yet again, our credit report has been negatively affected by XXXX XXXX XXXX XXXX even after we made the payment and it's not clearing the account and stealing our money. XXXX XXXX no longer exist after the merger as it is now XXXX XXXX XXXX XXXX. Please help me resolve this as I have already made the payments, numerous phone calls, and even walked into the credit union branch.

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 2024-02-23 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: TX

Complaint narrative:
When my old XXXX XXXX XXXXXXXX XXXX credit card had fraudulent charges, the account was closed and the balance was moved to a new account around the same time XXXX XXXX  merged into a new name XXXX XXXX XXXX XXXX. 

Then I received a late fee notice from " XXXX '' on XX/XX/2023 stating that I owe {$40.00}. I have not idea who is " XXXX '' nor agreed with this debt. But the amount being immaterial, I paid this online through their new XXXX XXXX website on XX/XX/2023 which had my old credit card account there and subtracted {$40.00} from my checking account on XX/XX/2023. 

The next month, I got another bill with added {$35.00} late fee plus XXXX interest for a total of {$85.00}. So, I paid this online again at XXXX XXXX website on XX/XX/2023 and this was subtracted from my checking account on XX/XX/2023. 

After realizing that XXXX XXXX reversed {$40.00} and {$85.00}, I wrote a personal check for {$85.00} and mailed it ; that was deposited, subtracted from my checking account, and then XXXX XXXX rejected it. But I have never received any monetary refund or credit to my checking account for {$40.00}, {$85.00}, and {$85.00} ; totaled {$210.00} was kept by XXXX XXXX XXXXXXXX XXXX XXXX and I don't see where I got credit or reimbursement. 

And yet again, our credit report has been negatively affected by XXXX XXXX XXXX XXXX even after we made the payment and it's not clearing the account and stealing our money. XXXX XXXX no longer exist after the merger as it is now XXXX XXXX XXXX XXXX. Please help me resolve this as I have already made the payments, numerous phone calls, and even walked into the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When my old XXXX XXXX XXXX  XXXX credit card had fraudulent charges, the account was closed and the balance was moved to a new account around the same time XXXX XXXX  merged into a new name XXXX XXXX XXXX XXXX. 

Then I received a late fee notice from " XXXX '' on XX/XX/2023 stating that I owe {$40.00}. I have not idea who is " XXXX '' nor agreed with this debt. But the amount being immaterial, I paid this online through their new XXXX XXXX website on XX/XX/2023 which had my old credit card account there and subtracted {$40.00} from my checking account on XX/XX/2023. 

The next month, I got another bill with added {$35.00} late fee plus XXXX interest for a total of {$85.00}. So, I paid this online again at XXXX XXXX website on XX/XX/2023 and this was subtracted from my checking account on XX/XX/2023. 

After realizing that XXXX XXXX reversed {$40.00} and {$85.00}, I wrote a personal check for {$85.00} and mailed it ; that was deposited, subtracted from my checking account, and then XXXX XXXX rejected it. But I have never received any monetary refund or credit to my checking account for {$40.00}, {$85.00}, and {$85.00} ; totaled {$210.00} was kept by XXXX XXXX XXXXXXXX XXXX XXXX and I don't see where I got credit or reimbursement. 

And yet again, our credit report has been negatively affected by XXXX XXXX XXXX XXXX even after we made the payment and it's not clearing the account and stealing our money. XXXX XXXX no longer exist after the merger as it is now XXXX XXXX XXXX XXXX. Please help me resolve this as I have already made the payments, numerous phone calls, and even walked into the 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
Consumer complaint received 2024-02-23 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: KY

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: UHG, LLC
State: IN

Complaint narrative:
XXXX XXXX now held by United Holdings Group. Opened XXXX. 

Ive easily paid 2x the amount borrowed, and they still want more, even in XXXX. 

The debt has been passed around from one entity to another ( all owned by the same group ). 

The CFPB alleges that XXXX, XXXX, and XXXX violated the Consumer Financial Protection Act ( CFPA ) and the Fair Debt Collection Practices Act ( FDCPA ) by purchasing defaulted consumer debt and then placing that debt with, or selling that debt to, debt collection companies that used threats and misrepresentations to coerce payments from consumers Consumer Fin. Prot. Bureau v. XXXX, XXXX. XXXX ( W.D.N.Y. XXXX XXXX, XXXX ). 

I have been called by agents representing this company demanding money or face an arrest ( claiming they would send the sheriff to get me ). 

Family and extended family have been called and have been given case numbers and deadlines in which I would need to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Remove these fraudulent accounts from my credit report immediately! I've been a victim of identity theft, and you're required by law to block them. Take action now block and notify the furnishers, or face legal consequences. Your prompt compliance is non-negotiable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a request to correct and accurate credit report. XX/XX/year> and I'm still seeing inaccurate information.

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 2024-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma, LLC
State: TN

Complaint narrative:
We were having our tax refund to the money spending account with credit Karma but they closed the account on XX/XX/XXXX without notifying us at all. XXXX sent our refund but credit Karma said they had no record. XXXX gave us a trace number to give credit Karma but they said that there was no deposit made. My taxes were supposed to be deposited into that account on XX/XX/XXXX. I feel like credit Karma should reimburse what I have had to pay XXXX. Also that credit Karma should be under investigation on all of their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, it does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
Company : XXXX XXXX XXXX XXXX XXXX Amount : {$1400.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter.

Attached please find attached : Law Enforcement Report Proof of identity Copy of Credit Report Fair Credit Reporting Act Section 605B ( PDF )

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 2024-02-23 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 am a victim of identity theft please remove this fraud inquiry 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 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Something is not right about Portfolio Recovery Associates filing a XXXX. In XX/XX/XXXX I learned by viewing a XXXX XXXX XXXX filing that I was being sued by Portfolio Recovery Associates to pay an alleged debt. I responded to the small claims court filing with a defense document submitted after spending hours of my time learning how to do this. I was never served anything, one of my defenses. The alleged debt was a XXXX debt with known interest charge issues so I questioned the balance owed. However, the only option available to me after my response to the lawsuit filling was that I had to attend a mandatory mediation with a legal representative of Portfolio Recovery Associates. I was not prepared to defend myself. I agreed to a {$25.00} per month payment plan. Eventually the loan was paid off and satisfied. ( Payments stopped at some point with no further communication from PRA. ) It was when I received a C-1099 form submitted by Portfolio Recovery Associates I learned that the company discharged the alleged debt in XX/XX/XXXX. How can they discharge a debt that was paid off? How can they have this as my " XXXX XXXX XXXX XXXX '' debt on their books in XXXX? I also have a XXXX XXXX XXXX filed XX/XX/XXXX. It is essential that my tax filing is as accurate as possible. In the XXXX federal tax filing I am able to use the form to essentially discount the alleged debt amount and I should not be liable for a settled debt income because I paid it off. ( Plus both owed state and federal taxes from XXXX to present period makes me " insolvent ''. ) It looks to me that PRA had me on its books as a debtor. Did the company represent to the IRS that I was in debt or had a discharged debt? I am working with a tax attorney to resolve my federal tax lien and my state tax debt. Please help me identify what may be wrong. Did PRA submit a false claim to the IRS?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX is showing in collection on my credit file. It has a dropped my scores tremendously. It is also showing up incorrectly on the balance. It also shows on one bureau it shows as a debt recovery company on the other credit bureau, It shows up as a medical collection debt company. it has inaccurate dates because I did not open this account in XXXX  and it said it was open in XXXX I asked them to validate the debt and they have not validated the debt as of today but it has been placed on my credit file from two different collection companies and it has dropped my scores tremendously. I need this inaccurate debt and information removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: SC

Complaint narrative:
XXXX XXXX XXXX is showing in collection on my credit file. It has a dropped my scores tremendously. It is also showing up incorrectly on the balance. It also shows on one bureau it shows as a debt recovery company on the other credit bureau, It shows up as a medical collection debt company. it has inaccurate dates because I did not open this account in XXXX and it said it was open in XXXX. I asked them to validate the debt and they have not validated the debt as of today but it has been placed on my credit file from two different collection companies and it has dropped my scores tremendously. I need this inaccurate debt and information removed from my credit report immediately.

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 2024-02-23 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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