vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP
State: GA

Complaint narrative:
So around XXXX I believe it was I took out a {$4000.00} loan through Republic finance. I went through hardship and wasn't able to pay the loan back on time so they started garnishing my wages they garnish my wages for {$6600.00} for a whole year I only borrowed {$4000.00} from them the garnishment was paid off and done. They send out a letter harassing my bank trying to get my bank to garnish my wages again for {$700.00} that they claim I still owed for interest in late fees I said that's nowhere possible that I still owe you guys money after garnishing my wages for almost {$7000.00} and my loan amount once again was only {$4000.00}. They still have this full amount sitting on my credit report they haven't made any reports to my credit report at all regarding it being paid off. I contacted this company and ask them to send me down a breakdown of how I still owe them {$700.00} they never sent me a letter I got a letter stating that I am released from garnishment from XXXX XXXX I don't even know how they contacted XXXX XXXX Court system and for what so I've been trying to get this done and off my record because they have got paid more than enough more than enough money than they even owed and they're giving me issues so I'm taking it a step further.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent account in my credit report ( XXXXXXXX XXXX Date opened XXXX ) Please remove this fraudulent account from my credit report. Thank

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 2024-11-10 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: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Wakefield and Associates- {$1900.00} - I don't recognize this account and have no information pertaining to this account. 

I have disputed this account to the credit reporting agency several times, asking them to please provide original account statements from where this account originated, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

Account number : XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

Account number : XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2024-11-10 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: CA

Complaint narrative:
I asked for several items to be sent in reference to the forms of verification of the file among other things. Responding as VERIFIED is not a response to the issues I outlined and asked for in the complaint. Among other things, they failed to respond in the required time. Please fully address all the items I requested immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therfore exists. ( Please remove this account before I seek litigation for defamation of character. ) 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 2024-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Account number : XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2024-11-09 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXX/XX/year> Consumer SSN : XXXX I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted within ( 4 ) business days pursuant to FCRA 605B15 U.S.C. 1681c-2 ( a ).

Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of data breach, identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, loans, insurance from the XXXX XXXX XXXX with balance of {$4900.00}, 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 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
I RECEIVED A INQUIRE ON MY MEMBER ALERT FROM XXXX BACK IN XXXX FROM FORD CREDIT AND XXXX XXXX, I CALLED BOTH BUSINESS AND TOLD THEM ITS FRAUD AND THEY SAID THANK YOU AND WE WILL NOT FUND THE DEAL. BUT THEY KEPT THE LOANS ON MY CREDIT FILE WHEN THEY WERE WARNED BEFORE THE VEHICLE WAS TAKEN AND FUND, THEY DIDN'T LISTEN TO ANYTHING I SAID AND LET A PERSON USE MY IDENTITY ANYWAYS. 
I HAVE SUED FORD MOTOR CREDIT AND HAVE WON A JUDGEMENT AGAINST THEM AND XXXX XXXX IN XXXX GA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent charges on my credit report, as I am a victim of identity theft, likely perpetrated by my ex-husband. Despite my repeated attempts to resolve the issue, I have been unable to obtain any proof from creditors or credit bureaus, such as contracts or signatures, substantiating these unauthorized accounts opened in my name. I was not notified within the 5-day window required by 15 U.S.C. 1692g, which is a violation of my consumer rights, and my privacy and credit have been directly harmed in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is prohibited for creditors to report inaccurate information to credit agencies, which is clearly what has occurred in my case. I demand that immediate action be taken to remove these fraudulent accounts from my credit report and correct the inaccuracies, and that I receive any supporting documentation for these charges. Should the necessary proof not be provided, I expect these accounts to be permanently deleted. I will pursue legal action against the creditors and credit bureaus involved for failing to comply with federal law and for violating my rights. Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-11-09 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: World Acceptance Corporation
State: GA

Complaint narrative:
My identity was stolen online. I never authorized this account, and never signed any papers for this by hand. I have had mail stolen and things authorized without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: SC

Complaint narrative:
On XX/XX/year> I received a copy of my consumer report and noticed some accounts that do not belong to me. I have never entered into a consumer credit contract with any of these companies listed. XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request evidence from these companies and they have failed to provide proof that I consented to anything. I want a full reinvestigation into these fraudulent accounts. 15 USC 1692G states that all debt collectors provide sufficient evidence to support they claim. I know I never signed anything with these companies so these accounts shall all be removed.

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 2024-11-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2024 I received a copy of my consumer report and noticed some accounts that do not belong to me. I have never entered into a consumer credit contract with any of these companies listed. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request evidence from these companies and they have failed to provide proof that I consented to anything. I want a full reinvestigation into these fraudulent accounts. 15 USC 1692G states that all debt collectors provide sufficient evidence to support they claim. I know I never signed anything with these companies so these accounts shall all be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Today is XXXX, and about 20 minutes ago I created an online account with XXXX XXXX XXXX XXXX to purchase one ticket for tomorrow 's event at XXXX XXXX. 

Upon clicking submit to proceed with checkout, a box popped up in red and said DECLINED. So, I tried it again, and it said DECLINED and disappeared again. It's not as if it said DECLINED and stayed on the screen. So, I logged into my Bank of America online ledger and XXXX XXXX charged me {$29.00} TWICE. Then I logged into my inbox, and there wasn't any email confirmation or tickets. So, I notified CFPB online. Then I called the XXXX XXXX. Clicked the option that said ACCOUNTING. 
XXXX answered my call. She then said, " As of right now we do not see that you purchased a ticket. The funds should be back in your account in a few days. If they are not in your account, give us a call back. '' I've chosen not to wait for the transactions to clear to then request a refund. I'm choosing to request a refund now. 

XXXX said they didn't see any purchase so, there's no tickets.

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 2024-11-09 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: GA

Complaint narrative:
i recently checked my credit report and saw accounts reporting that i do not recognize

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i recently checked my credit report and saw accounts reporting that i do not recognize

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 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: AZ

Complaint narrative:
I deposited a XXXX dollars XX/XX/year>. Then I tried to withdrawl XXXX through and atm fee and got declined. Then I tried to withdrawl XXXX dollars and it got declined. Now I have XXXX dollars in my account. From these 2 transactions from 2 failed atm withdrawls. I tried talking to costumer services but the just forward me their atm rates and say I didn't have suffient funds. Thus isn't the first time it happened too. This is from cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ar XXXX Account # : XXXX Dear Porfolio Recovery Associates , LLC, I acknowledge receipt of your response to my debt verification request dated [ Date ]. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now include : The name and mailing address of the debt collector ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided.

Your response dated [ Date of Response ] did not include any of the aforementioned details.

In accordance with the FDCPA, please provide the following : 1. The name and address of the original and current creditor ; 2. Verification of the debt amount you are attempting to collect ; 3. Documentation of any assignment from the original creditor, including my name and the original account number ; 4. All relevant information on the securitization of the debt and proof of its reassignment to Portfolio Recovery Associates , LLC.

Federal law, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount.

Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report.

I appreciate your prompt cooperation in this matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
They reported wrongful information about dismissed bankruptcy on my credit report and I asked them where they got this wrongful information from? They said the court house provided them the information, but the court house said they never shared any information with any credit report agencies which Im uploading the letter from the court house

Company response to consumer: Closed with explanation