vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 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: PA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : An account opened at XXXX XXXX on XX/XX/XXXX, A credit card account opened with XXXX XXXX opened in XXXX of XXXX, An account opened with XXXX XXXX XXXX XXXX in XXXX of XXXX And an account under XXXX XXXX XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, 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 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
In felonious organized criminal activity perpetrated by multiple Best Egg employees, I was gaslit as employees humiliated and berated me by fabricating false allegations against me on account of the color of my skin and for complaining to federal regulators about them- which put me in imminent fear of my life. I was told that I was lying ( as if I was subhuman nonwhite evil scum ). The agents fabricated a disgusting and bald faced lie that I said the employees were white and they felt discriminated against. This sounded clearly like organized felonious criminal retaliation and fraud. Best Egg is not a financial services company- it is an organized criminal racket that needs to be shut down immediately. I was then told by another agent that I was lying that the agent did not ask for a supervisor to call me back - I have no way to know what the agent who fabricated and falsified disinformation about me that I made a comment that the agents were white did or did not do. I finally heard I would be able to use my credit card on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
Certified mail was sent to Foursight Capital and it was received by them on XX/XX/year> with a FOIA request to obtain information regarding obtaining a copy of the original promissory note, the original ledger showing that Foursight Capital lent 0.01 cent of their own money to fund the loan for the vehicle, and any and all documentation showing the collateralization of the note. 

I contacted Foursight Capital via phone several weeks after the letter had been sent, and I spoke with a customer service representative who transferred me to XXXX XXXX in the Loss Mitigation department. He advised me on the phone that they showed no record of anything being received and told me that according to his supervisor, I had to be transferred back to customer service to obtain the information I was requesting. The call was transferred and never picked up again. 

To this date, Foursight Capital has failed to respond to the FOIA request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: Momnt Technologies, Inc.
State: AL

Complaint narrative:
After searching for a contractor to remodel two bathrooms on the website XXXX, I was contacted by XXXX XXXX with XXXX XXXX XXXX to setup an appointment. He came to my home on XX/XX/year> and I signed an agreement for the bathroom remodels for {$2300.00} through a loan with the online company Momnt Technologies , Inc., with a {$10000.00} transfer upon signing. The agreement states that I had three business days to cancel the agreement. I sent a notice of cancellation on XXXX XXXX to XXXX with XXXX XXXX XXXX and got confirmation it was received XX/XX/year>, ahead of the three business day deadline. No work was ever performed in my home. After multiple calls and messages trying to reach anyone with XXXX XXXX, I reached to Momnt regarding the loan and provided all of the information I had. I have not received any assistance from Momnt as well. I have paid a total of {$290.00} on the loan. The Alabama Secretary State website shows that XXXX XXXX dissolved on XX/XX/year>. I've also received a notice of XXXX XXXX bankruptcy for XXXX XXXX, who is the only individual listed on the Alabama Secretary of State 's website under XXXX XXXX XXXX. I've never had any contact with XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: KY

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report under FCRA 1681 ( c ) ( 2 ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is filed under the protections afforded by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( c ) ( 2 ), which outlines my rights as a consumer to dispute inaccurate or incomplete information directly with the furnisher of the information and ensures that such disputes are properly investigated.

Additionally, I am invoking my rights under the following laws that further protect consumers from inaccurate credit reporting : 1. FCRA 1681 ( i ) : This section requires credit reporting agencies to conduct a reasonable investigation of any disputed information within 30 days of receiving a consumer 's dispute.

2. FCRA 1681 ( e ) : This section mandates that information reported about a consumer must be accurate and complete.

3. FCRA 1681 ( s ) : This section provides additional protections against identity theft, ensuring fraudulent accounts are removed promptly after proper verification.

4. The Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from reporting false or misleading information to credit reporting agencies.

Disputed Item Details : * Creditor/Furnisher Name : XXXX XXXX  * Account Number : XXXX * Date of Reported Issue : XX/XX/year> The following information is incorrect or incomplete : 1- date reported doesnt match 2- Closed date is incorrect 3- date opened doesnt match I have attached the following documents as evidence to support my dispute : 1. A copy of my credit report highlighting the disputed item ( s ) Pursuant to the FCRA and the above-mentioned laws, I respectfully request the following actions : 1. Investigate the disputed information with the furnisher of the data.

2. Correct or delete the inaccurate information if the investigation confirms its inaccuracy.

3. Provide me with the results of the investigation and a corrected copy of my credit report.

4. If applicable, provide me with the name, address, and telephone number of the furnisher contacted during the investigation.

Please be advised that the FCRA mandates credit reporting agencies to complete investigations within 30 days of receiving a dispute. I expect a timely resolution to this matter.

Thank you for your immediate attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
In felony retaliation for me a CFPB complaint to regulators and in order to teach me a lesson, a Best Egg employee criminally falsified bank records and invented a false charge against me that I said the agent was XXXX  when I alleged racism ( I made no comment about the race of the agent ). What has now put me in imminent fear of my life is there now appears to be felonious criminal conspiracy to falsify bank records in order to retaliate against me for complaining to federal regulators. This is unlawful witness tampering. The agent then said that a supervisor couldnt speak to me because the supervisor was speaking to more important customers ( of a superior race ). the agent yelled at me for 20 minutes like I was a dirty animal because I was complaining about her friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian fail to supply my with my credit score/credit report as it is my right as a consumer under federal law to have access to my credit report/score at all times.

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 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account Dispute/ Request for Fraudulent Transaction/Account Information Made pursuant to Section 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ( g ) ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Acct # XXXX XXXX XXXX XXXX  Derogatory account XXXX, NV XXXX ( XXXX ) XXXX Dear Sir or Madam : As I already reported via telephone, I am a victim of identity theft. I have recently learned that my personal information was used to open an account at your company. I did not open this account, and I am requesting that the account be closed and that I be absolved of all charges on the account. 
Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of application and business records in your control relating to the fraudulent account and/or transactions. A copy of the relevant federal law is enclosed. 
Pursuant to the law, I am providing you with the following documentation, so that you can verify my identity : ( A ) A copy of my drivers license or other government-issued identification card ; ( B ) A copy of the identity theft report Please provide all information relating to the fraudulent transaction, including :

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 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

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 2025-01-01 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: MA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: KY

Complaint narrative:
I have XXXX companies communicating with me about the same debts. I have XXXX XXXXl and Halsted Financial collecting the same debt purchased by XXXX XXXX XXXX. This violates section 15 U.S.C. 1692e about debtor representation. Also, neither company has provided in writing the validation of debt. They have sent emails and texts stating that they each are collecting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a debt for Target of {$2400.00}. I reached out to Target several occasions to verify transactions. Target never responded. I worked out plan with Target to pay off debt, and Target never reached out to me with no calls no emails, nothing stating that they were w3illing to work out anything. Received summons Index No XXXX from XXXX XXXX XXXX, XXXX Attorneys for Plaintiff. XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I never received any notification from any parties that a suit will be filed against me. No calls, no emails, nothing in writing. I want to file a complaint against the law3 firm for using these scare tactics. Also I was never handed a paper. The summons was placed on the door of my neighbors home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC

Complaint narrative:
I received XXXX credit card denials for cards i didn't applied for, XXXX card that was granted that I never applied, and XXXX that asked for more info. 
I placed a fraud alert at XXXX and XXXX Denials : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Citizen 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XX/XX/XXXX i received a text message with a payment plan i have asked them to notify me by written mail and they fail to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Under USC 1681 sec 7 affords me the right to know how this account XXXX XXXX was investigated and verified. How ever, it has been 5 weeks and such prove has not been made available to me by XXXX, Transunion and XXXX. With so much inaccuracies being reported on this account, this is costing me money in interest rate and the 3 credit bureau now owe me {$1000.00} each.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under USC 1681 sec 7 affords me the right to know how this account XXXX XXXX was investigated and verified. How ever, it has been 5 weeks and such prove has not been made available to me by XXXX, XXXX and Equifax. With so much inaccuracies being reported on this account, this is costing me money in interest rate and the 3 credit bureau now owe me {$1000.00} each.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: Velocity Portfolio Group
State: TX

Complaint narrative:
It has recently come to my attention that an account the CKS PRIME INVESTMENTS has been collected illegally due to not having a licance to collect in the state of XXXX. This account has been disputed multiple times and nothing has been done to delete this account from my current credit report. My current credit report is being negatively impacted by this and i urge you to reinvestigate this account and delete to become current.

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 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I woke up and used my card like usual. My account had money on it at least XXXX or so dollars. I went ahead and got myself some late XXXX gifts which brought it to around {$340.00}. I've been using it I went and purchased food with it that day and I've logged into it to check my balance, and everything in there was absolutely nothing wrong with my account. I haven't done anything on the account to go against any of the banks, policies, or anything like that I use the account as a normal account for every day purchases, as well as paying bills and eating and everything. I literally just use the account like a regular bank account. So that same day I was going to purchase something but I usually lock my card so I was going to go on the account and unlock the card so that I can use it, but then I see a message saying that my account is locked for security reasons. I have no idea why it would be locked because there hasn't been any fraudulent transactions or anything to my knowledge. So I called them the same day and they told me that basically my account was closed and that I would have to wait on a letter and wait 30 to 60 days to receive the remaining balance that was in my account. I didn't want to go back-and-forth because I asked multiple times why my account was closed and they kept giving me the XXXX  ANSWER, SAYING THAT IT WAS FOR SECURITY REASONS TO PROTECT ME. WHEN HOW ARE THEY'RE PROTECTING ME WHEN THEY'RE LITERALLY HOLDING MY MONEY FOR 30 TO 60 DAYS. Now it is XX/XX/XXXX and I received an email today saying that my account is- {$420.00} which is insane. How is my account negative when I literally haven't even been able to use it and it was supposed to be closed, so how are there still transactions being done on the account? I'm not able to get in my account to see where this is coming from. I have no idea what's going on and I just want my money back that was in the account when it was closed! I have bills! Cant wait 30-60 days!

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