vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
On XXXX Cavalry SPV I , LLC contacted me via email attempting to collect a unverified debt that they purchased from XXXX XXXX. Opening an account bearing account number XXXX XXXX XXXX XXXXXX/XX/XXXX with collection amount {$4100.00}. As i dont know or have a contract with Calvary Portfolio Serv or Cavalry SPV I , LLC . This company has violated 15 U.S.C. 1692e by sending confusing and misleading collection notices, including deceptive payment plans that do not clearly state my rights or the amount owed.

Their actions also constitute violations of 15 U.S.C. 1692g, which requires debt collectors to provide clear and accurate information regarding the debt, including the amount owed and the name of the creditor.

Fair Credit Reporting Act ( FCRA ) : Cavalry SPV I , LLC are in violation of 15 U.S.C. 1681s-2 ( b ), as you failed to investigate my dispute regarding the accuracy of the reported debt after I notified you, thereby harming my creditworthiness.

Cavalry SPV I , LLC have also violated 15 U.S.C. 1681i, which mandates that furnishers of information, conduct a reasonable investigation of the disputed information. Cavalry SPV I , LLC reporting of this debt as valid, is unlawful and constitutes negligent reporting under the FCRA.

Furthermore, Cavalry SPV I, LLCare liable under 15 U.S.C. 1681n for willfully noncompliance with the FCRA, which provides consumers with the right to sue for damages, including punitive damages for knowing violations.

Illinois Consumer Fraud and Deceptive Business Practices Act : Cavalry SPV I , LLC practices violate the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/1 ) by engaging in misleading conduct and false representations regarding the debt in question.

Cavalry SPV I , LLC actions are deceptive and intended to mislead me into paying a debt that may not be valid.

Unauthorized Transfer of Personal Information : Cavalry SPV I , LLC actions in obtaining and utilizing my personal information without my consent constitute a violation of my privacy rights and are further compounded by the Privacy Act of 1974, which safeguards against unauthorized disclosures of personal data.

Trade Restraints : Furthermore, your conduct constitutes a violation of 15 U.S.C. 1 related to illegal trade restraints, as your misleading collection practices can potentially create unfair competition in the marketplace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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:
I am writing to demand the immediate removal of inaccurate and fraudulent information reported by XXXX XXXX, under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ). This information, concerning alleged late payments or account activity associated with XXXX XXXX and XXXX XXXX, is incorrect and has been placed on my credit report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CHERRY TECHNOLOGIES INC.
State: AZ

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding an unauthorized transaction made by XXXX XXXX using my closed debit card associated with my Capital One Bank account. On XX/XX/year>, XXXX XXXX deducted {$2100.00} from my account without my consent or authorization and Capital One paid the transaction even though I didnt have even close to this amount available in my account. 

I had cancelled and closed my debit card linked to my Capital One Bank account a couple weeks prior due to security reasons. Therefore, I am deeply concerned as to how XXXX XXXX was able to process a transaction using a cancelled card. This is a clear violation of my privacy and security, and I demand immediate action to rectify this situation. I did not provide any authorization for this transaction to take place. 

I urge Capital One Bank to investigate this matter thoroughly and provide a resolution promptly. I demand the full amount of {$2100.00} to be reimbursed to my account immediately. I also request that measures be put in place to prevent such unauthorized transactions from occurring in the future. 

I trust that Capital One Bank will take this matter seriously and provide a satisfactory resolution to this issue. I expect a response within 7 days regarding the actions taken to address this complaint. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-09-30 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: MI

Complaint narrative:
The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account that I never agreed upon or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved whatsoever. 
Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and it is evident that my rights have been violated by their actions.

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 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Some time barred out dated debt is falsely re-reporting on my credit profile. I do not have a contract with such collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My name is XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ; and my deceased mother, XXXX XXXX, and I are the victims of identity theft of over {$400000.00} in wire fraud through BOA and XXXX XXXX XXXX XXXX by a XXXX XXXX XXXX and partners, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL. I have fourteen cell phones and ten laptops containing XXXX 's split-screen over-lay algorithms and malware for the BOA and others which I repeatedly reported when filing claims for identity theft and fake companies using my debit card. BOA lax investigations accepted fraudulent documents with forged signatures, fake statements, and approved the transactions. I was never contacted by investigators, not allowed to speak with the BOA legal department, and never permitted to present evidentury materials during any of the investigations. I posess a surname list containing thousands of XXXX 's FL victims and proof of a national identity theft syndicate/ring using malware on U.S. banking institutions. I am seeking representation for a case that will prove FDIC fraud and support a class action lawsuit with the proper forensic analysis of my claim. Please contact me for additional information. BOA is abusing their clients, committing FDIC insurance fraud, and allowing identity theft due to lax investigations! Please contact me, 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 monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Navient was my loan provider. They misinformed me on all options of paying back. They encouraged me to do deferments and forbearance year after year. They caused me to be in debt and messed up my credit as interest piled up. I was charged late fees and mis informed. I couldnt get a home because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request the removal of unauthorized inquiries listed on my credit report, as they do not reflect my consent and are negatively impacting my credit standing. 

The unauthorized inquiries are as follows : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

I have attached any relevant documentation to support my claim. Please investigate this matter and remove these inquiries from my report at your earliest convenience. 

Thank you for your attention to this issue. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: NJ

Complaint narrative:
XXXX XXXXXXXX has not updated my account information nor payment details in 2 months. They have now falsely reported my account as delinquent & past due to the credit bureaus, which has now affected my credit. 
I've been on a special payment plan with a minimum payment of XXXX XXXX monthly, since XX/XX/scrub>XXXX  However, XXXX  XXXX have not honored my new payment plan, nor updated my account information/status! I've never made a late payment on my account and have always made the minimum payment due or more. I've contacted their customer service department multiple times about updating my account information & minimum payment due. But I was told that I have to wait at least 90 days and make 3 consecutive {$55.00} payments, in order for my payments and account information to update.

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 2024-09-29 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES 1.EXPERIAN XXXX XXXXXXXX All of the aforementioned accounts, 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and 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 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: WA

Complaint narrative:
The annual fee of {$99.00} for next year posted on XX/XX/XXXX, requested to cancel the account and refund the annual fee via phone on XX/XX/XXXX. FNBO refused to refund the annual fee says there was a new purchase after that. They can not revert the charge of annual fee no matter if I keep or close the account. They refused to refund the annual fee for the same reason in XXXX as well.

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 2024-09-29 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: OH

Complaint narrative:
This account was current and resolved and was supposed to be deleted over 30 days ago please delete this account the XXXX XXXX XXXX # XXXX it is not accurate. 
I have request the company send out the XXXX  FORM to remove this account asap.

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 2024-09-29 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:
This CFPB Complaint is being filed due to Equifax not Complying with XXXX and FCRA Guidelines by furnishing Unverified/Inaccurate information on my credit report. As per XXXX Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable. Information for this account has not been verified as it is inaccurate/Inconsistent and possibly from someone ELSE 's account which is why this account must be removed please.I have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the XXXX XXXX XXXX  in regards to the violation of my rights by XXXX as well as damages caused by these " errors ''. The account in violation is XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: AL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX. account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
Optum Temporary Funding Assistance discriminated against me for a medical condition that did not affect my ability to repay the loan and engaged engaged in a company wide coordinated effort to cover up their actions with lies and further discrimination against me. I have it on good authority that they may have engage in these discriminatory actions against me based on a false tip from one of my direct competitors. Optum Temporary Funding Assistance had violated every single one of my consumer and contractual rights and had demonstrated a blatant disregard for the law even verbally stating to me that they will not honor nor follow these laws. At this Juncture of time they have not responded to any of my affidavits as required by law including FOIA request, request for all the factors concidered againt me in the denial, request for payments of contracts fulfilled. 
All Rights Reserved UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I informed XXXX of all the accounts that I didn't charge on and for them to remove them I submitted documentation stating I didn't make those charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation