vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 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:
On XXXX and again on XXXX I XXXX XXXX sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. It has been over 30 days later and I have not received a resolution yet towards these violations. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report. it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax and XXXX XXXX data breaches and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: TX

Complaint narrative:
On XXXX and again on XXXX I XXXX XXXX sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. It has been over 30 days later and I have not received a resolution yet towards these violations. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report. it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX and XXXX XXXX data breaches and may have got into the hands of the wrong person.

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 2023-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: TN

Complaint narrative:
Hello, I received 2 collections letters from either UPS or someone pretending to be XXXX regarding unpaid shipping invoices. 

I didn't recall shipping anything recently other than " free returns '' with XXXX, so I called XXXX to see what was happening. They claimed that I would never receive a bill for shipping a free return and if there was a charge it would go through XXXX. 

So, today I called the Customer Service number for XXXX and was talking to a gentleman who hung up on me when I asked for the specific details of the invoices. Then I called an 800 number on the collections letter and talked with a young man named XXXX, who told me that it was all a big mistake and that he was XXXX  out the account, but that he couldn't do anything about the collections company, Synter Resource Group, LLC who was initiating a collections action against me. 

I believe that this is a scam and that the invoices were false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capital Alliance Financial, LLC
State: MI

Complaint narrative:
Good Afternoon, My name is XXXX XXXX and I'm a Michigan resident. I want to file a complaint and federal charges against Michigan State IRS. I receive XXXX and I filed a renters rebate with XXXX XXXX in XX/XX/2023. The Representatives for Michigan IRS have been discriminating against me. Every time I call them they make XXXX comments and held up my refund. I filed in XX/XX/2023 and in XX/XX/2023 they informed me that an unknown entity was garnishing me refund. When I asked for a copy of the Garnishment they refused to mail me a copy. I called the court that issued the Garnishment approval. The clerk informed me that I did not have a court date for the approved garnishment or a notice of service. 

I don't know how the lawyers got a garnishment without a court date? I asked the clerk to provide the address where I should have been served a notice of Garnishment with the court date and she said there isn't one. I called the Michigan IRS back and they said the lawyers don't have to follow the steps to obtain a garnishment. I don't know how they knew I was receiving XXXX?? The refund is {$1600.00}. It's not about the money. It's about their XXXX practices and the mission to try and oppress me because I'm not XXXX. 


I want my refund. They have no right to steal. They engage in criminal practices in order to enforce their agenda to oppress people that look like me. They stalk my social media, emails, and text messages. They're so miserable and wicked. Can you release my refund. I have places to go and people to see. My number is XXXX. I think they put spy ware on my phone to listen to my conversations. They always want to know what I'm doing XXXX XXXX  days. It's so sad and pathetic. My patients is running low. I will look forward to a response and a resolution ASAP at your earliest convenience. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: MD

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
After reviewing my credit profile on XXXX  I identified a discrepancy with account listed under PROFESSIONAL DEBT and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/ and the account continues to reflect on my credit report, and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing on the report. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account from all XXXX bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is breach of contract I informed the CFO that I, XXXX XXXX, agent on behalf of XXXX XXXX, principal hereby accept all titles, rights, interest and equity owed to XXXX XXXX, principal. 
I advised the CFO of the company to apply the to apply the principals balance to the principals account for each and every billing cycle for set off. I also instructed the CFO, to communicate in writing once instructions are completed. This is instructed to happen within 5 business days. 
I sent my Claim of Credits letter on XX/XX/23 I sent my Opportunity to Cure letter on XX/XX/23 I sent my Default Notice letter on XX/XX/23 With these documents I provided a durable power of attorney as well as references to federal reserve act sections 16 and 29 in addition to copies of multiple endorsed bills relating to the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
First, let me be abundantly clear, Midland Credit Management , Inc . I am well-informed of Case NO : XXXX, where the Bureau of Consumer Financial Protection took action against Asset Acceptance Capital Corp. , Midland Funding , LLC. , Encore Capital Group, Inc., and Midland Credit Management , Inc . Your alleged remark that 'As it was a credit card, the terms and conditions ( cardholder agreement ) that creates the agreement between the parties ' is wholly unacceptable and misleading.

Under 8 ( a ) ( iv ) ( 1 ) in the case that is referenced above, Midland Credit Management , Inc. must comply with my demand. This is not a request ; it is a legal requirement. I demand to see my signature on the alleged cardholder agreement, and I will not allow MCM to make false or misleading statements about me, as this is a violation of 15 U.S. Code 1692E.

Furthermore, your threats towards me are unwarranted and will not be tolerated, as they constitute a direct violation of 15 U.S. Code 1692d. Your complete lack of transparency in response to my legitimate demands regarding the safeguarding and acquisition of my personal information is also a violation of 15 U.S. Code 6801.

Adding to the gravity of this matter is the fact that Midland Credit Management , Inc. has failed to substantiate any of its alleged claims. Ive entered into no business with your company and have no interest in doing business with your company, We have no agreement or arrangement. You have refused to show any contract, whether by terms or by signature showing any such alleged account as you claim, and if you base your claims under the principle of alleged account stated, you are basing it on hearsay, not showing the affidavits proving any such alleged account transactions. In the event that you resort to legal action, know this : I will demand thorough information during the discovery process. I will pursue this matter relentlessly, fighting to the ends of the earth to protect my rights.

I demand that you close this account within your offices, cease all collection activity, and stop any further harassment. Failure to comply will hold you responsible for the violations you have committed, and I will not hesitate to seek legal counsel to protect my rights. You will not extract a single XXXX from me, especially over a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
Mohela is adding interest to my balance that should be waived every month per the SAVE repayment plan AND they are reporting a incorrect balance to my credit report. I am on the SAVE repayment plan. I paid my XXXX payment on time. Prior to the end of the COVID forbearance my total balance was {$250000.00} after I paid my payment due for XX/XX/XXXX, interest was added to my balance and my balance increased to {$250000.00}. Per the SAVE plan interest should NOT be added to my balance. I requested that Mohela remove the interest that was added to my balance in XXXX and reply to me explaining why this mistake happened and when they will correct it and they did not correct it. Per the Studentaid.gov website the SAVE Plan eliminates 100 % of remaining monthly interest for both subsidized and unsubsidized loans after you make a scheduled payment. This means that if you make your monthly payment, your loan balance wont grow due to unpaid interest that accrued since your last payment. Mohela is not complying with the repayment plan requirements. I have attached proof of my balance prior to the end of the Covid payment pause, proof that I paid the XX/XX/XXXX payment in full on XX/XX/XXXX on the SAVE repayment plan and proof that Mohela reports a increased balance of {$250000.00} after the payment was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-11 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-11 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: CT

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: TX

Complaint narrative:
My credit report was flagged from the company named " Zions Debt Holdings LLC '' I was never sent any information from this agency via email, mail, or phone. I discovered this from the credit report. I am the victim of identity theft and this debt is a result of fraud. This debt is in not in my name. The debt is in the name of " XXXX XXXX '' My name is " XXXX XXXX XXXX '' I am the sole owner of the social security number " XXXX '' I have never went by any other name, nor have I ever changed my name. I called Zions Debt Holdings LLC who confirmed the debt/collection was under the name " XXXX XXXX XXXX not " XXXX XXXX XXXX XXXX XXXX I informed them that the debt was not mine, and the debt was made under fraudulent premise using my social security number. I also informed them that I never had an account with the original consumer " XXXX ''. I also informed them that they were the XXXX collection agency trying to collect for a fraudulent debt. I have reached out to all XXXX credit agencies and added a fraud alert on my credit report. I have also uploaded a copy of my drivers license and social security card for verification. Zions Debt Holdings was not interested in resolving this issue and was dismissive.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
XX/XX/XXXX at XXXX I did a manual translation for {$450.00} and another manual transaction for {$110.00} at XXXX. I did these transactions manually as the customers entered the card information not me. All my transactions are legit not theft, fraud or money laundering. They have yet to give me a reason for closing my account after I asked twice and they are also saying they wont give my money until XXXX days after XX/XX/XXXX. Why is square holding my money this long? Why did you guys close my account? Im so confused Ive been using square for about XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-11 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: GA

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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 ) Section 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 person knows 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 non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Action Professionals, Inc.
State: TX

Complaint narrative:
from XX/XX/2022 to XX/XX/2022 every month disputes for inaccurate information and incomplete credit information. their responses were not accurate on all 3 major credit agencies. they are in violation of my rights in accordance to 15 U.S. code 1681b not following reasonable procedures to report accurate information in addition to violating 15 u.s. code 1681s-2 responsibility of furnishers of information to consumer reporting agencies,

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
from XX/XX/2022 to XX/XX/2022 every month disputes for inaccurate information and incomplete credit information. their responses were not accurate on all 3 major credit agencies. they are in violation of my rights in accordance to 15 U.S. code 1681b not following reasonable procedures to report accurate information in addition to violating 15 u.s. code 1681s-2 responsibility of furnishers of information to consumer reporting agencies,

Company response to consumer: Closed with explanation