vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: TN

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2024-12-05 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: DC

Complaint narrative:
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 U.S.C 1681. 

XXXX XXXX XXXXXXXX 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  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.

15 U.S.C 1681c. ( a ) ( 5 ) sections states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 persom kmows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: DC

Complaint narrative:
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 U.S.C 1681. 

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 XXXXXXXX, XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) sections states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 persom kmows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I received an email from citizens access bank about a promotion where they would pay me a bonus of {$250.00} if I deposited XXXX of additional monies in my savings account by XX/XX/XXXX and and kept it there for 90 days. At the time, I had a savings account with them. Pics will be included of the actual email. I followed the rules and instructions in the email. On XX/XX/XXXX I started the process which included a wire transfer to their bank of XXXX. Now they won't pay me the {$250.00} and or explain why. I've contacted them 5 times by phone and asked them to review. 3 of the 5 times they didn't even call me back to tell me " no '' ... I had to call back to hear " no, we aren't giving you the {$250.00}. '' When I asked why they tell me about another department that handles this issue and when I ask why did they deny the {$250.00} they say " no reason was provided. '' 1 of the 5 times I was told I wasn't eligible for the promotion and I said, " how am I not eligible, you sent me an email indicating I was eligible? '' The customer service rep apologized but didn't/could n't provide an answer. I've been calling them for over a month now, still not 1 reason has be given why they won't honor the {$250.00} promo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
I always pay my bills on time, so Im not sure why this company is listing me as late for some months. According to USC 1666b, any errors should be corrected, and my account should be updated to " paid as agreed. ''

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
i do not recognize these inquiries on 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 2024-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
My Mortgage was foreclosed XX/XX/year>. The Mortgage Company continues to send Statements for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: MD

Complaint narrative:
On XXXX and XX/XX/year> there were transactions in my account that were not mine, I call and dispute the transactions for a total of {$1300.00}. 
They credit back the money on XX/XX/year> and on XX/XX/year> they removed the credit but told me I have the right to request proper documentation, which I have been requesting many times, because those transactions are not mine, I have never been in California. They refund me {$240.00} and send me documentation for 3 little transactions that total {$50.00} I have wrote letters and made phone calls, over the phone they said my case is under investigation and on the letters never send me the support documentation, because I know those are not my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-12-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Attorneys USA LLC
State: TX

Complaint narrative:
I have been contacted by a representative from Collection Attorneys USA LLC, they have called my place of employment, threatening to come looking for me. I spoke to them and advised tehm of my situation and reason why I had stopped making payments, which was me being diagnosed with XXXX and had some deaths in my family. I understand I have this debt and I am willing to apy it but there is no way I can pay the {$2000.00} she wanted immediately, she tehn proceed to say she would take it to court and I would be responsibel for over {$3000.00} if she did that. There si no way I can afford that either. I am a XXXX mother caring for my XXXX children and XXXX grand kids on 1 single income. Any help that can be provided will be greatly appeciated. I am willing to pay in installments but just can not afford to pay the lump sum they are asking me to. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NC

Complaint narrative:
I'm writing this gripe again. There are still accounts on my credit report that shouldn't be there even though I sent your company a dispute last month XX/XX/year> and made it clear which accounts were falsified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
1.The following personal information is incorrect 2.PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TX 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 XXXXXXXX

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 2024-12-05 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: TX

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Against Equifax for Inaccurate Reporting of Late Payments on Account XXXX Dear CFPB, I am writing to formally lodge a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXXXXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction, including letters dated XX/XX/year> and XX/XX/year>, my requests have been ignored, and no changes have been made to address the inaccuracies. This failure constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations 15 U.S. Code 1681i : Requires that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct these inaccuracies after two formal disputes violates this mandate.

15 U.S. Code 1666b : Creditors are obligated to send periodic statements at least 21 days before the payment due date. The inaccurate reporting suggests noncompliance. 
TILA Violations The Truth in Lending Act emphasizes the necessity of accurate disclosures to consumers. The inaccurate reporting of late payments has damaged my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act underscores the responsibility of creditors to provide timely statements to prevent unfair penalties, which has not been upheld in this case. 
Desired Resolution I formally request the following actions : Immediate removal of the late payment notation from my credit report for the account with XXXXXXXX XXXX XXXX 
Written confirmation that the correction has been made. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints filed with relevant oversight agencies. 
Thank you for your prompt attention to this matter. I look forward to your resolution within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
I have no knowledge of this alleged debt until it appeared on a recent credit report. I request debt validation and proof of claim for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MA

Complaint narrative:
Dear Sir/Madam,. XXXX XXXX XXXX Credence Resource Management ; I recently reviewed my credit report and discovered an account attributed to your company that is entirely fraudulent. I have never had any relationship or contractual agreement with your company or XXXX XXXX XXXX, nor have I ever resided at the address associated with this account. I have lived at my current address in Massachusetts for the past 20 years and have not moved out of state during this time. 

It appears my personal information may have been incorrectly associated with this account or possibly mixed with someone elses. I respectfully request that you conduct an internal investigation to verify this claim and immediately remove this account from your records. Additionally, I request that you notify all credit reporting agencies to delete this account from my credit report, as it does not belong to me. 

This situation has caused significant stress, financial hardship, and denial of credit, all due to an account with which I have no connection. Your reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

To validate this account, I formally request the following documentation : Proof of your authorization to collect on this account under 15 U.S.C. 1692e and 1692f. 
The legal basis for your collection efforts, including applicable statutes. 
Proof of your authorization to operate in my state. 
Evidence of the alleged debt, including a contract or agreement bearing my signature. 
A complete account history, including all charges, fees, and payments. 
Under FDCPA 1692g ( b ), you are required to provide this validation within 30 days of receiving this letter. Failure to do so will result in the account being considered invalid. Furthermore, any non-compliance with FDCPA 1692d, 1692e, and 1692f will be regarded as unlawful conduct. 

Additionally, under the doctrine of estoppel by silence ( Engelhart v. Gravens, Mo. 281 S.W. 715, 719 ), if no evidence is provided within 30 days, I will presume no debt exists and demand the immediate removal of this account from my credit report. 

If this matter is not resolved promptly, I am prepared to escalate this issue by filing formal complaints with relevant regulatory agencies in your state, FTC... etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS INFORMATION DOES NOT BELONG TO ME. PLEASE DELETE FOR INACCURATE REPORTING. ONCE YOU HAVE FINISHED REQUEST PLEASE SEND ME AN UPDATED CREDIT REPORT REFLECTING MY REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: FL

Complaint narrative:
Starting in XX/XX/year> XXXX XXXX attempted to charge me the cost of a wheelchair I never rented, purchased, ordered, or requested. In numerous phone calls and letters I told them I never signed a rental agreement. When they finally allowed me to see disputed document on XX/XX/XXXX, it was dated as signed on XX/XX/XXXX, but the signature isn't mine. On XX/XX/XXXX I received a letter from ARstrat saying that XXXX referred the debt to them for collection. In none of these interactions from XXXX or ARstrat was I given any opportunity to decline any agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NJ

Complaint narrative:
This CFPB complaint has been filed pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, the XXXX, equifax, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you reeving this complaint. This fraudulent inaccurate, and false information consists of a personal credit card opened with XXXX in XXXX along with numerous auto loan inquires made in XXXX with XXXX  XXXX, XXXX  XXXX auto finance, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX. These accounts have resulted seversl frsudeletn hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize any of these items listed and they were not made, opened, or initiated by me. I have attached a copy of my FTC identity theft criminal complaint ( # XXXX ) as proof from the US federal trade commission that all aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: MO

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2024-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I used COVID relief for skipping mortgage payments and paid the back payments in time. it shows late payments on my credit score now

Company response to consumer: Closed with explanation