vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: CBC Companies, Inc.
State: GA

Complaint narrative:
ATTN : XXXX, XXXX, XXXX, INNOVIS RE : Debt Validation Required XX/XX/2024 To Whom It May Concern, I am requesting debt validation for items listed on my Credit report as " Derogatory '' and in " Collections '' Item in Question : XXXX XXXX Amount : {$2900.00} Account status : Derogatory Remarks : Collection Account Account information disputed by consumer, meets FCRA requirements DISPUTE : NOT LIABLE Obtain and provide a copy of a wet signature on a contract or document that holds me responsible for this alleged debt along with the identification documents used to validate this debt liability. 
Send this information to my address listed in the CFPB filing and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report completely. 
It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the address in this filing. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: MD

Complaint narrative:
I always pay on time and never missed a payment.

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 2024-05-08 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: MD

Complaint narrative:
I always pay on time and never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I believe FCRA 605B requires the removal of any incorrect accounts from my credit report. Can you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, including inaccurate amounts and dates.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax due to concerns about the integrity and permanence of deletions on my credit report that were confirmed in a previous response from Equifax following a CFPB complaint. Despite assurances that several accountsincluding 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 XXXX XXXX deleted from my credit file, I am troubled by the possibility of these items reappearing, as I have encountered such issues in the past. This situation raises serious questions about Equifax 's compliance with the Fair Credit Reporting Act, which mandates accurate and fair reporting practices. The repeated instances of deletions being potentially reversed or not permanently maintained without any notification undermine my trust in the accuracy of Equifax 's credit reporting and the efficacy of their dispute resolution process. I am seeking an investigation into this matter to ensure that all previously confirmed deletions are permanent and to receive assurance that such items will not reappear, thus upholding the standards of accuracy and transparency required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I went to pay my mortgage and discovered no money in my account. Over 10 days a company, called XXXX had debited my account up to 20 times in one day. I never received a fraud alert for these charges. I looked over my account and discovered charges had been coming from XXXX in increasing amounts over several months. XXXX has NO record of ever receiving these charges. I did not notice the charges immediately because I had 3 small loans with Affirm that I was paying regularly. Although Axos can not verify where the money went, nor can the company verify this money was ever received, I have not received my money back from XX/XX/XXXX. Now they are saying that it is past the 90 days, and they have already denied my claim. I have emailed multiple times, spoke with multiple customer relationship staff, and not allowed to speak with supervisors or people in power. Over {$4200.00} was taken from me with no idea where it went, but with no fraud protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
There were 3 transactions in the amounts of {$500.00}, {$500.00}, and {$200.00}, totaling {$1200.00} that was taken out of my XXXX XXXX XXXX checking account all from PayPal transactions. I have a PayPal account I have not used in over two years that I cant access now due to fraud ( account hacked ). I reached out to PayPal and they confirmed the transaction history is not normal, however, they can not refund the {$1200.00} transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( account number 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 2024-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
Not following laws on debt collection. 

I disputed debt and they acknowledged the dispute and i have email tracking showing they also opened the email twice. 
They verified and confirmed they received the dispute on a recorded call Not only did they not validate and verify the debt with me they continued trying to collect. 
They are required to stop all collection activities until debt is validated once a dispute is received. 
They simply violated this law and tried to serve me while out of town 2 occasions at my home.

They also work under 3 company names and harassed me at work and on friends cell numbers. 
They were advised to cease and desist contact due to harassment. 
They failed to do so and would not properly identify when calling. 

A few occasions the reps actually gave out my personal information. 
They stated are you mr XXXX ssn XXXX and also gave out my dob. 
This disregard for laws and not operating in the laws other have to follow is not appreciated. 

If i get served i will be counter suing stenger and stenger / XXXX XXXX XXXX AS SUCCESSOR IN INTEREST TO XXXX XXXX XXXX  XXXX. for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Kindly update my account this causing me a lot of stress and anxiety.

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 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My debit card was used in XXXX XXXX XXXX ATM withdrawals. Also used at XXXX XXXX XXXX I filed a fraud claim they gave me credits for XXXX XXXX XXXX XXXX but they denied the ATM transactions stating card and pin was used. I explained to the customer service representative my card was stolen. I never wrote down the pin nor gave it to anyone. And how can you approve those charges in my favor and not the other charges. I stay in Texas I was XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/year> and didn't get released until XX/XX/year>. So it was impossible for me to be in XXXX I also sent in police report. I am going to XXXX and I been saving this money. I faxed over the documents they asked for. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I had a debt show up on my credit report by Credence Resource Management , LLC claiming I owe XXXX XXXX XXXX under a account number that is not mine. I have received no correspondence from either company and am current on my 3 accounts that I do have with XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive been a victim of 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 2024-05-08 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: IL

Complaint narrative:
Ive been a victim of 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 explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX EXPERIAN XXXX DEPT RE : NOTICE XXXX XXXX XXXX XXXX XXXX NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EXPERIAN that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX statutes Reference number XXXX Record type XXXX XXXXXXXX XXXXXXXXpetition filed Court US BKPT CT XXXX XXXX XXXX  Reference number XXXX Record type XXXX XXXX XXXXdismissed Court US BKPT CT XXXX XXXX XXXX Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the XXXX statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does EXPERIAN allow these non-compliant institutions to report on my credit profile and put my privacy at risk? 

Until compliance with Sec. 6802-680XXXX of the XXXX can be substantiated, I DEMAND that EXPERIAN PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). 

Experian is in violation of the XXXX XXXX non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. ThXXXX XXXX  non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses

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 2024-05-08 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: CA

Complaint narrative:
Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.

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 2024-05-08 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: FL

Complaint narrative:
FCRA 605B might necessitate the elimination of erroneous accounts from my credit report. Could you verify the documents? Some of the accounts listed contain inaccuracies regarding reporting, amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-05-08 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-05-08 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: OR

Complaint narrative:
It seems FCRA 605B requires us to eliminate any erroneous accounts from my credit report. Could you review the documents? Some listed accounts are inaccurately reported in terms of amounts and dates.

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 2024-05-08 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:
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 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 explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I was the victim of a XXXX scam. I was in a large XXXX group for apartment renters looking for units to rent. I found one that I was interested in and messaged the seller, whose XXXX profile name was XXXX XXXX. She let me know to proceed with an application and an apartment tour, I would need to pay a refundable {$100.00} application fee. She said I would pay this refundable fee to her " lawyer '', who would then send me the application form. I sent the {$100.00} to this " lawyer '' through XXXX, of which the recipient email information was XXXX. Another recipient email that was provided to me, originally for use of XXXX payment, was XXXX, but the XXXX payment did not go through. 

After I paid the " lawyer '' on XXXX, I was sent the application form via email from XXXX, which XXXX XXXX also said was her " lawyer ''. When things started feeling fishy, I told XXXX XXXX I was no longer interested in the listing and requested a refund of the application fee. She said her " lawyer '' was going to refund me, but when I did not see the refund for a while, I followed up, and she blocked me on 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 explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX {$0.00} XXXX XXXX Balance {$2400.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX Balance {$1500.00}

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 non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I already have an existing loan! After receiving so many pre-approved emails, I applied on XX/XX/2024 in the morning. I was approved for a {$6600.00} unsecured loan but needed to consolidate my existing loan. I spoke with the specialist and discussed my finances, and everything was fine. All of my information is the same! My specialist was supposed to call me back, but he never did. I still have not heard from him. I was given the runaround after being told that the underwriters had cleared my documents and that I needed to wait for my specialist to finalize everything. I called back around XXXX XXXX. after not receiving a call back and spoke with a new representative. He informed me that they are requesting additional documents, such as my passport and PDF versions of my pay stubs and bank statements. When I questioned the abrupt change, I was told that they needed to confirm that it was indeed me! All of my information is the same! Because my credit had already received a hard inquiry, I resubmitted everything and took direct photos. I called on Monday and was told to wait for my agent. ( He never called ). I called again this morning and was told that they only accept " PDF format '' for my bank statement and paystub. I submitted both, and now my application has been denied! This is the worst company I have ever come across. I am not concerned about the money because I do not need it. I took out my first loan around XXXX and am already halfway through because I make multiple monthly payments. I will pay it off this month and be done with this fraudulent company. They should be reported to the credit bureau for engaging in illegal practices! My advice is to record your conversations with them because they will tell you one thing and then change it a few seconds later. I am surprised there are no class action lawsuits for predatory practices. I am still surprised that I was approved, the underwriters cleared me, and then they changed their minds. I am not a lawyer, but this is illegal, and I will pursue having my hard inquiry removed because I feel scammed. When I call, I get the direct message to wait for a letter with explanation!

Company response to consumer: Closed with explanation