vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX, its sales representative and Fortiva regarding a troubling incident that occurred in XX/XX/year>. The issues I am facing include deceptive sales practices, unauthorized credit actions, and violations of my consumer rights. 

**Incident Summary : ** 1. **Deceptive Sales Practices : ** A XXXX sales representative visited my home and persistently pitched their services. He made numerous promises that later proved to be false. He assured me that I would be paying only for equipment and alarm service through XXXX. However, he failed to disclose critical details about a loan, a hard credit check, and involvement with a third party, Fortiva. 

2. **Unauthorized Credit Actions : ** The sales representative instructed me to swipe through links on my phone and take pictures of my ID and a selfie. He claimed this was for identity verification. He then swiped through various pages explaining them which were false. Contrary to his statements, a hard credit check was performed without my consent, and a {$4000.00} line of credit was opened with Fortiva. This amount far exceeds the cost of equipment based on XXXX  own pricing and was not disclosed to me at any time during the sales process. 

3. **Violation of Consumer Rights : ** The representative misled me about the nature of the transaction and the credit implications. I was led to believe that only a soft credit check was involved and that no loans or lines of credit were necessary. As a result of the hard credit pull, my credit score dropped by nearly 30 points. 

**Attempts to Resolve : ** I have reached out to the sales representative multiple times via calls and texts, but he has not responded. I have also obtained screenshots of my texts questioning his false statements and the discrepancies in the sales process, as well him using a different name to sell XXXX then the name used with me which raises concerns about the legitimacy and transparency of his practices. 

**Requested Action : ** I respectfully request that the CFPB : 1. Investigate this matter and take appropriate action against XXXX and Fortiva for their sales representatives deceptive practices. 
2. Assist in removing the unauthorized line of credit with Fortiva and from my credit report.

3. Ensure that the hard credit check conducted without proper disclosure is removed from my credit report. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to address these issues and protect consumers from such unethical practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: FL

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: NY

Complaint narrative:
I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent account. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX 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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: FL

Complaint narrative:
I was dismayed to discover unauthorized inquiries on my credit report this morning, which came as a complete surprise. Despite routinely checking my credit report, this time I found unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the inquiries remained. Given this issue, I request a thorough review of the documents I've sent so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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:
According to 15USC 1681 I, e, b a consumer is entitled to fair reporting. The accounts in question are not reporting accurately. The FCRA rules ensure accuracy and these accounts violate the law. Fines per violation are more than {$1000.00} per violation and there are over 100. Legally these accounts must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I recently received a letter from XXXX and XXXX a professional law corporation in regards to me being sued by Portfolio Recovery Associates with a screen shot of the case filed. I was not notified nor served from this or any company. This company violated the XXXX  order that is in place for them. I wouldn't have known of this lawsuit and would of be wrongfully sued, since I received no communication from them.

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

Complaint narrative:
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 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 respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, Equifax or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my consumer reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 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 respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Experian, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my consumer reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per XXXX ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated.

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 2024-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX shows on my most recent credit report that the oldest date of delinquency is XXXX, which affects my rights as a consumer to have 7 year old debts deleted from my credit report/not reporting. There is still incorrect data being reported on my credit report that is especially hurtful while I am in the process of moving and my credit report is being checked. I know that the date of first delinquency was in XXXX not XXXX as well as it states in the credit report screenshots. XXXX and the credit bureaus keep trying to push the date of first delinquency. For example, the date shown on XXXX for earliest delinquency is in XXXX, a time where the card was already charged off since XXXX. This does not add up.

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 2024-08-08 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX shows on my most recent credit report that the oldest date of delinquency is XXXX, which affects my rights as a consumer to have 7 year old debts deleted from my credit report/not reporting. There is still incorrect data being reported on my credit report that is especially hurtful while I am in the process of moving and my credit report is being checked. I know that the date of first delinquency was in XXXX not XXXX as well as it states in the credit report screenshots. XXXX and the credit bureaus keep trying to push the date of first delinquency. For example, the date shown on Experian for earliest delinquency is in XXXX, a time where the card was already charged off since XXXX. This does not add up.

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 2024-08-08 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
15 USC 1692C ( c ) clearly states that a consumer must cease all communication with include reporting to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XXXX I purchased XXXX tickets from a valid seller. We decided to buy XXXX more tickets and invite our friends to go with us to the XXXX XXXX concert. The purchase was made for {$2600.00}. When I tried to find the XXXX tickets I could not. I called NFCUXXXX and asked them who the merchant was and they gave me the rolling stones magazine phone number which was incorrect and no help at all. After many days of going through my phones records I found a screenshot for XXXX and contacted them. I discovered that every XXXX in the XXXX has a list of fraudulent claims against XXXX used an Unvalidated Redirect Attack to change my browser to their page instead of the same seller I had purchased the earlier XXXX tickets from. I was unaware of this. Turns out Tickets-Center.com is a reseller ; whatever that is. I paid for XXXX tickets and they would not give me the seat numbers or the tickets. 

I filed a dispute with NFCUXXXX XXXX XXXX and sent them all my research and history. The merchant sent an explanation that I had received the XXXX tickets and NFCU believed them. NFCU has done XXXX due diligence on this matter saying there is no billing error. 

There are many disclosures that XXXX  should have disclosed at time of purchase but they did not. The most important one was that when the day comes that I might get my tickets Id have to pay more money to join XXXX to get them. I did not ever agree to do this. 

I cancelled all my friends coming to Arizona in late XX/XX/year> since it was clear that I was not going to ever get any tickets. 

I can give you a detailed summary of events with dates and activities but it's too lengthy for an introduction to this dispute and I have to put those details in a document. But I'm happy to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
Subject : Violation of FDCPA by Bounce AI I am writing to file a formal complaint against [ Debt Collection Agencys Name ], which I believe has violated the Fair Debt Collection Practices Act ( FDCPA ) in the following manner : Avoidance of Cease and Desist Notice : On XX/XX/XXXX, I sent a cease and desist letter to Bounce AI, requesting them to stop all communication with me regarding the debt in question. Despite this, the agency has continued to contact me via email, which I believe is a direct violation of the FDCPAs requirement to honor a cease-and-desist request. 

Failure to Fully Validate the Debt : According to the FDCPA, a debt collector must provide full validation of the debt upon request. Since XX/XX/year>, I requested full validation of the debt, including the purchasing agreement or contract, from Bounce AI. They responded with incomplete documentation, failing to provide the purchasing agreement or any evidence that they legally own the debt in which the entity claimed was private and/or confidential. This lack of proper validation also constitutes a violation of the FDCPA. 

I have also disputed the lack of debt validation to the credit bureaus in the past and recently but yet Bounce AI is still ignoring my cease and desist in XX/XX/year> and still emailed me directly instead of just responding to the credit bureaus. 

Please see my attachments of the following documents which will support my complaint : Copy of Cease-and-Desist email Correspondences with Debt Collection Agency

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

Complaint narrative:
The XXXX XXXX XXXX  account reporting to the bureaus is a result of identity theft and should be blocked from my credit report. I asked for the bureaus to send documentation of how they verified the account and information with the creditor but I have not received a document

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: CA

Complaint narrative:
The XXXX XXXX XXXX account reporting to the bureaus is a result of identity theft and should be blocked from my credit report. I asked for the bureaus to send documentation of how they verified the account and information with the creditor but I have not received a document

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation