vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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: AL

Complaint narrative:
On XX/XX/year>, I requested removal of the charge off account currently reporting on my credit report. In response, I was told they were unable to locate the credit file for me which raises more concerns. Under the Fair Credit Reporting Act ( FCRA ) is to accurately report and maintain information on consumers ' credit files. The inability to locate my credit file does not absolve your responsibility to respond to my dispute properly and verify or remove inaccurate information. I submitted all required personal identifying information, including [ list any information you provided : full name, address, Social Security number, etc. Because Equifax can not locate my credit file, the charge-off in question can not be properly validated and should therefore be removed from any records or reports tied to my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: FL

Complaint narrative:
I had XXXX Inquiries on my report that is not mine. I contacted XXXX and explained to them what's going on and they deleted them. I'm asking that XXXX and Equifax delete these XXXX Inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
The creditor is attempting to collect a debt from me. 
Im currently an XXXX  recipient who is unemployed and homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against XXXX, Transunion, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with TransUnion regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : Account Name Account Number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my dispute, XXXX, XXXX, and TransUnion continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 
Key Violations : 1. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, XXXX, and TransUnion continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: GA

Complaint narrative:
I am filing this complaint against XXXX, XXXX, and Experian for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, Experian used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my dispute, Experian, XXXX, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations.

Key Violations : 1. Failure to Conduct a Reasonable Investigation : o Experian violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested.

o The use of E-Oscar resulted in an inadequate and incomplete investigation.

2. Failure to Provide Details of Investigation : o Experian failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o Experian, XXXX, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: WA

Complaint narrative:
I am writing to formally request that you block and delete the following account from my credit report, as I have been a victim of a data breach, and this account was fraudulently opened in my name. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information blocked and removed from my credit report. 
Fraudulent Account to Block and Delete : XXXX Account Number : XXXX Date Opened : XX/XX/year> Amount : {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
My identity was stolen and rights have been violated. Please see attachments and block and delete accounts from my consumer 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 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I open PNC bank in NC and moved XXXX but my ex and criminal friends had been stealing money account hacked my account and hacked my debit card. Tellers abuse there power and help my ex and criminal ring steal money from my account. Every time I went there mentioned my ex. My ex is their and con man and is deeply in debt with taxes and hab robbing and I'm aware but crooked employees. I want an audit done because I asked for them help me and they refused. Instead cancel my account but open another or joint in my name stolen license PNC XXXX XXXX XXXX FL. I feel based previous encounters they crooked and corrupts there are other factors but they abuse there power. All fraud. I want an invesgattion done with stolen money. My ex have other accounts in my name. I want these fount pnc and canceled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I have a Carnival Rewards mastercard with BarClays. I was looking through my statements and noticed several fraudulent transactions and reported them. I was issued a provisional credit while they investigated my claim, but soon reversed the credit because they said the transactions were valid and I benefited from them These transactions include XX/XX/year> XXXX in XXXX XXXX California for {$250.00}. 
The information provided said that the chip technology was used and can not be duplicated. I never lost that card and never gave anyone permission to use that card. I explained that I live in XXXX Michigan, and have never been to California nor did I use that card and purchase anything at XXXX XXXX. Barclays insists that I did this transaction and by insisting that I did this transaction has concluded the other transactions made in California were made by me too. These include XXXX {$5.00} transactions to XXXX XXXX XXXX XXXX on XX/XX/XXXX and one on XX/XX/XXXX. Same day the XXXX XXXX purchase was made. There was also a charge on XX/XX/XXXX to XXXX XXXX XXXX for {$32.00}. I called again and explained it's impossible for me to have used the chip technology at those places because I have never been to California and literally live XXXX XXXX miles away. Barclays refuses to make this right and has said I most definitely benefited from these purchases. I was a victim of fraud and Barclays has done nothing to help me in this situation. I requested a new card and shut off the old one when I noticed these transactions, however I refuse to activate the new card in fear that something will happen and Barclays will refuse to protect me under regulation Z. I have asked for the information as to what was purchase with my credit card, but Barclays has refused to provide that info, nor credit the fraudulent charges off my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OR

Complaint narrative:
The XXXX  account was sold to XXXX XXXX I returned phones that were part of this account they will not give me credit. There is no one to speak to all XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Removal of Fraudulent Account Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Account opened : XX/XX/XXXX Dear, EQUIFAX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Please remove immediately Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: LA

Complaint narrative:
I am writing to formally notify you that I am a victim of a recent data breach and am requesting that the following accounts be blocked and deleted from my credit report as required by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00} XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: LA

Complaint narrative:
I am writing to formally notify you that I am a victim of a recent data breach and am requesting that the following accounts be blocked and deleted from my credit report as required by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Accounts to Be Blocked and Deleted : XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00} XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: NV

Complaint narrative:
I took a payday advance from XXXX XXXX  on my debit card for XXXX amounts of {$100.00} each and then, one for {$20.00}, {$30.00}. and {$40.00} respectively. I looked at my balance today and I see that they have charged an extra {$100.00} and {$40.00} on to my account. They hid it on days that I took out loans to confuse me, but I know why I took the advance amounts I did so I know the amounts I took. 

Last month I noticed that the amount of my cash advance looked wrong and they simiply said that I was mistaken and that I did take the amounts out. I don't believe that I did take the extra money out when I did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management purchased a debt from XXXX XXXX. They allege that this debt belongs to me. 
I never had an account with XXXX XXXX. 
Any accounts with XXXX XXXX  were the result of fraud. 
The debt that was purchased was the result of fraud. 
I only discovered that this account existed when I went to buy a new car and my credit score was low.

Upon ordering my credit reports, I discovered this account and filed a dispute with all 3 credit bureaus. 
Midland Credit Management informed the credit bureaus that the debt was mine. 
Once I received that information, I called Midland Credit Management. 
I informed them that this was not me. 
They claimed that this was under investigation. I asked them who was investigating this, so I could speak with them. 
Midland stated that they could not tell me or give me the fraud investigator 's contact information as the investigation was not complete, and that could take up to 90 days. They did give me the number of their legal department but said it would not be helpful with the fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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:
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. I MADE MORE THAN ONE ATTEMPT TO CONTACT THE COMPANIES BUT NO REPLIES.

NOTE : MY PERSONAL INFORMATION WAS RECENTLY COMPROMISED, THROUGH XXXX, XXXX, XXXX, DARK WEB, WHICH I WAS NOTIFIED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bilt Technologies, Inc.
State: PA

Complaint narrative:
1 I use Bilt card for rent payment in XX/XX/year>, which will pull the money from my saving account. 
2. The payment made on XX/XX/XXXX is not successful due to not enough balance in saving account ( that is another fault of my bank XXXX, the balance was not most up-to-date ). 
3. I contact the bilt and hope to repay to avoid bank of my property manager to charge the NSF fee. 
4. The Bilt told me the payment went through and tell me I can pay additional amount if I am still worried about it. I don't understand why the payment can went through and send an empty cheque to property manager after I tell them what's going on. 
5. I paid the additional amount which is same as original rental, but the NSF fee still occur. 
6. The customer agent XXXX was lying to me and told me NSF was charged by my property manager and property manager will refund me the NSF fee if I contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc.
State: AR

Complaint narrative:
I recently submitted a complaint against BSI Financial regarding their credit reporting practices. Subsequent to receiving the complaint, I received a phone call from a BSI representative, who informed me that they would correct the credit bureau 's records, as I was not 60 days late in XX/XX/XXXX. Moreover, they agreed to correct the late payment reported in XX/XX/XXXX, which was supposed to be corrected per the judgment. All payments prior to the judgment were to be reported as on-time payments. I hope you can ensure that BSI is held accountable for their actions. The late payment in XXXX was incorrectly reported due to the inclusion of attorney fees as past due, which was unnecessary given that BSI lost the court case and the judge ruled in my favor. I am growing increasingly frustrated with BSI 's failure to correct their credit reporting practices. If this issue is not resolved within the next 30 days, my next step will be to report their practices to other banking institutions.

Im making a copy of this complaint and sending this to the Judge in our case, XXXX XXXX

Company response to consumer: Closed with explanation