vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-18 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: KY

Complaint narrative:
NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX  XXXX Dear EXPERIAN, This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove the following unauthorized hard inquiries from my credit report : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Sincerely, 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 explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CIG FINANCIAL LLC
State: AZ

Complaint narrative:
OK, so in XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which XXXX at the time was not legal which it is now long story short I filed taxes and already completed. The identification process is to it being me that filed the taxes my name is XXXX XXXX and I need someone from the IRS to explain to me why its taking so long to get {$11000.00} in my refund. Is it have something to do with the fact that someone else claimed my child during XXXX  which they did not have verbal or legal written consent from me to do so also said persons would be the biological father, however, biological father never verbally communicated any desire to want to file taxes on behalf of the child And possibly 10 year review audit on my behalf for my TAX account as well as the biological childs fathers account if any more detailed information is needed I do have information for anyone in the iris department. They could explain why I am being held up over a year or so when the money is needed I am in an immediate situation where I need housing and transportation Otherwise well be left to create detrimental financial hardship upon self by taking too many steps backwards when I need to keep moving forward Therefore, if you could have someone in your department order an immediate resolution to this particular individual situation, all of my information can be located on file through the state of Arizona Department of Economic Security in which you will reference case number XXXX If any questions or needed to be answered on my behalf, I may be contacted via the XXXX XXXX number available XXXX at the earliest possible convenience as this is an immediate complaint with multiple relevant reasons regarding immediate resolution as to small business owner and Single head of household for tax year XXXX these implications are causing replications or repercussions that are beyond normal delay and should be looked at immediately as to financial hardship being released desired outcome for anyone individual in Arizona or otherwise permitted in the United States of America as to legal residence status, including myself Assistance are jammed up and theres no resolution through the provided phone numbers, as well as no resolution through Internet at the current time. Should this situation be resolved either by recipient or receipt of government issued check in the proper amount as deemed proper by the government entity assigned to run such tax Departments being irs.gov It is at this current time that I respectfully request due diligence and due process as to constitutional human rights for resolution of this complaint this complaint should be known to be time stamped for XX/XX/XXXX at approximately XXXX AZ time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I am reaching out to address an ongoing issue regarding a tax assessment payment that has not been properly resolved, despite multiple attempts to clarify the situation. Below, I have outlined the key details of this matter and request your immediate attention to ensure a resolution. 

Background : On XX/XX/XXXX, I notified XXXX  of a delinquent assessment notice from the XXXX XXXX XXXX XXXX XXXX regarding a tax assessment of {$970.00}. This amount included a 25 % penalty due to the missed payment deadline of XX/XX/XXXX. 
My review of my XXXX closing documents, specifically under the Projected Payments section, confirmed that escrow was designed to cover taxes, insurance, and assessments. Based on this, I assumed these assessments would be paid through the escrow account. 
Despite several follow-up emails, I received no response from XXXX. 
On XX/XX/XXXX, Mr. Cooper disbursed these fees from my escrow account for Miscellaneous Tax and did not apply the late fee. I assumed this issue had been resolved and that the payment would be made routinely moving forward. 
On XX/XX/XXXX, I received a new notice from XXXX XXXX XXXX XXXX XXXX stating the tax assessment was again delinquent, now totaling {$1000.00}, including the 25 % penalty. 
I have sent multiple emails regarding this issue since XX/XX/XXXX, but have only received automated responses, with no substantive follow-up from XXXX. 
Key Concerns : Lack of Response : Why have my repeated inquiries been met with automated responses instead of actionable assistance? 
Payment History : Why was this tax assessment paid in XXXX, and now XXXX is claiming it is owed by the client? 
Lack of Notification : Why was I not notified that this assessment would not be paid via escrow as I initially expected? 
Supporting Documents : I have the necessary support documents related to this issue and can provide them if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
I wrote to your company on XX/XX/XXXX and all though your response on XX/XX/XXXX was partially correct there are accounts that are appearing on the report still that need to be removed. 
please remove these following accounts if they have not been removed. 
1. ALL HARD inquiries XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX {$1900.00} XXXX. XXXXXXXX XXXX XXXX  {$5200.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  I have given over 60 days and DEMAND THRE MATTER ADDRESSED ASAP with compensation for my damages. 
Subject : **Immediate Removal of Fraudulent Accounts from Credit Report** I am writing to demand the immediate removal of all fraudulent accounts appearing on my credit report. Under both state and federal laws, these erroneous listings are unlawful and constitute a violation of my rights. I have provided IRS Form 1099-C and 1099-A documents, which confirm the IRS has recognized and discharged these debts, eliminating any basis for the debts to be reported. Please note the following applicable legal standards : 1. **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681** This law requires that credit reporting agencies maintain only accurate and verifiable information. Reporting a discharged debt, especially after official IRS confirmation, is considered a breach of the FCRA, and any failure to remove this erroneous data will constitute a willful violation of this statute. 2. **Truth in Lending Act ( TILA ) 15 U.S.C. 1601** The TILA mandates that lenders provide clear evidence of debt obligation, which must include a signed promissory note or security instrument. There is no signed instrument demanding payment or security instrument by me, XXXX XXXX, to validate these debts.

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 2024-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
Net credit owned by Enova is not a regulatory lender or bank. They allegedly service the loan for XXXX XXXXXXXX XXXX XXXX and charge usurious interest rates They are reporting an account on my credit report with an interest rate that is illegal in XXXX  and subject to civil and criminal penalties. The law states : XXXX  law regulates interest rates on personal loans through the usury laws, which are codified in the XXXX  Compiled Laws Service ( XXXX  ) : Civil usury The legal interest rate is 5 % per year, but parties can agree to a rate of up to 7 % per year in writing. 
Criminal usury The rate is 25 % per year. 
Penalties Lenders who charge a rate considered civilly usurious can not collect any interest, fees, attorney 's fees, or costs. Those found guilty of criminal usury may be imprisoned for up to five years, fined up to {$10000.00}, or both. 
Borrower 's remedies Borrowers who are victims of usury can recover attorney 's fees and court costs from the lender. 

The current allowable interest rate in XXXX  is 36 %. Net credit has 64 % interest and is not covered by the laws that protect regulated, financial institutions. This account must be removed from my credit report immediately Net Credit and the parent company Enova have settled a {$15.00} XXXX lawsuit and is facing another lawsuit for predatory lending. I have filed a claim with the XXXX  Attorney General 's office as of today

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pendrick Capital Partners
State: AZ

Complaint narrative:
I recently reviewed my credit report and noticed a medical collection from XXXX XXXX XXXX, which has negatively impacted my credit score. However, I did not receive any formal notification via mail regarding this debt. On XX/XX/year>, I sent a Debt Validation letter ( see attached ) requesting more information about this debt. On XX/XX/year>, I received a response ( see attached ) with a printout from Pendrick Capital Partners , LLC regarding the alleged debt. However, the letter I received refers to a " debt verification '' rather than the validation I requested. 

In my original letter, I clearly stated : " ... a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for 'verification ' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. '' I have no affiliation with either XXXX XXXX XXXX or Pendrick Capital Partners , LLC. Please be aware that I requested " validation, '' not verification, of the debt reported to XXXX, XXXX, and XXXX by the original creditor and collection agency. The response I received is a clear violation of my rights under HIPAA. 

XXXX XXXX and Pendrick Capital Partners , LLC did not provide me with a HIPAA release form that would permit them to access or disclose my medical information. By sharing such information without my consent, they have violated my HIPAA rights. I am now prepared to take legal action against the original creditor and collection agency if this item is not deleted from my credit report within the legally required timeframe. I will pursue all available legal remedies, including filing a lawsuit against the credit bureau responsible for reporting this violation. 

Please take this matter seriously, as I have documented the situation thoroughly. I expect a prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-18 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: KY

Complaint narrative:
NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear EXPERIAN, This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove the following unauthorized hard inquiries from my credit report : 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 XXXXXX/XX/XXXX Sincerely, 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 explanation
Consumer complaint received 2024-12-18 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: DC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the 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 2024-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app states that if you have direct deposit $ XXXX each month you are eligible for payday up to 2 days early, Unlimited Free withdrawals at in-network ATM 's, Free overdraft coverage up to $ XXXX on Cash App Card purchases, and 4 % interest on savings*. All of my bi-weekly direct deposits from my employer to my Cash App account dating back to XXXX have exceeded {$300.00} and I am not receiving any of the aforementioned benefits they offer. I called cash app support about this matter on XXXX, and they confirmed I was meeting the direct deposit requirement but did not know why I was not receiving any of the benefits and just apologized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year>, a deposit for {$2800.00} was made to my account then at XXXX a.m., I transferred {$2800.00} to my XXXX XXXX account. At XXXX a.m., I transferred the remaining {$21.00} to my XXXX XXXX account bringing my account balance to {$0.00}. On XX/XX/year>, the above transactions where all rearranged, then a debt for {$130.00} posted to my account, an associated overdraft fee for {$36.00} posted to my account, a second debt for {$320.00} posted to my account, a second associated overdraft fee for {$36.00} posted to my account, and then a third debt for {$320.00} posted to my account with a third associated debt for {$36.00}. Then, the {$2800.00} debt and the {$21.00} debt were posted after the {$2800.00} deposit and XXXX debts bringing my account to a negative {$960.00}. Yet, on XX/XX/year>, a debt was returned because I also had a XXXX balance, and no overdraft fee was charged to my account. When I contacted Truist about why those three debts were not returned when my account balance was {$0.00} and why I was charged {$36.00} times 3 = {$100.00} worth of overdraft fees, the Truist representative stated she could only see if I qualify for a courtesy refund of {$72.00} but she could not return those items like the XX/XX/year>, item had been returned when my account balance was also {$0.00}.

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 explanation
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
I am filing this complaint against Equifax for failing to block fraudulent information from my credit report, despite submitting all required documentation as outlined under the Fair Credit Reporting Act ( FCRA ). As a victim of the Equifax data breach and the XXXX XXXX XXXX breach, my personal information was compromised, leading to fraudulent activity on my credit report. I identified the following fraudulent account and inquiries that should have been blocked immediately under FCRA XXXX : Fraudulent Account : Account Name : XXXX XXXX XXXX Account Number : XXXX Status : Charge-off Balance : {$32000.00} Date Opened : XX/XX/XXXX This account was not opened or authorized by me and was the result of identity theft. 

Fraudulent Inquiries : XXXX. XXXXXXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Steps Taken : XXXX. I filed an identity theft report with the Federal Trade Commission ( FTC ), which was sent to Equifax along with supporting documentation, including proof of my identity and highlighted sections of my credit report identifying the fraudulent items. 
XXXX. My dispute was submitted to Equifax and received by them on XXXX fulfilling all requirements under FCRA 605B.

3. Under the FCRA, Equifax is required to block fraudulent accounts and inquiries from my credit report within 4 business days of receiving my identity theft report and supporting documents.

Equifaxs Failure to Comply : Despite fulfilling all requirements, Equifax failed to : XXXX. Block the fraudulent XXXXXXXX XXXX XXXX account. 
XXXX. Remove the unauthorized inquiries from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This failure has caused ongoing harm to my credit report, including a negative impact on my credit score, difficulty obtaining credit, and emotional distress resulting from unresolved identity theft. 

Resolution Requested : I am requesting the CFPB to investigate Equifaxs noncompliance with the FCRA and require them to : XXXX. Block the XXXX XXXX XXXX account from my credit report immediately. 
XXXX. Remove the fraudulent inquiries listed above from my credit report. 
XXXX. Provide confirmation in writing that the fraudulent items have been permanently removed. 

If Equifax continues to fail in fulfilling its legal obligations, I may consider additional legal action to address the damages caused by their noncompliance. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief