vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I first heard that something went into collections, the first thing I did was dispute it with Experian, 1st one was denied, and I tried 2 more times to only get same response, after I spent explaining my situation, sent documents, only to have them gave me the same outcome, its like their not acknowledging the documentation, or anything. I spoke to XXXX so many times, to where they do t want to resolve the issue, like i said before the policy was started in early XXXX. There were XXXX claims filed, due to mechanical issues that I thought were covered. I later learned that mechanical breakdowns were not a covered benefit. The claim was closed and placed on my driving history with XXXX. A second claim was filed by me with XXXX, where there was front end damage and also damage underneath the XXXX XXXX XXXX. The extensive damage was documented and an assessment at a local dealership was performed. The XXXX stated that there were aftermarket parts on the vehicle, which XXXX would not cover. There were never any aftermarket parts added to the vehicle that I had knowledge of. The claim was denied and the vehicle remained unrepaired. I filed a XXXX claim with XXXX and never received a response. I then filed a BBB complaint on XXXX and never got a resolution from XXXX claims. My vehicle is still in the shop for over XXXX months hence why I didnt pay, cause my car wasnt drivable, their was going to cancel my policy for XXXX without any reasoning, so if I would pay them, I would been a waste of money, because if I would of continued with them, they would cancel my policy and leave me struggling, they damaged my driving record, to where I have to pay XXXX $ for insurance, because of the misinterpreting the claim they did, I wasnt in accident. XXXX damaged my driver record. My Car WASNT DRIVABLE, hence why I cancel the insurance, and was going to cancelled my policy in XXXX for no reasoning, so if I would pay the money, if would of been no point, and that I was up to date with my XXXX payments.

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 2024-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear Portfolio Recovery / PRA / XXXX XXXX Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
They didn't threaten me, they collected a non-existent debt. On XX/XX/XXXX, I received a letter from Credence about the debt of {$110.00} to XXXX XXXX XXXX.On XX/XX/XXXX, I sent an email to Credence and attached a document on the return of the disputed equipment. I returned to XXXX XXXX XXXX the equipment on XX/XX/XXXX, without delays or violations. I attached documents confirming that since XX/XX/XXXX I use XXXX  services for home Internet and use their equipment. I proved that I am not guilty. More than XXXX months of meaningless correspondence with Credence. As a result, I was forced to pay {$110.00} to save my credit rating and continue disputes and complaints. I accuse Credence of bad faith, inaction, negligence in my case. I accuse Credence of inability and unwillingness to prove an elementary dispute to the real culprit. As a result of this case, my perfect credit rating is ruined. I am in the process of buying a home. I missed out on the benefit of the loan. I suffered personal moral suffering, XXXX, worry, irritability and XXXX, moral shock. I started having frequent headaches and XXXX. I ask you to punish the guilty, fix my credit rating, apologize, compensate for the moral damage caused to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2024-08-10 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: MA

Complaint narrative:
Dear I am writing to dispute inaccurate information regarding a charge-off account listed on my credit report. I have found multiple inconsistencies in the information reported by the XXXX credit bureaus, and I request an investigation and correction of these discrepancies. 
*Disputed Account Information : * - Creditor : XXXX - Account Number : [ XXXX ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that you investigate these discrepancies and correct any inaccuracies. Please contact the original creditor to verify the correct information. Right to Accurate Information ( FCRA Section 609 ) : Under Section 609 ( 15 U.S.C. 1681g ), I have the right to obtain and dispute the completeness and accuracy of the information in my credit report. I request that you investigate and verify the accuracy of the reported charge-off. If the information can not be verified, it must be removed. Reinvestigation of Disputed Information ( FCRA Section 1681i ) : Under Section 611 ( 15 U.S.C. 1681i ), I have the right to request a reinvestigation of any information I believe to be incorrect or inaccurate on my credit report. I demand that you review and correct this information immediately.Removal of Inaccurate/Invalidated Credit Information ( 15 U.S. Code 1681i ( 5 ) ) : As per Section 611 ( 5 ) of the FCRA, if, after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete such information from the consumers file.

Responsibilities of Information Providers ( FCRA Section 1681s-2 ) : Under Section 623 ( 15 U.S.C. 1681s-2 ), information providers must ensure the accuracy and completeness of the information reported. The inclusion of this incorrect charge-off information represents a clear violation of this section.

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 2024-08-10 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX account number XXXX Account XXXX bank net credit account number XXXX I look in Experian for credit report on XX/XX/year> and notice something 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 assume maximal possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( exb ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatments of inaccurate or unverifiable information. ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed

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 2024-08-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: MD

Complaint narrative:
The individual reported inaccurate information to the consumer credit report. Under section 623 ( b ) a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. There are several inaccuracies listed on the report such as dates and other reporting factors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Dear MIDLAND CRED, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act.

It has unequivocally come to my attention that MIDLAND CRED has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for MIDLAND CRED to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that MIDLAND CRED immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that MIDLAND CRED will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Dear Midland Credit / MCM / Midland Funding LLC Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The person who stole my identity was also able to obtain a copy of my credit report. With this information, they are able to call Experian and unlock, unfreeze, and remove my fraud alerts from my credit reports. This has resulted in several applications being made against my credit. They were also able to call in and change my account email, password, and phone number, and remove my XXXX security. This is all despite the fact that I have a secret question and pin number associated with the account. 

I spoke with several customer service specialists and their managers and they all told me that if someone can answer the questions derived from the credit report they can bypass the security question and the pin number. 

This is effectively telling me that there is no possible way for me to secure my credit report through Experian. XXXX and XXXX were able to add secondary measures to prevent this sort of thing from happening, but Experian did not. 

I asked for this to be escalated but have not received any response. I would like to get this resolved as the person is actively and daily attempting to gain control over my Experian account and unlock my credit report. 

I pay for the premium membership at Experian as well. The additional security features added by having a premiere account still do not help the scenario where someone can call in and answer 4 questions from the credit report. 

This was not done by accessing my account online as I have changed my username and password several times, I also have always had XXXX enabled on the account. 

Experian does not adequately protect accounts in situations where an identity thief has not only a person 's SSN but also their credit report. 

I've filed a police report and supplied it to Experian with no response.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: IL

Complaint narrative:
Tailor brands has misleading business practices and makes the consumer unaware of what and how much they are paying. My debit card was charged more than I was able to purchase do to the purchase price not being clear. This is clear fraud. I canceled within minutes on their website to to deactivate the account and cancel the purchase. I called but no one was available I sent an email and was told I can not be refunded. I contacted my bank and they were not able to help because they still it was pending. Now I have over XXXX dollar charge on my checking. I would like a full refund.

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 2024-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
On XXXX my Venmo account was frozen with no warning. My requests and transfers were cancelled and I am not able o access funds in the account. I was told I would have to wait 10 business days for someone to email me about the situation. I need access to the account sooner than that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: CL Holdings LLC
State: NM

Complaint narrative:
On XX/XX/year>, I XXXX XXXX disputed through XXXX a debt from a debt collection agency by the name of JEFFERSON CAPITAL SYSTEMS which I have no contract with. The XXXX investigation concluded through their investigation that the reported credit results were factual on XX/XX/year>. Absolutely no contract, original documents, nor any document or proof that the account is or was ever mine nor how XXXX determined how they reached the conclusion of this investigation. It appears as if someone made a simple phone call or document and took a random persons word without legitimate factual legal proof

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
If a consumer notifies a debt collector in writ ing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the con sumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt col lectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt col lector or creditor may invoke specified rem edies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

Company response to consumer: Closed with explanation